What to do now on health care system reform

Article Abstract:

Health care reform that transfers ownership and control of health insurance from employers to individuals may increase the public's sense of security. Reforms should extend the tax breaks given to people who are enrolled in company-provided health care to those who obtain insurance though an alumni association, union, private insurer, or another source. This would allow consumers to determine the contents and costs of their health plan without suffering tax penalties. Insurance reform is necessary to redistribute the long-term insurance risk that now rests on individuals and families to insurers. Reforms should include limits on exclusions for preexisting conditions, renewal mandates despite changes in a policyholder's medical condition, and limits on risk factors that are used to calculate premiums. Reforms must ensure that all Americans can afford basic health care through the provision of low-income subsidies or other assistive measures.

Models, Economic aspects, Health insurance, Health care reform

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Use of health care services by lower-income and higher-income uninsured adults

Article Abstract:

The number of uninsured Americans increased by more than 6 million adults, primarily due to a decline in employer-sponsored coverage without a compensatory increase in federal- and state-sponsored coverage such as the authorization of health savings accounts through 2003 Medicare Modernization Act. Efforts to improve the use of recommended health care services among the uninsured should focus on patient education and expanding insurance eligibility for both lower-income and higher-income adults.

United States, Management dynamics, Services information, Medical Service and Health Insurance, Management, Services, Medically uninsured persons, Company business management, Health insurance industry

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