Health Financing Without Deficits: Reform That Sidesteps Political Gridlock


America’s health system has been a polarizing issue in most presidential campaigns throughout our lifetimes. It is hardly surprising that an industry that consumes nearly one in every five dollars spent in the U.S. economy will be prominent again in 2016 and beyond. This book will guide you through the fusillade of campaign promises and countercharges you will hear about health care and “reform”. They will be more strident now that the fiscal calamity of Boomer retirements has arrived.
This book also offers a powerful tool of reform. The Health Insurance Revenue Bond ? (HIRB) is a new and completely self-liquidating financing approach that fully funds escalating liabilities such as health care—without deficits. If you can’t bend the curve on health costs, bend the curve on the cost of funding?. HIRB can assist governments in developed nations to begin the long and painful process of deleveraging.


About the Author(s)

Philip J. Romero

Dr. Philip J. Romero is an economist, policy analyst, and applied mathematician. Romero has been a professor of business administration at the University of Oregon’s Lundquist College of Business sinc…

Randy S. Miller

Randy S. Miller, the author of Part V of this book, is the designer/inventor of the Health Insurance Revenue Bond® (HIRB®). His professional background is in underwriting bond issues for state and lo…

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July 30, 2016





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