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


ECONOMIC VIEWPOINT A Prescription For Health-Care Reform
R. Glenn Hubbard, Business Week, 9-20-04

A key component of consumer-driven health care is in place now: tax-free Health Savings Accounts are available for the vast majority of Americans. Glenn Hubbard, Dean of the Columbia University Business School, suggests a few simple regulatory changes that can help make them more popular: "Let all Americans deduct expenditures on insurance and out of pocket expenses as long as they purchase at least insurance against catastrophes." By allowing tax deductions for routine medical expenses or insurance purchases, government could help level the playing field between employer-based insurance and self-purchased insurance, thus encouraging more people to manage their own health care costs and save against future expenses.

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