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Uncovered

The Story of Insurance in America

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Oxford University Press


Paru le : 2024-07-19



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Description
Historically, the insurance industry in America has been fragmented. As a result, there have been debates and conflicts over the proper roles of federal and state governments, business, and the responsibilities of individuals. Who should cover the risks of loss? And to what extent should risk be shared and by whom? In Uncovered, Katherine Hempstead answers these questions by exploring the history of the insurance business and its regulation in the United States from the 1870s through the twentieth century. Specifically, she focuses on the friction between the public demand for insurance and the private imperatives of insurers. Tracing the history of the industry from the early days of life, fire, and casualty insurance to the development of state regulation in the late nineteenth century, Hempstead examines the role that insurers initially played in the largely voluntary social safety net and how this changed over time. After the Great Depression, the federal government assumed a greater role in the provision of insurance, while insurers enthusiastically pursued the growing business of employee benefits. As the twentieth century progressed, insurers and government have become interdependent, with insurers participating in publicly funded markets. As Hempstead shows, periodic crises in life, fire, health, auto, and liability insurance highlighted gaps between the coverage that insurers were willing to provide and what the public demanded. Highlighting how the major part states play in insurance regulation has made it harder to solve important problems, Uncovered fundamentally changes our understanding of the crucial role that insurance has always played in American politics.
Pages
392 pages
Collection
n.c
Parution
2024-07-19
Marque
Oxford University Press
EAN papier
9780190094157
EAN PDF
9780190094164
Informations sur l'ebook
Nombre pages copiables
0
Nombre pages imprimables
0
Taille du fichier
30710 Ko
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Prix
59,89 €
EAN EPUB
9780190094171
Informations sur l'ebook
Nombre pages copiables
0
Nombre pages imprimables
0
Taille du fichier
12012 Ko
Ce livre est accessible aux handicaps Voir les informations sur l'accessibilité
Prix
59,89 €
Katherine Hempstead is a Senior Policy Adviser at the Robert Wood Johnson Foundation, where she focuses on federal and state policy as it pertains to health insurance coverage, health care costs, and access to care. She publishes on health policy topics and also in areas of demography, particularly mortality. Before coming to the foundation, she worked in state government and held posts in academia.

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