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Adjusted for inflation, average college tuition has more than doubled since 1970 (Figure 1). This tuition rise impacts more than just college payers, as an annual $124 billion of federal tax dollars subsidizes financial aid. As tuition climbs, so does the federal contribution. Despite the rise in tuition, most of this increased funding does not go toward academic instruction. So, where is it going? Tuition circulates throughout a university, contributing to everything from student services to administrators hired to oversee compliance. Increased costs in these non-academic areas have forced universities to hire an exorbitant number of administrative staff. In fact, most universities have more administrative staff than professors (Figure 2).

Across the United States, annual homeowner insurance premiums have increased by an average of $648 from 2021 to 2024, according to the Consumer Federation of America. While there are widespread cost increases nationally, several communities have been hit harder than others due to the rise in severe weather events in the past few years. The states that saw the greatest percentage increase in premiums were Utah (59%), Illinois (50%), Arizona (48%), and Pennsylvania (44%). This contrasts with those states that saw the greatest hike in absolute dollars, which were Florida ($2,118), Louisiana ($1,775), and Kentucky ($1,426). These two pieces of data tell us two things about the effect of climate risk on insurance premiums: new areas are being exposed to disasters and known high-risk areas are facing exacerbated impacts.

Federal regulation has grown into something almost impossible to fully grasp. The U.S. Code of Federal Regulations now runs over 180,000 pages, compared to just 10,000 pages in 1950. States have not fared any better. Ohio's code recently surpassed 17 million words. At that scale, checking every rule against current law to see what is outdated or contradictory is not realistic. Therefore, almost nobody does, and the rules keep piling up. In the past some states have attempted to arduously tackle the problem by hand. For example, former Massachusetts’ Governor Charlie Baker launched a "regulatory review" effort in 2015 that ran through 2017. Many other states have attempted similar reviews over the years. Reviewing an entire regulatory code, however, is slow and labor-intensive, and many of these earlier efforts ended up incomplete.

Amid our recent harsh winter, Governor Maura Healey issued an immediate reduction of electricity bills by 25% across the state and a 10% gas bill reduction. However, these are temporary relief measures, as Massachusetts is forced to reconcile how it will address its aging infrastructure, fuel constraints, and the cost pressures placed on consumers. Currently, Massachusetts’ retail electricity cost ranges from about $0.28-$0.32/kWh, which is about 40-60% higher than the US national average of $0.20/kWh. It is also a sharp increase from Massachusetts’ last recorded rate of $0.23/kWh in 2023, according to Pioneer’s DataLabs, which placed Massachusetts fourth highest nationally. Utilities company Eversource Energy has examined the increase in residential gas bill prices since 2015, breaking down bill components into four categories: maintenance and infrastructure, Gas System Enhancement Plan (GSEP), public benefits that support state-mandated programs (i.e. Mass Save), and supply. While each component has shown increases over the past ten years, public benefits rose 200% and supply related costs rose 175%.

BOSTON – On the heels of last week’s unprecedented state Supreme Judicial Court (SJC) decision removing a widely supported income-tax reduction measure from the November ballot, a new Pioneer Institute study finds that Massachusetts taxes a far larger share of lower- and middle-income households' earnings compared to red and blue competitor states. The Commonwealth's personal exemption remains at just $4,400 for single filers and $8,800 for married couples filing jointly—levels that have not changed since 2008 and have declined in inflation-adjusted value by 55 percent. If rates had been adjusted for inflation, they would have saved tax filers an additional $861 million in 2025. Current rates shield far less income from Massachusetts taxpayers than many competing and neighboring states.

Urban school reform was working. Did antiracism break it? We have sought to advance diversity, equity, and inclusion in public education for decades. For us, that means a diverse staff, a multicultural curriculum, inclusive school communities where children feel known and heard, and most importantly, academic achievement for all students. In the 2010s, new schools dedicated to educational equity were posting striking results. When the Center for Research on Education Outcomes at Stanford University examined student outcomes from 2015 to 2019 in 29 states as well as Washington, D.C., and New York City, it identified some 200 charter school networks serving urban areas that were closing — or even reversing — longstanding achievement gaps in reading, math, or both.

Massachusetts may be known for extensive public spending, but that did not prevent it from getting a “C” on the 2025 Infrastructure Report Card published by the American Society of Civil Engineers. Infrastructure problems have plagued Massachusetts since well before the pandemic, and the past several years have made maintaining and improving the systems much more difficult for many metropolitan centers in the US. Pioneer Institute’s DataLabs platform yields some insight into persistent infrastructure quality concerns with Massachusetts’ transportation network. For context, Massachusetts ranked 38th nationally, with only 74.3% of its roads in acceptable condition, compared to the national average of 81.2%. Massachusetts also ranks 4th highest in the share of bridges in poor condition. These rankings reflect longstanding infrastructure issues that have become increasingly expensive to address post-pandemic.

Entrepreneur Alex Carter invested about a quarter-million dollars to build an innovative cost-sharing service for auto repairs. Unfortunately, state regulators in Utah shut it down, not because it caused any harm, but because it resembled insurance closely enough that regulators deemed it illegal. Unable to afford lawyers to fight the ruling, Carter was ultimately forced to close his company. His experience is not uncommon. Regulations written decades ago can hamper business creation in a way lawmakers never anticipated. When a business model does not fit nicely into a regulator-recognized category, it is often treated as a violation rather than an innovation. The cost falls on businesses that quietly fail to launch. A growing number of states are now testing a policy to address this issue – regulatory sandboxes.

Today’s ruling by the Massachusetts Supreme Judicial Court is a serious disappointment for Commonwealth families struggling under one of the highest tax and cost burdens in the nation. The Court’s decision rests on a drafting error in the Attorney General’s summary of...

Today's ruling is a serious disappointment for Massachusetts families struggling under one of the highest tax and cost burdens in the nation. The Court's decision rests on a drafting error in the Attorney General's summary of the petition—a matter entirely outside the control of voters and petition signers. As a result, the people of Massachusetts will be denied the opportunity to decide whether the Commonwealth should reduce the income tax rate from 5 percent to 4 percent.