Seventeen adults who experienced a life-threatening situation were interviewed to ascertain what they had learned about life from their confrontation with death. Interview questions focused on participants' philosophies of life, their personal regrets and priorities, and their advice to others. Interviews were analyzed using qualitative grounded theory and discovery-oriented techniques. Among the most common themes, the participants advocated less materialism, more spirituality, and more caring for and serving of others. After their confrontation with death they worried less about mundane issues and became more optimistic about the future of humankind. Implications for research and practice are discussed.

This paper summarizes the results from a study of consumer decision making in California's individual health insurance market. We conclude that price subsidies will have only modest effects on participation and that efforts to reduce nonprice barriers might be just as effective. We also find that there is substantial pooling in the individual market and that it increases over time because people who become sick can continue coverage without new underwriting. Finally, we show that people prefer more-generous benefits and that it is difficult to induce people in poor health to enroll in high-deductible health plans. [Health Affairs 25 (2006): w226-w234 (published online 2 May 2006; 10.1377/ hlthaff.25.w226)] W 2 2 6 2 M a y 2 0 0 6H e a l t h T r a c k i n g

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