Stephen A. Moses

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Stephen A. Moses is a leading advocate for “Medicaid reform” who is closely aligned with the insurance industry. He is widely quoted in the news media, gives frequent lectures and seminars, and is an advisor to legislators and Medicaid officials. His primary message is that access to Medicaid must be severely restricted, and that seniors should purchase long-term care insurance. Moses presents himself as an independent think tank expert. Rarely mentioned in his own materials or media reports is the significant funding he has sought and received from insurance interests.

Example of Moses listed as a "policy expert":

Supported by the insurance industry

Moses is currently president of the Center for Long-Term Care Reform, Inc., a for-profit entity that he established in February 2005. His current organization was preceded by the similar sounding Center for Long-Term Care Financing, a non-profit he co-founded in 1998 to “educate others about the problems which plague America’s long-term care financing system...” Tax reports show that this group was launched with the support of insurance carriers, insurance agents and brokers. From 1998-2004 it received some $2,130,222 in grants and contributions in outside contributions, according to tax records.

In a 1999 fundraising solicitation to insurance companies, Moses wrote: “Long-term care insurance is difficult to sell when the government is giving it away. If only one in 5,000 of these people took our advice to purchase LTC protection, then the Center for Long-Term Care Financing has generated $35,000,000 in LTC insurance premium. The Center may be the long-term care insurance industry’s top producer!”

Today, Moses continues to advise states on how to tighten their Medicaid programs. In a brochure circulated to state legislators by the conservative Heartland Institute in the summer of 2007, he advises officials to “set up programs to divert applicants for Medicaid to home equity conversation and private insurance…”


Education and employment history

Moses was born on November 22, 1945. In 1967, he received a Bachelor of Arts in Political Science from the University of California, Davis and a Master of Arts Degree in Political Science from the University of Maryland in 1972. He began his career, according to an article in Forbes, working for a local California office of the Department of Health and Human Services and later a regional Medicaid office in Seattle. According to the article, a reading of Ayn Rand’s Atlas Shrugged converted him to a free-market proponent. He went on to serve in the Reagan Administration’s Health Care Financing Administration and Office of the Inspector General 1987-89. In 1989, he became research director for LTC, Inc, a privately-held company that marketed long-term care insurance.

Official bio

Stephen Moses is president of the Center for Long-Term Care Reform, Inc. in Seattle, Washington. The Center promotes universal access to top-quality long-term care by encouraging private financing as an alternative to Medicaid dependency for most Americans. Previously, Mr. Moses was president of the Center for Long-Term Care Financing (1998-2005), Director of Research for LTC, Inc., (1989-98), a senior analyst for the Inspector General of the U.S. Department of Health and Human Services (1987-89), a Medicaid state representative for the Health Care Financing Administration (1978-87), a HHS Departmental Management Intern (1975-78), and a Peace Corps Volunteer in Venezuela (1968-1970). He is widely recognized as an expert and innovator in the field of long-term care.


Related SourceWatch articles

Media coverage

"States Can Fix Long-Term Care Problems," Health Care News, Vol. 8, No. 4, April 2007, p. 15; . PDF Version

"The Future of Long-Term Care and Medicaid" ALEC Policy Forum, Vol. 8, No. 3, Fall 2006, pps. 45-47

"Medicaid Commission Overlooks Private Financing Options," Health Care News, August 1, 2006. Link to:

"Long-Term Care’s Lone Realist Rides Again: Interview with Stephen A. Moses, President, the Center for Long-Term Care Financing," Nursing Home magazine, March 2005

"On the Lack of True Marketing of Long-Term Care Insurance" Health Insurance Underwriter, December 2003. Link to:

"Expert Opinion: Stephen Moses, President, Center for Long-Term Care Financing,", posted March 10, 2003: extended interview (8 pages) with Steve Moses. Link to:

"Long-Term Care Crisis Builds," Health Care News, Vol. 3, No. 3, March 2003. Link to:

"Mandatory Long-Term Care Insurance in Germany; An Enlightening Perspective," Health Insurance Underwriter, November 2002, pps. 30-33.

"The LTC Wake-Up Call," Advisor Today, May 2002, URL is

"As I See It: Self-Funded Consumer Accounts May Provide Answer to Affordability," Assisted Living Today, Vol. 9, No. 2, March 2002, pps. 11-12.

  1. Examples of influence with state policymakers
  2. Center for Long Term Care Reform, Inc Website