Joseph P. Newhouse is the John D. MacArthur Professor of Health Policy and Management, Harvard University.

This study has more to tell us about health reform than any other that has occurred in the past or is likely to occur in the future. Free for All? represents the most monumental and seminal contribution in health care services research ever.

• Acknowledgments Part I. Introduction Background The Design of the Experiment Part II. Effects of Cost Sharing on Use of Medical Services Total Annual Per Person Expenditure Episodes of Treatment Specific Types of Use Part III. Effects of Cost Sharing on Health Outcomes Adult Health Status and Patient Satisfaction Pediatric Health Status Part IV. Results at the Health Maintenance Organization Use of Services Health and Satisfaction Outcomes Part V. Lessons from the Health Insurance Experiment Administrative Lessons Central Findings and Policy Implications Appendix A. Health Insurance Study Publications Appendix B. Further Explanation of Design Decisions Appendix C. Schedule of Benefits in the Family Health Protection Plan Appendix D. Comparison of the Finite Selection and Conlisk-Watts Models Notes References Index