• John Locke Update

    Obamacare’s Latest Victims

    posted December 10, 2015 by Katherine Restrepo
    View in your browser. Obamacare’s failing co-ops (consumer-operated and oriented health plans) simply reinforce that government intervention in health care creates all sorts…
  • Research Report

    Adverse Selection: Examining the impact on North Carolina’s Health Insurance Exchange

    posted August 5, 2015 by Katherine Restrepo
    The ACA focuses on expanding coverage through a massive redistribution of wealth in the amount of $1.2 trillion over the next decade. It’s clear that low-income individuals and those with chronic conditions benefit the most from the law’s sliding scale subsidies, but market-oriented tactics can make health insurance (and more importantly medical care) more accessible and affordable and can lessen the risk for insurers to experience adverse selection.
  • Research Report

    Deregulating Health Insurance and Health Providers in North Carolina

    posted August 24, 2010 by Joseph Coletti
    North Carolina policymakers should eliminate provider licensing, certificate-of-need laws, and mandated health insurance benefits. Short of this, the state can accept alternative forms of credentialing and ensure consumers have the right to purchase optional benefits at additional cost. These regulations limit access to health care providers and health insurance by artificially constraining markets.
  • Research Report

    High-Risk Health Insurance Pools: A step towards an individual insurance market

    posted October 16, 2006 by Joseph Coletti
    Health insurance should act like insurance, not a payment plan for regular medical needs. It should also be available for individuals to purchase in a deregulated market. A high-risk pool for health insurance, as in other insurance markets, would keep premiums affordable for the small percentage of those with significant care needs without raising costs for the entire market. The state of North Carolina should finance any high-risk pool entirely through the General Fund and existing taxes, rather than assessments on insurers or other hidden taxes. Money for a high-risk pool can come from Medicaid savings.
  • Press Release

    Common-Sense Health Insurance Reform

    posted October 16, 2006
    Click here to view and here to listen to Joseph Coletti discussing this Spotlight report. RALEIGH – North Carolina could make health insurance more affordable for everyone by…
  • Research Report

    Your Health, Your Choices: Employers and the State Fail to Meet Individual Health Care Needs

    posted April 4, 2006 by Joseph Coletti
    Health care is again a top priority for most Americans. Health savings accounts offer promise and are growing in popularity among companies and individuals. Three states will soon begin consumer-directed Medicaid pilot programs. These are more realistic approaches than proposals by the NC Institute of Medicine and others to expand Medicaid or to force employers to provide health insurance. Individuals, not companies or the state, are best equipped to manage their own health care. Health care reform should start from this premise.
  • Press Release

    Put People First in Health Care Choices

    posted April 4, 2006
    RALEIGH – An expansion of the state-federal Medicaid program is a prescription for more health care problems, a new John Locke Foundation Spotlight argues. Instead, consumers should manage their own…
  • Research Report

    Health Savings Accounts: Consumer-Driven Health Care for North Carolina Public Employees and Teachers

    posted December 14, 2005 by Michael Debow
    HSAs are a form of medical savings account, similar to the now-familiar IRAs. These accounts are the property of the employee and can accumulate interest and dividends like other savings vehicles. Funds that are not used for health care-related expenses can be used for retirement living and can also be willed to one’s heirs. When combined with a high-deductible health insurance policy, an HSA replaces traditional health insurance coverage – and does so in a way that results in a more consumer-driven approach to health care.
  • Press Release

    Giving State Workers More Freedom

    posted December 14, 2005
    RALEIGH – Two years ago President George W. Bush signed legislation that made tax-free “health savings accounts” possible. With many private businesses embracing HSAs as an alternative to traditional insurance…

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