An Analysis of Medical Savings Accounts: Do Two Wrongs Make a Right?
Medical savings accounts (MSAs), an alternative to conventional health insurance, are designed to offer individuals the opportunity to save money while providing greater economic efficiency in the medical care sector. However, this study argues that MSAs are unlikely to lead to efficient spending.
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Standards for Comparison and Judgment
Analysis of MSAs
Stronger AllorNothing Arrangements
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$500 deductible administrative costs after-tax dollars alternative American Enterprise Institute amount bank account behavior Cato Institute Chairman and CEO choose Congressional Budget Office current tax exclusion current tax subsidy deductible plan Director distortion earnings Economics effect employer federal income flexible spending accounts FSAs full-coverage plan full-coverage policy funds Health Reform higher deductible incentives increase individual inefficient inequitable insurance policy insurance premiums John Goodman larger deductibles less level of medical loopholes marginal tax rate maximum tax-free medical care sector medical expenditures Medical Savings Accounts medical services minimum deductible moral hazard MSA approach MSA proposal National Health Insurance Nickles bill numbers out-of-pocket cost out-of-pocket expenses Patient Power Pauly payroll taxes penalty permit person Policy Studies premium difference Professor Resident Scholar Robert Responsible National Health Senior Fellow spent on medical sumers Suppose tax advantages tax break tax credits tax deductibility tax shielded tax treatment uninsured medical expenses University Visiting Scholar