Glossary of Insurance Terms

Adverse Selection: The tendency for people with greater needs to be more likely to sign up for insurance, or to enroll in one plan over another, resulting in a health insurance pool containing a disproportionate share of people with medical conditions. Such a situation leads to higher premiums, which will drive healthier people out of the pool. (more…)

Impact of the Waxman-Markey Climate Change Legislation on Mississippi

by David Kreutzer, Ph.D., Karen Campbell, Ph.D., William W. Beach, Ben Lieberman and Nicolas Loris (more…)

We should be careful in criticizing government proposals to ration health care. In every other area of government, we want rationing. We want our leaders to decide on priorities and find the least expensive, most efficient way to fulfill and pay for them. We argue that government should eliminate high-cost, low-result expenses. (more…)

Those of us who oppose the government's take-over of the health care system are often labeled as cold-hearted, lacking sympathy for those who have health problems that are hereditary or otherwise not the patient's fault. (more…)

With all the talk about the so-called "right to health care," it's important to consider what "rights" really are. In general, there are two types of rights. One type is intrinsic to us as humans. Some call these "fundamental rights" and others call them "human rights." Our nation's founders labeled them "inalienable rights." These are rights that demand nothing from other people - nothing, that is, except respect. The right to speak freely, to worship as we please, and to defend our property are among these. The role of government is to secure these rights from infringement. (more…)

One reason America is suffering is that those who believe in conservative principles stopped fighting after Ronald Reagan left the presidency. Too many wrongly counted on the Republican Party to fight the conservative fight on auto-pilot. (more…)

A recent column in The American Spectatormagazine provides an important perspective for conservatives: we need to re-focus on principles, not parties. If we do that the right way, the politicians will respond, but if we don't engage - if we pull out of the debate because the political parties have let us down - we may never regain our country. (more…)

The health care plan moving through Congress is a direct violation of the fundamental principle of governing: that government is to protect rights, not create them. (more…)

Climate and Cost: Clearing the Airwaves

By Dean Nelson

[Click here to see the Cornwall Alliance's talking points on Cap & Trade.] (more…)