With His Health-Care Plan, Scott Walker Shows His Titanium Core By Deroy Murdock —

http://www.nationalreview.com/node/423032/print

It would offer refundable tax credits to individuals who lack employer-based coverage, “to make health insurance more affordable and portable.” These tax credits would go directly into the pockets of consumers, to help them shop for insurance “that works best for them.” Unlike Obamacare, the plan would not funnel the credits directly to insurance companies.

These tax credits are not affluence-tested. This is an unfortunate departure from the strictest free-market tenets. However, this would have the salutary effect of keeping the IRS from verifying incomes listed on insurance applications. The credits are age-adjusted, however, which makes actuarial sense.

The credits would unfold as follows:

Walker illustrates how this approach would work:

For example, a 35-year-old woman who makes $35,000 per year and has no children gets $0 in ObamaCare subsidies — she’s too young and too middle class. Under my plan, this same woman would receive a $2,100 tax credit that she could use to shop for insurance in the open market and put any savings into a health savings account.

Walker makes health savings accounts available to any American who wants one. Today’s crabbed restrictions on HSAs, included at their inception as poison pills by the late Senator Edward Moore Kennedy (D., Mass.), would vanish. Individuals could place $6,250 in HSAs annually. Families could set aside $12,500. Anyone who opens an HSA would receive a one-time refundable tax credit of $1,000. In addition to paying toward health insurance and medical procedures, HSAs would be heritable under Walker’s plan. The assets in these accounts could be passed along to children, parents, or grandparents, not just spouses. This seriously would help those of modest means care for themselves and their loved ones without government rushing breathlessly and ineptly to their “rescue.”

Americans could purchase coverage across state lines. This will expand patient choice, competition among insurers, and transparency and “require states to scrutinize the costs of their regulations.”

Medical-lawsuit reform would help lower costs and reduce litigation-driven defensive medicine. As Walker puts it, “My plan would incentivize states to pass meaningful lawsuit reform and encourage them to establish specialized expert reviews to determine if and when a doctor made a mistake, or commonsense legal defenses for doctors who demonstrate that they followed established clinical practice guidelines in a case.”

So-called association health plans would become a reality under Walker. Other than federal greed, it is difficult to imagine the argument against this simple idea:

“Obamacare hoards power at the federal level,” Walker states. “My plan would change the existing federal rules to allow for new purchasing arrangements so farmers, small businesses, religious groups, individual membership associations, and others could join together, pool members, and offer health insurance policies for the group.”

Walker’s plan also provides limited-government solutions to the challenges of preexisting conditions, Medicaid reform, and promoting state-level answers to the problems that Washington makes worse.

“Americans have been thirsting for a well-conceived conservative alternative to Obamacare for six years,” writes Jeffrey H. Anderson, health-care-policy expert and executive director of the 2017 Project. “Finally, a leading Republican has offered one.”

Walker’s specific blueprints on taxes, economic growth, education, and counterterrorism all would be welcome in the weeks ahead. And, from time to time, Walker would be wise to flash some titanium.

— Deroy Murdock is a New York–based Fox News contributor and a media fellow with the Hoover Institution on War, Revolution and Peace at Stanford University.

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