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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
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New treatments Error reduction Secure health insurance Greater accessibility Electronic medical records Coordinated care Effectiveness research Life-Saving Innovations
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Source: Cato Institute
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Source: Institute of Medicine
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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”for want of a dentist Deamonte Driver
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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 Designing Personal Medical Accounts
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