In this book, EBRI brings together experts from the health care field, academia,
government, and the labor to assess America's catastrophic health care needs and how to
finance them. The book examines in detail how we define catastrophic costs and who is at
risk of incurring them, what roles the private insurance market and the federal government
currently play and their effectiveness, and what kind of approach to insuring against
these expenses is optimal. This book is a must reading for all Americans—because we all
are at risk of incurring major medical expenses needing long-term care.