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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

The Health Care Choice Act: Eliminating Barriers to Personal Freedom and Market Competition
Robert E. Moffit, Ph.D., Heritage Foundation, 7-17-06

Heritage Foundation scholar Robert Moffitt reports on the Health Care Choice Act, which would allow consumers to purchase health insurance from across state lines, increasing competition and consumer choice.

The Health Care Choice Act would expand personal choice and create robust market competition across state lines within the individual health insurance market. It would make health insurance more affordable for millions of Americans and help individuals and families purchase plans that best comport with their wants, needs, and values. Moreover, the emergence of a national market for health plans would be a major step toward intensifying competition among doctors, hospitals, and other medical professionals, broadening consumer choice significantly.

Health insurance markets that limit choice and restrict competition are the equivalent of industrial–age dinosaurs. In an age of rapidly expanding information technology, consumers demand information on medical goods and services. Americans should be free to act directly on that information with their dollars, controlling the flow of dollars in the health care system, even across state lines. There is no legitimate reason why health insurance should be insulated by old laws and outdated regulation from the normal market forces that govern virtually every other sector of the American economy.



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