Researchers often hope that their work will inform social change. The questions that motivate them to pursue research careers in the first place often stem from observations about gaps between the world as we wish it to be and the world as it is, accompanied by a deep curiosity about how it might be made different. Researchers view their profession as providing important information about what is, what could be, and how to get there. However, if research is to inform social change, we must first change the way in which research is done.

Engaging the Intersection of Housing and Health offers case studies of research that is interdisciplinary, stakeholder-engaged and intentionally designed for “translation” into practice. There are numerous ways in which housing and health are intertwined. This intertwining—which is the focus of this volume—is lived daily by the children whose asthma is exacerbated by mold in their homes, the adults whose mental illness increases their risk for homelessness and whose homelessness worsens their mental and physical health, the seniors whose home environment enhances their risk of falls, and the families who must choose between paying for housing and paying for healthcare.

A sharp exposé of the roots of the cost-exposure consensus in American health care that shows how the next wave of reform can secure real access and efficiency.

The toxic battle over how to reshape American health care has overshadowed the underlying bipartisan agreement that health insurance coverage should be incomplete. Both Democrats and Republicans expect patients to bear a substantial portion of health care costs through deductibles, copayments, and coinsurance. In theory this strategy empowers patients to make cost-benefit tradeoffs, encourages thrift and efficiency in a system rife with waste, and defends against the moral hazard that can arise from insurance. But in fact, as Christopher T. Robertson reveals, this cost-exposure consensus keeps people from valuable care, causes widespread anxiety, and drives many patients and their families into bankruptcy and foreclosure.

Marshalling a decade of research, Exposed offers an alternative framework that takes us back to the core purpose of insurance: pooling resources to provide individuals access to care that would otherwise be unaffordable. Robertson shows how the cost-exposure consensus has changed the meaning and experience of health care and exchanged one form of moral hazard for another. He also provides avenues of reform. If cost exposure remains a primary strategy, physicians, hospitals, and other providers must be held legally responsible for communicating those costs to patients, and insurance companies should scale cost exposure to individuals’ ability to pay.

New and more promising models are on the horizon, if only we would let go our misguided embrace of incomplete insurance.