Sally C. Pipes is president, CEO, and the Thomas W. Smith fellow in healthcare policy at the Pacific Research Institute. Her latest book is False Premise, False Promise: The Disastrous Reality of Medicare for All, (Encounter 2020). Follow her on Twitter @sallypipes.
Democrats support a greater role for government in the provision of—and payment for—health care. Republicans generally push for deregulation, consumerism, and competition.
That would be a mistake. Like all policies that give patients control over their health benefits, ICHRAs will help employers and employees get better value for their healthcare dollar., according to the U.S. Census Bureau—get health insurance through their employer. But this employer-sponsored system isn't perfect. For starters, people risk losing their insurance when they lose or change their jobs.
This is more than just a matter of convenience. One study found that expanding the number of insurance options available offers enrollees the savings equivalent of aBut not everyone sees it this way. Where Republicans see ICHRAs as a way to give employers and employees more insurance choices, Democrats tend to view them as a tool for employers to get out of offering health coverage to employees.
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