Contents

• Foreword
• Overview
• The Evolution of Private Health Insurance: Past Issues, Future Challenges
  • WHAT INSURANCE COVERS AND DOES NOT COVER
  • INSURANCE MARKETS
  • IMPROVING COVERAGE
• Nonfinancial Barriers: Implications for Health Insurance
• Response from a Managed Care Perspective
  • THE BREADTH OF BENEFITS
  • DEPTH OF COVERAGE
  • OTHER BENEFIT ISSUES
  • DISCUSSION
• Lessons from HealthPASS and Oxford Health Plans
• Lessons from Medica in Minnesota
• A Perspective from Academic Medicine
  • DISCUSSION
• Report from New York State
• The Limitations of State Capacity to Effect Reform: A Colorado Perspective
  • DISCUSSION
• Contributors

The Institute of Medicine was chartered in 1970 by the National Academy of Sciences to enlist distinguished members of the appropriate professions in the examination of policy matters pertaining to the health of the public. In this, the Institute acts under both the Academy's 1863 congressional charter responsibility to be an advisor to the federal government and its own initiative in identifying issues of medical care, research and education. Dr. Kenneth I. Shine is president of the Institute of Medicine.