Private Insurance, Public Power – LPE Project

The Religious Liberty Threat to American-Style Social Insurance

James Brandt — Mon, 08 Jul 2024 11:00:00 +0000

This post concludes a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** The past decade has witnessed a steady drumbeat of religious challenges to the Affordable Care Act. Employers have argued that they should not be required to provide access to, among other things, contraceptives, sterilization, and gender-affirming care because doing so would...

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The Insurance Industry Is Not the Victim

James Brandt — Tue, 02 Jul 2024 11:00:00 +0000

This post is part of a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** The United States has a home insurance crisis: people are losing their policies, many homes aren’t covered to begin with, and the price of insurance is skyrocketing. And it’s happening not just in California and Florida, but in Iowa and Colorado and Minnesota, too.

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The Puzzling Persistence of Gender Discrimination in Insurance

Kate Yoon — Tue, 11 Jun 2024 11:00:00 +0000

This post is part of a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** Across most lines of insurance, men and women in the United States can expect to pay different prices for access to coverage or receive substantially different benefits from their policies. Insurers’ reliance on gender to price insurance presents an anomaly in the contemporary...

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Facing the Quasi-Sovereignty of Insurers

Kate Yoon — Wed, 05 Jun 2024 11:00:00 +0000

This post is part of a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** Americans are in the midst of a crisis in the availability and affordability of insurance. In 2023, average car insurance premiums soared 24 percent relative to 2022, increasing at a pace 6 times faster than wages. For low and middle-income Americans that rely on cars to access...

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The Re-Risking State: The Limits of Property Insurance in Florida

Kate Yoon — Wed, 29 May 2024 11:00:00 +0000

This post is part of a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** Florida’s property insurance market is in crisis. Many of the Sunshine State’s insurers are raising rates or pulling out of communities, zip code by zip code. The average Florida homeowners insurance premium rose to nearly $11,000 in 2023, with notably higher rates in coastal...

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Insurance Risk and Democratic Police Reform

Kate Yoon — Thu, 23 May 2024 11:00:00 +0000

This post is part of a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** Culver City, California was one of the many cities during the summer of 2020 where local organizers mobilized to reimagine policing. A grassroots coalition in Culver City called for the city’s police department budget to be cut by 50%, with the money reallocated toward non...

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Private Insurance, Public Power: A Symposium

James Brandt — Wed, 22 May 2024 11:00:00 +0000

This post introduces a symposium on the law and political economy of insurance. Read the rest of the posts here. ** ** ** Earlier this week, the cargo ship that crashed into Baltimore’s Francis Scott Key Bridge was removed from the site of the collapse, clearing the way for the Port to re-open its main channel later this month. From a legal perspective, however, the long saga of the bridge...

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