From Reason's Ronald Bailey: "How medical markets would improve health care and reduce costs":
"So the first step toward real reform is to give consumers responsibility for buying their own health insurance. The employer-based health insurance system must be dismantled, and the money spent by employers for insurance should be converted to additional income. This would immediately inject cost consciousness into health insurance decisions."
"Nevertheless, here's one partial vision of how a system of competitive health care and health insurance might develop if real reform were adopted.
"The typical American might purchase high-deductible health insurance policies that would cover expensive treatments for chronic diseases such as heart disease, cancer, AIDS, diabetes, multiple sclerosis, or the catastrophic consequences of accidents. Coverage would also include expensive treatments such as heart surgery, organ transplants, dialysis, radiation therapy, etc.
"In addition, Americans would be able to buy health-status insurance that would guarantee that they could purchase health insurance at reasonable prices in the future. ..."
The rest is a must-read:
http://www.reason.com/news/show/135081.html
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