A US National Health Care System? Message Board

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Politics : A US National Health Care System?

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To: Peter Dierks who wrote (3553)	1/3/2008 11:29:03 AM
From: Road Walker	Read Replies (3) of 42652

In the absence of this kind of federal tax reform, one promising idea being advanced by forward-looking state legislators is the creation of a "health insurance exchange." Basically, this would work like a "stock exchange" for health plans. Consumers would buy the health plans they want, and employers would make a defined contribution to the "exchange" to cover the cost of the chosen plan. Under this approach, the "exchange" would be designated as the employer's plan under federal law; therefore, the employer's contribution and the value of the employee's chosen plan would be tax free under federal law. The key change is that the employee--not the employer--owns the health plan and can take it from job to job. Thus, a statewide health insurance exchange would make health plans both personal and portable. Why have the employer involved at all? One of the things that really screws up the current system is employer involvement. If auto or home insurance were considered a perk of 'good' employment I'm sure they would be just as screwed up as health insurance.

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