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Abstract
Why does health insurance cost so much? According to the vice president at the insurance company that pioneered high- deductible health insurance to go with medical savings accounts, a big factor is that insurance companies are being asked to solve social problems. Mr Hartnedy offers a solution to America's healthcare-delivery plight that includes empowerment of individuals and preservation of choice.
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Notes on contributors
John Augustine Hartnedy
John Augustine Hartnedy, FSA, MAAA, EA Mr Hartnedy is vice president and chief actuary, Golden Rule Insurance Company, Indianapolis, and a member of POSTGRADUATE MEDICINE'S Healthcare '94 American Healthcare Council.