Washington Post June 17, 2019
For decades, economists and health-care experts have warned about flawed incentives and rising costs in America’s system for employer-sponsored health insurance. That system, through which more than 150 million Americans get their coverage, has proven difficult to reform — until now.
Last week, the White House finalized a new rule that allows employers to fund health reimbursement arrangements (HRAs) that can be used by workers to buy their own coverage on the individual market. This subtle, technical tweak has the potential to revolutionize the private health insurance market.
Today, employer-based health coverage is a defined benefit. If — and only if — an employer buys group coverage for its employees, the value of that benefit is excluded from taxation. The...
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