Ruth Ann Dailey, in her Nov. 4 column, calls for “free markets” in health care (“Sane Health Care After Obamacare Crumbles”): “Each citizen should receive a tax credit with which to purchase the policy of his or her choice independent of employment.”
That’s exactly what the Affordable Care Act does for working and middle-class families through the health insurance marketplace. The law also protects people with pre-existing conditions by ensuring access to guaranteed issue policies that are comprehensive and portable.
Ms. Dailey’s proposal to “offer incentivies to individuals … who sign advance directives” for end-of-life care was met with cries of “death panels” when it was mentioned as part of Medicare. Rather than the “incentive” being financial, it is the quality of life resulting from comfort care that is the reward for both patient and family.
I am sure employers would like to get out of the business of providing health insurance. Small employers now have the option to simply get out of the business of administering insurance by allowing employees to buy individual or family coverage through the marketplace that is portable and will continue regardless of employment status.
For the people who can get through the barrage of misinformation and philosophically partisan criticsm that permeates the health insurance discussion, better coverage from quality insurance awaits them under the new law.