Publications
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National Catastrophe Insurance Program
Publication -Research and Commentaries -Concerned about affordable homeowners' coverage in coastal areas, the national government currently is considering proposals to expand the its role in coastal insurance. -
Health Insurance Mandates
Publication -Research and Commentaries -One of the major causes of high-priced health insurance in the U.S. is the high number of mandatory minimum coverages required by some state governments. -
Short-term Effects of a Teenage Driver Cell Phone Restriction
Publication -Policy Studies -This academic study, conducted in 2008 by University of North Carolina Highway Safety Research Center Senior Research Scientist Robert D. -
Research & Commentary: Student Loans
Publication -Research and Commentaries -The credit crisis has had a significant impact on all aspects of the economy. Banks have become increasingly risk-averse, raising their loan qualification standards to levels that many consumers are unable to achieve. -
Nicholas Stern’s Faulty Views
Publication -Research and Commentaries -British academic Nicholas Stern will testify on Thursday, June 26 before the House Energy and Commerce Committee in Washington. -
Health Savings Accounts
Publication -Research and Commentaries -Health Savings Accounts are a way to provide affordable, flexible, consumer-directed health insurance for a population that has a growing need for quality coverage. -
Myth Busting Ethanol Fuel Subsidies
Publication -Research and Commentaries -Environmentalists in recent years have enthusiastically hailed ethanol fuel as a central element in combating what they perceive as a global warming crisis caused by manmade carbon dioxide emissions. -
No. 116 Choice & Education Across the States
Publication -Policy Studies -Choice & Education Across the States ranks state efforts to increase accountability and improve student achievement with four kinds of school choice: vouchers, charters, tax credits, and public school choice. -
Cap-and-Trade
Publication -Research and Commentaries -As the scientific community becomes increasingly skeptical of claims that global warming is manmade and portends a crisis, government calls for carbon dioxide (CO2) cap-and-trade systems are premature at best and economically disastrous at worst. -
Net Neutrality
Publication -Research and Commentaries -When it comes to property rights and a free market, net neutrality is not "neutral" in any sense of the word. -
Amicus Brief: Deseret Power Electric Cooperative
Publication -Policy Briefs -U.S. EPA issued a Clean Air Act permit last year to the Deseret Power Electric Cooperative, ending a three year process costing the utility millions of dollars. -
Rationing – How Not to Reform Health Care
Publication -Research and Commentaries -Most Americans want health care reform, but mandating health insurance or legislating a government-run single-payer system will not solve anything. Health care needs less government intervention, not more. -
Cigarette Tax Hikes: A Feeble Attempt to Cut Smoking Rates and Balance the Budget
Publication -Research and Commentaries -Last week, the Kentucky House of Representatives approved a 25 cent increase in the state's cigarette tax in an effort to help eliminate the state's budget deficit. The tax hike is part of a budget plan proposed by Gov. -
No. 118 Property & Casualty Insurance Report Card (pdf)
Publication -Policy Studies -This report card outlines the methodology and results of a joint Heartland Institute/Competitive Enterprise Institute project to produce a 50-state report card on insurance regulation. -
How to Privatize Airports … and Why
Publication -Research and Commentaries -Most Americans are not familiar with the phenomenon of airport privatization, but they may soon be. Chicago's Midway Airport could be the first major hub airport to divest public ownership to a private company through a lease or sale. -
No. 115 Understanding Visual Exhibits in the Global Warming Debate
Publication -Policy Studies -With a lack of traditional science, partisans on both sides, and enormous consequences depending on popular opinion and political will, it is important that people understand the evidence in the debate over global warming. -
Research & Commentary: The Flat Tax – Will it Be Coming to Your State?
Publication -Research and Commentaries -While millions of Americans wait for Congress to consider a national flat-rate income tax, an increasing number of proactive governors and legislators are "flattening" taxes at the state level. -
Education Vouchers
Publication -Research and Commentaries -In the real world, cash follows the consumer, causing institutions of worth to flourish, and those not of worth to wither. That's not true in education. -
A la Carte Cable Pricing
Publication -Research and Commentaries -FCC Chairman Kevin Martin recently proposed giving the agency power to mandate a la carte cable pricing, forcing cable companies to offer pricing on a channel-by-channel basis. -
Climate Change in the Classroom Education or Indoctrination? Part 1: Why Al Gore Doesn’t Belong in the Classroom
Publication -Research and Commentaries -This collection of eight articles and reports on Al Gore’s film, “An Inconvenient Truth” -
Use of Credit Scoring in Insurance
Publication -Research and Commentaries -Insurers have the unenviable responsibility of crafting rate and premium structures that allow both profitability for shareholders and fairness to consumers. -
Wireless Industry Regulation
Publication -Research and Commentaries -In states across the country, some legislators are proposing to increase regulations on wireless communications. Such regulations raise the cost of doing business for companies ... and in the long run, that means higher prices for consumers. -
Why Is Science Being Ignored?
Publication -Research and Commentaries -The February issue of the British Medical Journal (http://heartland.org/Article.cfm?artId=22811) confirms what research has shown for years: smokeless tobacco is less harmful than traditional smoking. -
Research & Commentary: School Vouchers as a Solution to Georgia’s Dire Education Problems
Publication -Research and Commentaries -Student achievement in Georgia is simply awful, and the state’s high school dropout rate puts it near dead-last in the country on this measure as well.