January 24, 2011

ONE OF THE POINTS OF AN HSA...:

Reforming the Reform (ROSS DOUTHAT, 1/23/11, NY Times)

What Republicans need is a different kind of incremental approach, one that uses the strongest conservative critiques of the health care bill as a framework for a reform of the reform. If Obama is defeated in 2012, this framework could easily be adapted into a full scale repeal-and-replace effort. But in the event that he’s re-elected, it would offer a Republican Congress a blueprint for improving the law without doing away with it entirely.

Here are three such conservative critiques: first, that Obamacare entrenches the very model of health care financingthat drove costs sky-high to begin with — a model in which every insurance plan has to be comprehensive, every significant payment is made by a third party, and consumers have no idea what their treatments actually cost.

Second, the new subsidies for the uninsured are so expansive that they may encourage employers to stop offering insurance altogether, offloading their employees into the new health care exchanges and swiftly overwhelming the federal budget.

Third, the mandate to buy health insurance infringes on American liberties: never before has Washington required that private citizens purchase a particular product from a particular set of private companies.

To address the first problem, Republicans should work to deregulate the new health care exchanges, so that high-deductible, catastrophic coverage can be purchased as easily as comprehensive plans. To address the second, they should propose capping the subsidies for the uninsured, so that they don’t dramatically exceed the value of the existing tax subsidy for employer-provided insurance.


...is that because you're saving the money during the decades that you're healthy you'll be able to afford those dying years yourself.

Posted by Orrin Judd at January 24, 2011 6:46 AM
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