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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 . Life-Saving Innovations. New treatments Error reduction

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Personal Medical Accounts: An Alternative to Compulsory Health Insurance

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  1. 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

  2. Life-Saving Innovations • New treatments • Error reduction • Secure health insurance • Greater accessibility • Electronic medical records • Coordinated care • Effectiveness research

  3. Source: Cato Institute

  4. Source: Institute of Medicine

  5. 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”

  6. 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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