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"The Economics of Property-Casualty Insurance presents new research and findings on key aspects of the economics of the property-casualty insurance industry. The volume explores the industrial organization, regulation, financing, and taxation of this business. The first paper, on external financing and insurance cycles, contains a wealth of information on trends and patterns in the industry's financial structure. The last essay, which compares performance of stock and mutual insurance companies, takes a fresh look at the way a company's organizational structure affects its responses to different economic situations. Two papers focus on rate regulation in the auto insurance industry, and provide broad overviews of the structure and economics of the insurance industry as a whole. Also addressed are the system of regulating insurance companies in the United States, who insures the insurers, and the effects of tax law changes in the 1980s on the prices of insurance policies.

Free (or Almost Free) Prescription Medications: Where and How to Get Them is a step-by-step guide to over 168 assistance programs offering thousands of prescription medicines for free (or almost free) to those who qualify. All of these programs require that you have no insurance that provides prescription coverage and that you are ineligible for state Medicaid. These programs have income guidelines, but only 13 of them require your income to be less than $715 per month for a single person. Most of the programs allow a monthly income between $1,079 and $3,210 for single persons. Each drug company program has its own listing that includes everything you need to know in order to apply for medications. Take advantage of the savings offered by these free (or almost free) drug company programs by following the simple instructions in this book.