477 outside of an inst.i.tutional setting

Freeman, "The Perfected Self."

478 personalized medicine continues to move forward

Chad Terhune, "Spending on Genetic Tests Is Forecast to Rise Sharply by 2021," Los Angeles Times, March 12, 2012.

479 For example, many health care

Since people sometimes switch from one insurance company to another, companies paying for prevention may end up benefiting a compet.i.tor.

480 required coverage of preventive care

"Preventive Services Covered under the Affordable Care Act," Healthcare.gov, 2012.

481 As everyone knows, the U.S. spends

Simon Rogers, "Healthcare Spending Around the World, Country by Country," Guardian, June 30, 2012; Harvey Morris, "U.S. Healthcare Costs More Than "Socialized" European Medicine," International Herald Tribune, June 28, 2012.

482 many other countries that pay far less

Morris, "U.S. Healthcare Costs More Than "Socialized" European Medicine."

483 still, tens of millions do not have reasonable access to health care

Emily Smith and Caitlin Stark, "By the Numbers: Health Insurance," CNN, June 28, 2012, where the cost of intervention is highest

Sarah Kliff, "Romney Was Against Emergency Room Care Before He Was for It," Washington Post, Ezra Klein"s Wonkblog, September 24, 2012, chance of success is lowest

Sarah Kliff, "The Emergency Department Is Not Health Insurance," Washington Post, Ezra Klein"s Wonkblog, September 24, 2012, reforms will significantly improve some of these defects

Emily Oshima Lee, Center for American Progress, "How ObamaCare Is Benefitting Americans," July 12, 2012, but the underlying problems are likely to grow worse

U.S. Government Accountability Office, "Federal Government Long-Term Fiscal Outlook: Spring 2012," April 2, 2012, The business of insurance began as far back as ancient Rome

LifeHealthPro, "Timeline: The History of Life Insurance," 2012, and Greece

American Bank, "A Brief History of Insurance," June 2011, were similar to what we now know as burial insurance

Ibid.

491 not offered until the seventeenth century in England

Habersham Capital, "The History of Life Insurance and Life Settlements," 2012, development of extensive railroad networks

"Health Insurance," Encarta, 2009, drive costs above what many patients could pay on their own

Timothy Noah, "A Short History of Health Care," Slate, March 13, 2007,