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Personal Medical Accounts: An Alternative to Compulsory Health Insurance. Michael F. Cannon Director of Health Policy Studies, Cato Institute, USA Seminario Internacional FIAP 2010 06 y 07 de Mayo, Viña del Mar, Chile . Life-Saving Innovations. New treatments Error reduction

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personal medical accounts an alternative to compulsory health insurance

Personal Medical Accounts:An Alternative to Compulsory Health Insurance

Michael F. Cannon

Director of Health Policy Studies, Cato Institute, USA

Seminario Internacional FIAP 2010

06 y 07 de Mayo, Viña del Mar, Chile

slide3

Life-Saving Innovations

  • New treatments
  • Error reduction
  • Secure health insurance
  • Greater accessibility
  • Electronic medical records
  • Coordinated care
  • Effectiveness research
slide10

Deamonte Driver

  • Maryland Medicaid
    • 16% of dentists accept
    • 30% of kids get dental care
  • Mother could not find dentist willing to accept Medicaid
  • Infection from abscessed tooth spread to brain
  • $250,000 spent on hospitalization, brain surgery
  • Died in 2007, at age 12 “for want of a dentist”
slide12

Designing Personal Medical Accounts

  • Financed by reduction in each worker’s tax burden
  • Investment rules similar to personal retirement/unemployment accounts
  • Funds may be used to purchase health insurance or medical care directly
  • Preserve freedom to save rather than purchase insurance
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