|Leading policy-makers and scholars explain how market forces, deregulation, and consumer choice can work to improve health care for all Americans.||
Building on the Successes of Health Savings Accounts
D'Angelo and Moffit think that efforts towards the next significant health care reform should focus on the tax code, which currently favors employer–based insurance to the disadvantage of individuals who work at firms that don't offer health insurance. They also believe that tax credits should allow individuals to purchase any kind of health insurance, not just HSAs.
The Health Opportunity Patient Empowerment Act of 2006, recently passed by the House Committee on Ways and Means, includes needed management and administrative changes to HSAs. As good as these changes are, however, they are insufficient. Alone, HSAs will not fix the health care system. They work within a distorted health insurance market where tax policy favors the purchase of some health plans over others and where government officials and employers still choose health plans for most individuals. While health accounts are portable, the high–deductible plans are often still tied to the place of work.
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