cover image: Designing US health insurance from scratch: A proposal for universal basic coverage

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Designing US health insurance from scratch: A proposal for universal basic coverage

26 Oct 2023

U.S. health insurance policy has proceeded incrementally, and haphazardly, for over half a century. While these reforms have made gains, tens of millions are still without coverage. Even for those who do have health insurance at the moment, many live with the constant danger of losing that coverage if they lose their job, give birth, get older, get healthier, get richer, or move. And even if they manage to maintain their insurance, most insured Americans can still face enormous medical bills for care that is notionally covered.
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Authors

Liran Einav, Amy Finkelstein

Acknowledgements and disclosures
This proposal is a distillation of the ideas in our book, We've Got You Covered: Rebooting American Health Care and we are grateful to the many people who provided valuable input on that book, particularly our editor Merry Sun and our agent Margo Fleming. We also thank Wendy Edelberg and the participants in the author's conference for helpful feedback. The Brookings Institution is financed through the support of a diverse array of foundations, corporations, governments, individuals, as well as an endowment. A list of donors can be found in our annual reports published online here. The findings, interpretations, and conclusions in this report are solely those of its author(s) and are not influenced by any donation.
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United States of America

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