NCPA Commentaries by John C Goodman

Dr. John C. Goodman, President and founder of the NCPA, is known as the father of Medical Savings Accounts and was dubbed by National Journal as "A winner of the devolution derby." He is an expert on tax, welfare, Social Security and health care reform. Dr. Goodman has testified before Congressional committees and regularly briefs member of Congress on these issues.

  • Oct 24, 2006

    What Is Consumer-Directed Health Care?

    To control health care costs, someone must choose between health care and other uses of money. The value of most health care is experienced subjectively, as is the value of other goods and services.

  • Sep 06, 2006

    Uninsured? So What?

    Virtually everyone in the "deploring" business points out that most of the uninsured have low incomes, hoping to invoke our sympathy. But this fact is misleading.

  • Jan 30, 2006

    Making Health Insurance Portable

    One of the strange features of the U.S. health care system is that the health plan most of us have is not a plan that we chose; rather, it was selected by our employer.

  • Dec 05, 2005

    Time, Money and the Market for Drugs

    Americans spend more than $234 billion a year on legally purchased chemical entities. Although the expense is a small part of our nation's $1.8 trillion health care bill, the dollars involved are substantial, amounting to more than $2,000 per household per year.

  • Nov 30, 2004

    Political Equilibrium and the provision of public goods

    This paper treats interest groups – people in their role as consumers of a public good and people in their role as taxpayers – as the unit of account for representative voting. Each group is allowed to make an effort to support its preferred candidate and, at the margin, the effort-benefit ratio is the political price the group is willing to pay to secure an additional dollar of benefits.

  • Aug 26, 2004

    Kerrycare: Your Money or Your Life?

    John Kerry wants your money and your life. He has proposed a bold new health plan with a 10-year cost in excess of $1 trillion, to be paid in part by rescinding President Bush's tax cuts for the highest-income taxpayers.

  • Apr 08, 2004

    Designing Ideal Health Insurance

    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.

    Click here to read the rest of the article.


  • Dec 26, 2003

    To Your Health

    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

    Drugs from Canada: A price too high?

    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

    Health Insurance Mandates Increase Costs, Uninsured

    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.

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