NCPA - National Center for Policy Analysis

Daily Policy Digest

Health Savings Accounts Continue to Grow

One of Donald Trump's campaign promises is to make Health Savings Accounts more widely used. Unfortunately, the 2003 law which established HSAs requires they be linked with a highly regulated type of health insurance policy. Nevertheless, HSAs (which are bank accounts, not health insurance policies) are growing like gangbusters, writes NCPA Senior Fellow John R. Graham...

The Intergenerational Effects of the Trump Tax Plan

Donald Trump's tax plan will create three million new jobs and 5 percent economic growth in the first year alone, according to an analysis using the NCPA-DCGE dynamic model. But the Trump plan also increases the federal deficit over time, writes NCPA Senior Fellow Pamela Villarreal...

Puzder Pick Another Win For Trump on Health Reform

Soon after announcing his intention to nominate Tom Price, MD as U.S. Secretary of Health & Human Services, Donald Trump announced his intention to nominate Andrew Puzder Secretary of Labor. This is yet another good sign for the repeal of Obamacare, writes NCPA Senior Fellow John R. Graham...

Proposed Payday Lending Rule Will Hurt Lower-Income Consumers

The Consumer Financial Protection Bureau is a federal agency created by the Dodd-Frank Wall Street Reform and Consumer Protection Act to protect consumers from "unfair, deceptive, or abusive practices" by financial institutions. On June 2, 2016, the CFPB proposed federal regulations for the short-term loan industry. These nonbank financial services have been utilized by an estimated 5.5 percent of the population in the past 5 years, or 12 million Americans annually, to help cover unexpected expenses. The payday loan industry, valued at $46 billion, employs over 50,000 Americans, writes NCPA Research Associate Kathryn Reed...

Banning Organ Sales in Free Countries Enables Harvesting Prisoners' Organs In Unfree Ones

Two new films expose one of the most horrific markets operating today: Communist China's selling of organs harvested from prisoners of conscience. Free countries may not be able to stop this horrific practice, but they could reduce the demand for these organs by allowing free people to exercise the choice to sell their organs, writes NCPA Senior Fellow John R. Graham...

Repealing Obamacare Requires Deliberate, Thoughtful Process

The next Congress is likely to repeal Obamacare by "reconciliation," a parliamentary maneuver that allows a simple majority in the U.S. Senate to pass a bill. Otherwise, we could expect Democratic Senators to filibuster a repeal bill. However, not every jot and tittle of Obamacare can be repealed through reconciliation, which sets up a challenging couple of years (at least) for those who wish to repeal Obamacare and replace it with patient-centered health care, writes NCPA Senior Fellow John R. Graham...

The Economics of NATO Expansion

In his January 1997 State of the Union speech, President Bill Clinton lauded the expansion of the North Atlantic Treaty Organization (NATO) into Central and East Europe, saying America's "first task is to help to build...an undivided, democratic Europe." However, the president also expressed a desire to expand NATO in the hope of fostering seamless military cooperation across Europe. Twenty-five years later, there has been little discernable improvement in NATO’s military capabilities despite the addition of 12 new member nations, leaving the United States to provide most of the forces defending Europe, and to pay the tab, writes NCPA Senior Fellow David Grantham and Research Associate Christian Yiu...

Drug Affordability and the 21st Century Cures Act

The high price of new drugs has become a political hot potato. Hillary Clinton made drug affordability a part of her platform -- as did President-elect Donald Trump. To a significant degree, over-priced drugs are a problem partly caused by politicians. Congress allowed the regulatory regime at the U.S. Food and Drug Administration (FDA) to run rampant. But maybe the laws regulating drug discovery are beginning to change, writes NCPA Senior Fellow Devon Herrick in Townhall...

Obamacare IS Socialized Medicine!

The "Affordable Care Act" was poorly named; it did not make care affordable. It made health coverage semi-affordable only for those newly-eligible for Medicaid and those earning up to 250 percent of the federal poverty level. The ACA took away the right of consumers to purchase the benefit package and type of coverage they prefer. It also took away the flexibility for insurers to experiment with differing plan designs, writes NCPA Senior Fellow Devon Herrick...

Castro's Death and Cuban Health Care

The recent death of Cuban dictator Fidel Castro brought forth a grotesque encomium from the Canadian Prime Minister, Justin Trudeau, who asserted "Mr. Castro made significant improvements to the education and healthcare of his island nation." The reality is very different: Hep C is communicated by blood transfusions, patients' families have to bring their own sheets and soap to hospitals, which sometimes lack electricity, writes NCPA Senior Fellow John R. Graham...


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