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How to Make Health Insurance Affordable and Attractive: Lessons for the Senate

A big problem with the health bill currently before the Senate is that very few low-income people would purchase any plan, according to the Congressional Budget Office.

Unlike the House version, the Senate bill caps the amount of premium for someone at the poverty level at 2.4% of income. In theory, this means that a family of three coming off Medicaid would face a premium of less than $500 for private coverage. But since the deductible would exceed $6,000, this is like not having health insurance at all for a young, healthy family.

How can we make health insurance affordable and attractive at the same time for these families?

John C. Goodman is a Senior Fellow at the Independent Institute, President of the Goodman Institute for Public Policy Research, and author of the widely acclaimed Independent books, A Better Choice: Healthcare Solutions for America, and the award-winning, Priceless: Curing the Healthcare Crisis. The Wall Street Journal and the National Journal, among other media, have called him the “Father of Health Savings Accounts.”

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A BETTER CHOICE: Healthcare Solutions for America
Obamacare remains highly controversial and faces ongoing legal and political challenges. Polls show that by a large margin Americans remain opposed to the healthcare law and seek to “repeal and replace” it. However, the question is: Replace it with what?

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