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able access to quality ance assessment assets benefits blueprint build universal coverage caid Claude Pepper Commission believes Commission recognizes Commission recommends Commission's cost shifting cover Current Population Survey DAVID PRYOR develop disabled elderly efficient eligibility ensure access ensure adequate face federal cost federal government Financing Model firms health and long-term health care costs health care coverage health care system health coverage health insurance home and community-based house of cards in-home income increase individuals insurance market Long-Term Care Financing long-term care insurance long-term care system Medicaid Medicare Medigap mends nation need long-term Nonelderly number of elderly nursing home stays ommends out-of-pocket payment rates Pepper Commission percent ployers poor poverty premiums private insurance private long-term problems provide coverage public coverage public program public support purchase receive recom reform risk Rockefeller IV severely disabled small employers social insurance SOURCE spending standards strategy substantial sumers tion uninsured workers