Healthcare solutions: A Time for Tontines?

TOM BAKER and PETER SIEGELMAN
nytimes.com

MANY young Americans don’t have health insurance, and not necessarily because they can’t afford it. Some just don’t want to invest good money in health care that they may never need. This creates tremendous burdens for the individuals who do end up having medical problems, as well as for the taxpayers who cover their visits to the emergency room. Around a third of all uninsured adults below retirement age in the United States are 19 to 29 years old. How can we get insurance to reach these young “invincibles”?

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