Health Affairs, 24, no. 6 (2005): 1415-1425 doi: 10.1377/hlthaff.24.6.1415 © 2005 by Project HOPE	New Online   May/June Issue: Health Reform Revisited   Reform and '08 Election   Promoting off-label drug use information

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Rethinking Reform

Whence And Whither Health Insurance? A Revisionist History

Throughout the postwar era in federal health policy, policymakers have sought to expand both public and private insurance coverage, while wrestling with the cost consequences of the demand generated by the insurance-financing mechanisms thus created. This essay advances the view that the limits to insurance expansion have been reached and that public and private plan sponsors will henceforth continually "thin out" the coverage they offer. In this environment, policymakers seeking to mitigate access concerns may need to consider strategies that promote direct service delivery. This emerging regime, it is argued, will have important implications for the future of innovation in health care.

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