Achieving Universal Health Insurance Coverage in the United States: Addressing Market Failures or Providing a Social Floor?
指出美国通过解决市场失灵来逐步扩大保险覆盖的做法效率低下，主张由政府为所有人提供基本医疗服务包，同时允许个人购买额外保险，以实现全民覆盖并维持创新激励。
The United States spends substantially more on health care than most developed countries, yet leaves a greater share of the population uninsured. We argue that incremental insurance expansions focused on addressing market failures will propagate inefficiencies and will fail to facilitate the active policy decisions needed to achieve socially optimal coverage. By instead defining a basic bundle of services that is publicly financed for all, while allowing individuals to purchase additional coverage, policymakers could both expand coverage and maintain incentives for innovation, ensuring universal access to innovative care in an affordable system.