REPUBLICAN CANDIDATES' HEALTH PLANS
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courtesy Kaiser Family Foundation, Health Policy Alternatives, Inc. http://health08.org |
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Individual Coverage |
Employer Plans |
For the Uncovered |
Private Insurance |
Financing |
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| Provide refundable tax credit to low-income individuals that could be coupled with Medicaid coverage and employer contributions. | Provide individuals without employer-based coverage a tax deduction of up to $15,000 to make insurance more affordable. Permit taxpayer to place any excess funds in HSAs to cover deductibles or other medical expenses. | Opposes government mandated insurance coverage. | Says that health care reform can be achieved “through tax cuts, not tax hikes.” | ||
| Use tax deductions and tax credits to encourage people to buy private health insurance and encourage other market-based solutions to problems of cost and access. | Provide a health insurance tax credit to low-income taxpayers. | Opposes “universal health care mandated by federal edict.” Make HSAs more widely available, not just for those who have a high deductible health plan. |
Not specified. | ||
| Advocates market-based health care, and supports allowing individuals to purchase insurance across state lines. | Supports allowing individuals to purchase insurance across state lines. | Permit insurance products offered in one state to be purchased by individuals in all states. | No provision. | ||
| Provide a tax credit of $2,500 (individuals) and $5,000 (families) to all individuals and families for the purchase of insurance. | Remove the favorable tax treatment of employer-sponsored insurance | Allow small businesses and self-employed to purchase insurance through any organization or association. | Allow individuals owning “innovative multi-year policies” that cost less than the credit to deposit the excess into expanded HSAs | Not yet specified although indicates that cost containment measures would make insurance more affordable. | |
| Allow individuals to fully deduct health care costs, including premiums, from their taxes. (Current law limits the individual deduction to those unreimbursed medical expenses in excess of 7.5% of the taxpayer’s adjusted gross income.) | Not specified. (Opposes raised taxes to help make health care more affordable.) | ||||
| Provide federal incentives for states to deregulate and reform health insurance markets to lower insurance costs and facilitate consumer choice. Identifies benefit mandates, guaranteed issue, community rating, direct access to specialists and other features as over-regulation contributing to high cost insurance. | Existing federal and state subsidies supporting uncompensated care would be redirected to provide subsidies for low-income uninsured families. States would design the subsidies and eligibility requirements. | Tax code changes to permit full deductibility of qualified medical expenses including premiums and cost sharing for those with at least catastrophic coverage. Eliminate the minimum deductible requirement for HSAs. |
Would be financed by redirecting existing subsidies for care of the uninsured. | ||
| Support Association Health Plans through pre-existing professional associations as way to reduce number of uninsured by making health insurance more affordable for small businesses. | Would “not rule out federal incentives or limited subsidies to make sure families who have fallen on hard times are not without coverage.” | No provision. | |||
| Supports tax incentives to encourage individual purchase of health insurance. | No provision. Solutions would not include raising taxes. | ||||
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