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health debate reading summary

health debate reading summary - Fall 2011 Policy Analysis...

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Fall 2011 Policy Analysis in the Real World Health Debate Readings: # 27 Evolving Beyond Traditional Employer-Sponsored Health Insurance Stuart Butler Traditional Employer-sponsored Insurance has problems: The nature of the workforce is changing. (no long the long-standing relationship) Insurance is not sufficiently portable Firms face difficulties and disincentives and may lack the capacity to offer insurance. Unequal tax treatment skews the system 70.1% -1987 62%- 2005 Health Exchange Plan- supplementing-rather than replacing- the employer-sponsored system, the plan is designed to fill in the present system’s gap. Provide portable and universally available coverage options through state-chartered “insurance exchange” (options of health plans with stable premiums) Transform employers into facilitators, not sponsor of coverage Reform the tax treatment of healthcare to promote efficiency and fairness (tax-credit for low-income families) Reasons for not including an Individual or Employer Mandate A mandate could engender political opposition, and it is not yet certain that everyone would have access to affordable insurance options and for those “families who are currently relatively satisfied with their insurance but are worried about rising costs…would get real nervous about the change” Bush “Health Tax Reform Plan” #28 Making Health Care Affordable: Bush’s Bold Health Tax Reform Plan Stuart Butler Characteristics: 1. Revenue-neutral reform giving all Americans a “standard deduction” to replace unlimited “tax exclusion” only to Americans who participate in company sponsored plans. 2. Encourage State-based innovation: a Connector is a state chartered exchange that organizes the offering of a broad menu of private health insurance plans, much like the Federal Employee Health Benefits Program. Room for Improvement: introducing a tax-credit for lower-income families, because there are families that still cannot afford the basic coverage with the standard deduction. # 32 Wikipedia: 2008 Health American Act (Wyden-Bennet Act) Characteristics: 1. Moving away from employer-based insurance by converting the tax deduction for employer- provided health insurance into a tax credit and requiring individuals to use it by insurance(mandate)
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2. Making the health insurance cost more transparent and cheaper 3. Establishing “ State Health Help Agency” to monitor the implementation of HAPI plans 4. Federal Employee Health Benefits Program and SCHIP would be replaced; Medicaid participants are transitioned out of that program. # 31 An examination of the Wyden-Bennet Health Reform Edwin Park 1. The risk of adverse selection? Health Savings Accounts (HSA) attached to high deductible health plans could be offered through the new purchasing pools and pose a particular risk of adverse selection. Some adverse selection likely would result, with healthy individuals choosing low-cost health insurance plans, like high-deductive plans attached to
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