In several ways, traditional health care financing has long been unfair to middle and lower-income insureds. A major problem is monopoly pricing of many services and goods. Although the point is seldom recognized, American-style health insurance greatly aggravates the redistributive effects of...

The Affordable Care Act appears likely to worsen rather than cure the significant (but generally unrecognized) unfairnesses to middle- and lower-income working people that have long characterized private health care financing in the U.S. For example, the law’s mandate that individuals purchase...

This article explores the hypothesis that the U.S. health care system operates more like a robber baron than like Robin Hood, burdening ordinary payers of health insurance premiums disproportionately for the benefit of industry interests and higher-income consumer-taxpayers. Thus, lower- and...