NCPA - National Center for Policy Analysis


August 26, 2008

Rising health care costs are taking a growing toll on America's families and businesses, making it difficult for them to keep their coverage.  High costs also continue to put health insurance out of reach for tens of millions of people who are uninsured.  Unless we comprehensively address the underlying crisis of spiraling health care costs, we will not be able to truly address the important issue of the uninsured, says Jay Khosla, Health Policy Advisor for John McCain 2008.

The key to real reform is not to hand more control of our health care system to government bureaucrats through national plans or mandates but to make health care more affordable and give Americans more choice:

  • Estimates show that the McCain plan would reduce the uninsured by 25-30 million.
  • The McCain plan rewards quality, promotes prevention and pushes for better care of those with chronic illnesses.
  • By paying for quality we will encourage more efficient and better coordinated care and reduce waste.

The McCain plan simply aims to bring equity and choice to our health care system, including allowing American families to keep their current coverage, says Khosla: 

  • The McCain plan gives American families a $5,000 refundable tax credit ($2,500 for individuals) to give them more choices to purchase portable coverage that would stay with them from "job-to-job or "job to home."
  • His plan directly and comprehensively addresses the single biggest threat to employer-sponsored insurance (ESI) -- rising costs.
  • The Obama plan, on the other hand, imposes an expensive employer mandate that would push more than 50 million Americans from private employer coverage into the new big government plan.

John McCain will work with states to establish "Guaranteed Access Plans" (GAP), with reasonable premium limits and subsidies to those with low income, to ensure that Americans, who simply because of a pre-existing condition cannot find coverage, have access to quality and affordable coverage, says Khasla.

Source: Debate: Jay Khosla and David Cutler, "Health Care: How Involved Should the Government Be?" Wall Street Journal, August 25, 2008.

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