There is no question that we need changes in our health sector. But numerous independent studies have shown that the Affordable Care Act will fail to achieve its goals and will cause harm by trying to inflict too much change too suddenly. Medicaid and job-based health insurance are just two...

This paper studies the factors that can generate the puzzling saving phenomenon in the US: 1) Starr-McCluer (1996) finds that households covered by private health insurance save more than comparable households without coverage, even when controlling for other variables. 2) The asset holding...