annuity, coverage, insurance, uninsurance, uninsured



  1. Liberman, Aaron PhD
  2. Rotarius, Timothy PhD


The United States has 45 million individuals who lack health insurance, causing them to experience higher morbidity and mortality rates. One method for funding the uninsured includes creating an annuity (federally funded at $1,000 per year for the first 5 years of one's life) for each newborn. When the annuity matures, at the age of 45 years, the individual will have a large health care fund. When coupled with options such as familial vesting, within a few generations, these annuities have the capacity to ultimately provide health care coverage from birth through old age.