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additional adverse selection age sixty-five agree with Pauly allocation Alzheimer's disease American Enterprise Institute amount argue argument average benefits bequests burden caid Chairman and CEO chronic illness Contract with America cost of long-term cover dependency disabled person efficiency elderly employer expected expenditure family members federal Financing Long-Term financing of long-term formal long-term health care Health Economics health insurance income and assets increase individuals insurance coverage insurance premiums long-term care insurance long-term care provided Long-Term Care Receive long-term care services market failure Medicaid coverage Medicaid program Medicare moral hazard nancing natural monopoly nomic nursing home costs OECD patient pay for long-term payments percent Peter Zweifel Policy Studies political population President and CEO private insurance private long-term problem Professor proposal provision of long-term public provision reason reduce Resident Fellow risk spouse substantial substitute tax exclusion tion Visiting Scholar voucher scheme voucher solution voucher system Wiener