Problems and prospects in multiple-option health plan settings / Harold S. Luft -- Managed competition : why don't we have it and how can we get it / Richard Kronick -- Biased selection : fairness and efficiency in health insurance markets / Roger Feldman and Bryan E. Dowd -- Why preserve private health care financing? / Clark C. Havighurst -- Commentary on part one / Stanley B. Jones, G. Robert O'Brien, and Carl J. Schramm -- Mandated benefits and compensating differentials : taxing the uninsured / Michael A. Morrisey -- The dilemma of affordability : health insurance for small businesses / Catherine G. McLaughlin -- Regulating the content of health plans / Gail A. Jensen -- Commentary on part two / William J. Dennis, Donald W. Moran, and Stephen Zuckerman -- Innovations and impediments in private sector initiatives / Jack A. Meyer -- Medicare as the basis for all-payer provider payment reform / Karen Davis -- The five W's of utilization review / David Dranove -- The hidden costs of budget-constrained health insurance systems / Patricia M. Danzon -- Commentary on part three / Robert M. Crane, Michael D. Bromberg, and H.E. Frech III -- Why is health care so hard to reform? / Mark V. Pauly --The search for adaptable health policy through finance-based reform / C. Eugene Steuerle -- Elimination of employer-based health insurance / Warren Greenberg -- Commentary on part four / Henry J. Aaron, Stuart M. Butler, and Deborah Steelman -- Commentary / Dave Durenberger [and others]