In the early 1990s, several U.S. states enacted community rating regulations to equalize the health insurance premiums … substantial public insurance expansions, coverage rates in several of these states had improved significantly. As theory predicts … the incidence of public insurance and community rating regulations are tightly intertwined …

, a substantial share of annual redistribution might turn out to serve individual insurance in a longer perspective …

, a substantial share of annual redistribution might turn out to serve individual insurance in a longer perspective. In …

risk exposure and (c) a progressive scheme where mutual risk insurance spreads risk across all subjects such that low …

the principal public transfers (education, health, social security, direct cash transfers) in 1992-2014, and for the full …

, a substantial share of annual redistribution might turn out to serve individual insurance in a longer perspective. In …

, a substantial share of annual redistribution might turn out to serve individual insurance in a longer perspective …

account (covering education and training), and a health account (covering insurance against sickness and disability). Unlike …, cushioning people against economic risk, ensuring efficient provision of health and education services, providing social safety …