David BernsteinAlternatives to Biden Student Debt Relief ProposalsIntroduction: The proportion of students leaving school with debt, the average debt load of students, and the number of older workers…10 min read·Jan 13, 2023----
David BernsteinAn Evaluation of the Biden-Harris Health Care Plan — Finance MemosIntroduction:16 min read·Jan 18, 2021----
David BernsteinOverview of Health Insurance ProblemsThe health insurance system in the United States is in crisis. The Affordable Care Act (ACA) reduced the number of Americans without…11 min read·Nov 16, 2020----
David BernsteinThe Individual Mandate and the Future of the ACAThe 2017 Tax Reconciliation Act repealed fines for violating the individual mandate and created a set of legal and economic problems…4 min read·Nov 9, 2020----
David BernsteinIs it time to merge employer-based and state exchange insurance markets?The Affordable Care Act (ACA) created state-exchange health insurance markets to allow access to health insurance for people with…6 min read·Oct 29, 2020----
David BernsteinImplications of the ACA Supreme Court CaseThe Trump Administration presented an amicus brief before the Supreme Court arguing the entire ACA is now unconstitutional because…5 min read·Oct 14, 2020----
David BernsteinHealth Care Reform and the Tax CodeMany problems with health insurance markets in the United States are associated with aspects of the tax code.10 min read·Oct 7, 2020----
David BernsteinTrump Administration Health Care PolicyHealth care reform and the future of the Affordable Care Act are on the ballot in 2020, just as in 2018. This memo contains several…4 min read·Sep 8, 2020----
David BernsteinThe Politics of Student DebtThere are two distinct lanes in the Democratic party. The progressive lane gravitates towards big ideas, which if implemented would…7 min read·Mar 13, 2020----
David BernsteinThe 15 percent delegate allocation rule & Super TuesdayBernie Sanders may get virtually all of the delegates in California and a very large proportion in Texas on Super Tuesday with around 30…3 min read·Feb 27, 2020----