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1、PERSPECTIVEHEALTHECONOMICScurrentlyreducestheaffordabilityofcurativetherapies.Buyingcuresversusrentinghealth:OthershavesuggestedHCLs,bothattheFinancinghealthcarewithconsumerloansindividualconsumerlevel(5)andnationally,throughgovernment-agencydebt-financing1,23,41,2,5,6(6)
2、,butthusfar,nospecificmethodshavebeenVahidMontazerhodjat,DavidM.Weinstock,*AndrewW.Lo*proposedforimplementingthemorraisingthefundstopayforthem.Inthisarticle,weAcrisisisbuildingoverthepricesofnewtransformativetherapiesforcancer,hepatitisCpresentsuchaproposalandanalyzethefi
3、nan-virusinfection,andrarediseases.Theclinicalimperativeistoofferthesetherapiesasbroad-cialviabilityofHCLsforfundingtransformativelyandrapidlyaspossible.Weproposeapracticalwaytoincreasedrugaffordabilitythroughtherapiesusingportfoliotheoryandfinancialhealthcareloans(HCLs)—
4、theequivalentofmortgagesforlargehealthcareexpenses.HCLsengineeringtechniques(7).allowpatientsinbothmultipayerandsingle-payermarketstoaccessabroadersetofther-Themotivationforourproposalisnotanapeutics,includingexpensiveshort-durationtreatmentsthatarecurative.HCLsalsolinkou
5、trightmarketfailure(thatis,aneconomicpaymenttoclinicalbenefitandshouldhelplowerper-patientcostwhileincentivizingtheconceptofinefficiencyintheallocationofre-developmentoftransformativetherapiesratherthanthosethatoffersmallincrementalsourcesthatcanonlyberemediedviagovern-ad
6、vances.Moreover,weproposetheuseofsecuritization—awell-knownfinancialengineer-mentintervention).Infact,anumberoffinancialDownloadedfromingmethod—tofinancealargediversifiedpoolofHCLsthroughbothdebtandequity.institutionsalreadyofferstandardizedloanNumericalsimulationssuggest
7、thatsecuritizationisviableforawiderangeofeconomiccontractsthatprovidelargeamountsofcreditenvironmentsandcostparameters,allowingamuchbroaderpatientpopulationtoaccesstoconsumersforavarietyofpurposes,includ-transformativetherapieswhilealsoaligningtheinterestsofpatients,payer
8、s,andthephar-ingmedicalexpenses,soamarketforhealthmaceuticalindustry.careloansalreadyexists.Howe
