Enacting Market Reforms

These plans rely mainly on market-based incentives and tax reforms to cover the uninsured.

    • March 25, 2009

Another group of reform plans relied mainly on market-based incentives and tax reforms to cover the uninsured. Generally speaking, these plans did not envision a substantially enlarged role for government beyond increased financing, but aimed instead to redesign and better align government subsidies and policies to promote more affordable health coverage. Mandates on individuals and firms are not featured.

Enacting Market Reforms Proposals At A Glance (PDF)To help direct people to reform plans that may be most useful to their current work, these charts categorize and compare the market reform plans developed under the Covering America Project. Users can easily access author's full proposals by clicking on their names located at the top of the charts.

Reforming the Tax Treatment of Health Care to Achieve Universal Coverage Stuart M. ButlerWould make refundable tax credits available to working households. States would get grants to expand health coverage to more residents and make insurance more affordable.

Improving Access to Health Care Without Comprehensive Health Insurance Coverage: Incentives, Competition, Choice, and Priorities Tom MillerTax credits available to all to provide 30 percent subsidy for high-deductible coverage. Strengthen safety net and establish high risk pools for the uninsurable. Strong incentives for consumers to economize.

An Adaptive Credit Plan for Covering the Uninsured Mark V. Pauly A refundable tax credit/voucher system would make some level of coverageaffordable to lower-middle income people who currently have no health insurance. Very-low-income households would initially be eligible for publicly financed zero-premium comprehensive insurance.

A Workable Social Insurance Approach to Expanding Health Insurance Coverage C. Eugene SteuerleModest, but gradually increasing, tax credit available as an alternative to a capped tax exclusion. Modest tax penalties for those not buying coverage. Employers required to offer but not pay for coverage.