From 1998 to 2002, researchers at the Harvard University School of Public Health conducted research on the individual health insurance markets in the United States (the markets for people buying their own insurance) and why people are uninsured, and considered how to redress the problem through public policy.
The project was led by principal investigator, Katherine Swartz, PhD.
Swartz concluded that:
"Public policies to help the uninsured need to be created with two lenses on why people lack coverage":
The two-thirds of the uninsured who are poor or near-poor need government subsidies or publicly funded programs to access health insurance.
Middle-class people would be the main beneficiaries of programs to reduce insurers' fears of adverse risk selection if they resulted in less expensive health insurance premiums.
Insurers use a variety of methods to protect themselves from the risk of adverse selection, particularly by denying coverage to some people based on their age and prior medical history and they offer coverage that restricts what services are covered.