Reports

Report | TexPIRG | Health Care

Building a Better Health Care Marketplace

Policy Brief #7: Designing a Consumer-Friendly Exchange: The exchange is a store where consumers can buy health insurance products – and anyone who’s worked retail knows that the consumer experience is critical.  For all the attention that must be paid to getting the behind-the-scenes aspects of the exchange to work, the front-end is just as important.

Report | TexPIRG | Health Care

Building a Better Health Care Marketplace

Policy Brief #6: The Exchange and Public Programs: While the exchange represents a significant new opportunity for states to improve the quality and affordability of health insurance, it is only one piece of the larger health care landscape.  Public programs, including Medicaid and the Children’s Health Insurance Program (CHIP), will continue to play a significant role, and the way they interact with the exchange will be important to the success of both.

Report | TexPIRG | Health Care

Building a Better Health Care Marketplace

Policy Brief #5: Driving Quality and Cost Improvements through the Exchange: A health care exchange that pools its enrollees’ bargaining power will help give consumers a better deal on their coverage, but it will need to do more to get the unsustainable rise in health care costs under control.

Report | TexPIRG | Financial Reform

Big Banks, Bigger Fees

Since Congress largely deregulated consumer deposit (checking and savings) accounts beginning in the early 1980s, the PIRGs have tracked bank deposit account fee changes and documented the banks’ long-term strategy to raise fees, invent new fees and make it harder to avoid fees.

Report | TexPIRG | Tax

Tax Shell Game

Tax havens are countries with minimal or no taxes, to which U.S.-based multinational firms or individuals transfer their earnings to avoid paying taxes in the United States. Users of tax havens benefit from access to America’s markets, workforce, infrastructure and security, but pay little or nothing for it—violating the basic fairness of the tax system. Abuse of tax havens inflicts a price on other American taxpayers, who must pay higher taxes—now or in the future—to cover the government’s revenue shortfall, or must deal with cuts in government services.

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