Employment-based health insurance is the Rodney Dangerfield of U.S. health policy: it gets no respect from anyone. Employment-based coverage (quot;EBCquot;) may not get much respect, but it covers roughly 177 million people - and it appears to have considerable staying power - even if the...

We study defense costs for commercially insured personal injury tort claims in Texas over 1988-2004, and insurer reserves for those costs. We rely on detailed case-level data on defense legal fees and expenses, and Texas state bar data on lawyers' hourly rates. We study medical malpractice ("med...

Health insurance is once again on the policy agenda, and it is déjà vu all over again. There are the same statistics and anecdotes about the uninsured. There are the same reports by government agencies, think tanks, and do-gooder organizations. There are the same policy entrepreneurs, pushing...

In health care, as in everything else, money matters. Of course, money is not the only thing that matters - but it matters a lot - perhaps more than all the other factors combined. What we pay for and how we pay for it profoundly affects the quality and availability of the care that is provided...