Associate Professor of Economics and Chair of the Department of Economics Sean Flynn discussed two changes that would lower American healthcare costs “while delivering universal access, coverage for preexisting conditions, and an ironclad safety net” on the Academic Minute podcast, on Inside Higher Ed. “The employer or government sponsor pays the premium for an insurance policy but then gifts each participant an amount equal to the annual deductible each and every year,” Flynn said of one of the changes. “Those annual gifts ensure 100 percent financial security, because participants can always pay their out of pocket costs.”