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Leading policy-makers and scholars explain how market forces, deregulation, and consumer choice can work to improve health care for all Americans.

Commentary

Health Coverage Chaos
Deroy Murdock, Washington Times, 1-23-06

Murdock endorses an idea that we have long admired: creating a national health insurance market where consumers could shop for health care coverage as they now shop for mortgages.

The Health Care Choice Act, sponsored by Republicans Rep. John Shadegg of Arizona and Sen. Jim DeMint of South Carolina, would let American consumers buy health insurance across state lines, as they now may shop coast to coast for mortgages.
Shadegg-DeMint would let insurers licensed in one state sell to individuals in the other 49. As such, Congress would use its constitutionally enumerated powers to liberate interstate commerce and transform 50 separate, closed medical coverage markets into one open, national health-insurance market. …
"Two-thirds of the uninsured have incomes below 200 percent of the federal poverty level, and most cite unaffordability as the top reason for why they are uninsured," said Mr. Shadegg, who hopes to succeed Rep. Tom DeLay, Texas Republican, as House majority leader. "Until consumers can purchase their health care like their auto, homeowners, or life insurance, we won't reform health care; we will only re-regulate it."

Shadegg’s bill harnesses the power of competition to lower costs, and liberates insurance companies from the dominance of local interest groups who have lobbied state legislatures to inflict expensive health care mandates (like coverage for chiropractors) on consumers and companies alike.



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