Antos Joseph, Wilensky Gail, Kuttner Hanns
American Enterprise Institute in Washington, D.C., USA.
Health Aff (Millwood). 2008 Nov-Dec;27(6):w462-71. doi: 10.1377/hlthaff.27.6.w462. Epub 2008 Sep 16.
The health reform plan put forth by Sen. Barack Obama (D-IL) focuses on expanding insurance coverage and provides new subsidies to individuals, small businesses, and businesses experiencing catastrophic expenses. It greatly increases the federal regulation of private insurance but does not address the core economic incentives that drive health care spending. This omission along with the very substantial short-term savings claimed raise serious questions about its fiscal sustainability. Heavy regulation coupled with a fallback National Health Plan and a play-or-pay financing choice also raise questions about the future of the employer insurance market.
参议员巴拉克·奥巴马（伊利诺伊州民主党人）提出的医疗改革计划侧重于扩大保险覆盖范围，并为个人、小企业以及面临巨额灾难性开支的企业提供新的补贴。该计划大幅增加了对私人保险的联邦监管，但未触及推动医疗保健支出的核心经济激励因素。这一疏漏以及所宣称的大量短期节省引发了对其财政可持续性的严重质疑。严格监管加上后备的国家医疗计划以及“参保或缴费”的融资选择，也引发了对雇主保险市场未来的疑问。
