Recent Policy Briefs

Comments on Report to Congress on How to Modernize and Improve the System of Insurance Regulation in the United States

November 29, 2011

The Heartland Institute is a research and educational organization devoted to discovering, developing, and promoting free-market solutions to social and economic problems.

The Case for Creating a Michigan Auto Insurance Fraud Prevention Agency

November 17, 2011

In February 2008, Pennsylvania resident Corey Middleton called the police and his insurance company to report a serious problem.

Regulating For-Profit Colleges in Ohio

October 31, 2011

The Ohio legislature is considering H.B.

Five Things to Consider Before Raising Tobacco Taxes: A Review of the Research

Eli Lehrer
July 25, 2011

Tobacco use poses well-known health risks. Smokers, on average, die earlier than nonsmokers.

You Call This Consensus?

July 7, 2011

Heartland Institute President Joseph Bast writes a 2011 paper examining the common sound bites surrounding the idea that there is a scientific "consensus" surrounding the idea that humans are the p

The Indiana School Scholarship Act (House Bill 1003): Commentary and Analysis

Joseph L. Bast
June 7, 2011

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Solving the Flood/Wind Problem After Hurricane Losses:

Scott Richardson and Eli Lehrer
June 1, 2011

In the aftermath of a hurricane landfall, there often isn’t enough data or experience relating to the losses to make known for certain whether a given loss resulted from wind or water.

State Insurance Exchanges: The Case against Implementation

Benjamin Domenech
April 20, 2011

State policymakers face a complex task as they decide whether to implement President Barack Obama’s health care law.