NCPA Commentaries by John C Goodman
Dr. John C. Goodman, President and founder of the NCPA and Kellye Wright Fellow, is known as the father of Health Savings Accounts and was dubbed by National Journal as "a winner of the devolution derby." He is one of the nation's leading health economists and health policy experts. Dr. Goodman regularly briefs members of Congress on these issues and is the author of nine books.
Apr 08, 2004
The modern era has inherited two models of health insurance: the fee-for-service model and the HMO model. Neither is appropriate to the Information Age. Both models assume that (1) the amount of sickness is limited and largely outside the control of the insureds, (2) methods of treating illness are limited and well defined, and (3) because of patient ignorance and asymmetry of information, treatment decisions will always be filtered by physicians, based on their own knowledge and experience or clinical practice guidelines.
However, an explosion of technological innovation and the rapid diffusion of knowledge about the potential of medical science to diagnose and treat disease have rendered these assumptions obsolete. In this chapter, we briefly outline the type of insurance we believe would emerge if we rely on markets, rather than regulators, to solve our problems.
Dec 26, 2003
Despite all the controversy about the new Medicare prescription-drug benefit, the law signed by the president this month contains a gem of an idea that should command support across the political spectrum. Beginning Jan. 1, 250 million nonelderly Americans will acquire the right to have a tax-free Health Savings Account.
Jul 21, 2003
We've all had the experience. You're riding in an airplane and discover that the person in the next seat paid $200 for his ticket, while you paid $800 for yours. Or maybe it was the other way around. Maybe you had the cheap fare and your seatmate paid top dollar.
Feb 11, 2003
Mandated health insurance benefits are laws requiring insurers to cover specific providers and procedures not usually included in basic health care plans. In 1965 there were only seven state-mandated benefits nationwide. Today there are close to 1,500.
Aug 08, 2002
People on Medicare are the only group in our society that needs to purchase a second insurance policy to fill the gaps in their primary health plan. Even after doing that, many seniors do not have coverage for the prescription drugs that non-seniors take for granted.
Feb 13, 2002
Ever since Hillary Clinton's calamitous attempt to restructure the nation's health care system, Democrats have been reluctant to propose any major health care reforms. For almost 10 years, therefore, the health-policy field has been a wide open area of opportunity for Republicans. But they too have been reluctant to act.
Aug 01, 2001
The President's Comission to Strengthen Social Security has concluded that Social Security is in trouble and needs a radical overhaul. The commission is right.
May 14, 2001
Critics on the left and right are questioning President George W. Bush's plan to make it easier for faith-based charities to compete for federal welfare funds.
Mar 14, 2001
The number of people who lack health insurance now stands at about 43 million, more than were uninsured a decade ago. Moreover the growth in the uninsured has occurred during a period when income and wealth was rising for the vast majority of American families.
Mar 05, 2001
One in four Texans does not have health insurance, the highest percentage in the nation. One reason is that a lot of families cannot afford health insurance. But many Texas families who can afford it simply choose not to buy it. As a result, many Texans are uninsured by choice.