A sharp exposé of the roots of the cost-exposure consensus in American health care that shows how the next wave of reform can secure real access and efficiency. The toxic battle over how to reshape American health care has overshadowed the underlying bipartisan agreement that health insurance coverage should be incomplete. Both Democrats and Republicans expect patients to bear a substantial portion of health care costs through deductibles, copayments, and coinsurance. In theory this strategy empowers patients to make cost-benefit tradeoffs, encourages thrift and efficiency in a system rife with waste, and defends against the moral hazard that can arise from insurance. But in fact, as Christopher T. Robertson reveals, this cost-exposure consensus keeps people from valuable care, causes widespread anxiety, and drives many patients and their families into bankruptcy and foreclosure. Marshalling a decade of research, Exposed offers an alternative framework that takes us back to the core purpose of insurance: pooling resources to provide individuals access to care that would otherwise be unaffordable. Robertson shows how the cost-exposure consensus has changed the meaning and experience of health care and exchanged one form of moral hazard for another. He also provides avenues of reform. If cost exposure remains a primary strategy, physicians, hospitals, and other providers must be held legally responsible for communicating those costs to patients, and insurance companies should scale cost exposure to individuals’ ability to pay. New and more promising models are on the horizon, if only we would let go our misguided embrace of incomplete insurance.

The explosive, tell-all, New York Times bestselling autobiography from one of America's most controversial broadcast journalists. Geraldo discusses his four marriages, his many affairs, his emotional journey through law school, his bicultural upbringing, and much more in this candid expose. Photographs.

The death of Samantha Grey’s mother and imprisonment of her father made her shut everyone out of her life. Including him. Ten years later, the murder of her father brings them back together and now Detective Nate Evans has two mysteries on his hands: a murder to solve and a past of questions that still gnaw at the surface to face. A past he’s tried hard to bury. One that includes her. As Nate and Samantha are forced to work together to bring justice for the dead, it is clear the case is not the only mystery being unearthed between them. They are led down dark, township alleyways, towards drug-dealer territory, and into the box of a decade old cold case… but how long will they take to realize how deep the roots of this case go? Neither of them are prepared for the trials they face as they start digging through Samantha’s twisted family history and exposing the cost of hidden truths. Will the collision of the past and present destroy what little faith they have in finding healing, or will it be the key to solving the decade old mysteries between them and finding redemption in the chaos? Emily Hart is a young South African author. She’s been involved in humanitarian work in the Middle East and half a dozen African countries, meeting people and seeing places that inspire her writing. Emily lives in Stellenbosch with her family and five chickens.

The industry's first art book celebrating the creative talents of digital artists worldwide. EXPOSE consists of international artwork covering the fields of 3D, digital illustration, industrial design, architectural visualization, games, television and feature film. The images range from work created by the world's leading design firms, to a wealth of images from established professionals and many, many unknown and very young artists whose work will astonish you.

In his nearly thirty years at CBS News, Emmy Award–winner Bernard Goldberg earned a reputation as one of the preeminent reporters in the television news business. When he looked at his own industry, however, he saw that the media far too often ignored their primary mission: objective, disinterested reporting. Again and again he saw that they slanted the news to the left. For years Goldberg appealed to reporters, producers, and network executives for more balanced reporting, but no one listened. The liberal bias continued. In this classic number one New York Times bestseller, Goldberg blew the whistle on the news business, showing exactly how the media slant their coverage while insisting they’re just reporting the facts.

Ten years ago one devastating night changed everything for Austin, Hunter and Alex. Now they must each play their part in the revenge against the one man who ruined it all. With ruthless determination, Alex Diaz has risen up from his deprived roots to become the head of a global media empire. But he has one last thing to achieve...avenge his friend by destroying the man responsible for her death, Jason Treffen. With stunning talk–show host Chelsea Maxwell about to interview Treffen live on TV, this is Alex's chance. He'll use her show to exact a very public revenge–and seducing Chelsea, if needed, would certainly be no hardship. But he underestimates Chelsea and the attraction between them, and as their relationship deepens, Alex realizes that to annihilate Treffen could also shatter the life that Chelsea has built to protect herself....