Regina E. Herzeinger

  • Healthy Competition

    The debate over who will pay for health care in America has recently become more heated than ever before. The only points on which doctors, insurers, and employers agree are that costs are running beyond control and that the current system is unworkable and inequitable. Americans will almost certainly have to become more aware of what their health care costs and pay a higher share themselves. Most of the proposals being discussed fall into two categories, each of which is addressed in several proposals now before Congress: establishing a national-health-insurance program ; and enlarging the current system, requiring employers to provide insurance to currently uninsured workers and the government to provide insurance to the poor unemployed. A third, less often discussed approach—creating competition by enabling Americans to shop for their own policies—is the one described in this article