One reason many public schools achieve poor academic results is that they are neither free to succeed nor free to fail. Schools that succeed...
Research & Commentary: National Flood Insurance Program Reauthorization
Reauthorization of the National Flood Insurance Program (NFIP) has been a political football in recent years, with Congress unwilling to commit to reform.
Facing Mother Nature
Changes in insurance markets that followed the flurry of hurricanes in 2004–2005, capped by Hurricane Katrina, have been met by a storm of criticism in Congress and state capitals.
Florida Faces Dual Crises in Insurance Markets
Submitted by mglans on January 19, 2012, 12:59 PM
On January 17, Legislative Specialist Matthew Glans a new study from the James Madison Institute (JMI) written by JMI adjunct scholars Eli Lehrer, who is vice president for Washington, DC operation
Times Picayune Louisiana Citizens
Submitted by mglans on January 18, 2012, 1:48 PM
Sent LTE on Louisiana Citizens to Times Picayune.
Workable Solutions for Florida’s Challenging Insurance Problems
The ways that Floridians purchase coverage to protect their property and insure their vehicles has, increasingly, placed a significant drag on the state’s economy.
The Causes and Consequences of Rate Regulation in the Auto Insurance Industry
The extent and detail of state regulatory control over the auto insurance industry has increased markedly in the last ten years.
Analysis of the Consumer Federation of America Report: “Why Not the Best?”
In a recent paper entitled "Why Not the Best?" the Consumer Federation of American (CFA) claims to have “researched the results of regulation over the last decade in the 50 states” and conclud
Why Not the Best? The Most Effective Auto Insurance Regulation
This report was prompted by the National Association of Insurance Commissioners (NAIC) decision at their spring meeting of 2001 to consider deregulation of personal lines of property/casualty insur
Research & Commentary: Medical Fee Schedules for Michigan Auto Insurance
Auto insurance will be one of the key issues Michigan legislators face in the upcoming legislative session.
Comments on Report to Congress on How to Modernize and Improve the System of Insurance Regulation in the United States
The Heartland Institute is a research and educational organization devoted to discovering, developing, and promoting free-market solutions to social and economic problems.

