In a recent Wall Street Journal article, the outline and objective of GOP presidential candidate and former NYC mayor Rudy Guiliani's health care plan for America. While Rudy's plan will not be formally introduced in detail until this summer, Rudy has some interesting plans.
- Moving individuals from employer-based coverage to direct-purchase coverage to give Americans more options in choosing their personal health care plans.
- Make health insurance more like car and homeowner's insurance. Even though routine check-ups would be paid out-of-pocket by the individual, Guiliani's plan is apparently including tax breaks for anybody who purchases coverage on the open market, since employer-based coverage is already provided tax-free to employees. Also, you have different plans at different costs, and if someone doesn't need certain types of coverage, they don't have to have it and they won't have to pay for it.
- This relieves some of the cost burdens of employers to cover their employees, as Guiliani believes that this plan would encourage, but not force, individuals to switch to direct-purchase plans.
- Guiliani would eliminate a lot of the state and federal mandates for minimum coverage, as some people may not want as much coverage as some states require insurance companies to provide.
I would like to see some of the details of this plan, but on the surface, it is a very interesting and appealing plan.