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FOIA Number:
2006-0885-F
FOIA
MARKER
This is not a textual record. This is used as an
administrative marker by the William J. Clinton
Presidential Library Staff.
Collection/Record Group:
Clinton Presidential Records
Subgroup/Office of Origin:
Health Care Task Force
Series/Staff Member:
Tarmey
Subseries:
OA/ID Number:
1972
FolderlD:
Folder Title:
Golden Rule
Stack:
Row:
Section:
Shelf:
Position:
S
56
1
10
3
�®
Golden Rule
Golden Rule Insurance Company
-.:;v -^:J, ^
;t
:
O U R M I SS I O N
olden Rule
chooses to
.1
he ethical
because il is
right, not because it is
good business pi aeliee.
We value hard work and
promptness, and we are
committed to doing
things right. Our
products will provide
the customer with the
best long-term value in
the marketplace.
fi'-T
ma
Mission Statement
m
"01
i^pj^
^Af^
.....«^j^"
PHOTOCOPY
PRESERVATION
�PHOTOCOPY
PRESERVATION
GoktenRule*
Golden Rule Insurance Company
Lawrenceville, Illinois
Life-Health-Group
Edward Artidiello
Regional Sales Manager
Regional Office
Suite 145
3710 Corporex Park Drive
Tampa, Florida 33619
Telephone (813) 621-4775
WATS 1-800-950-7258
�CODER:
HEALTH CARE TASK FORCE SORTING SHEET
TYPE QF MATERIAL:
General mail
.Personal stories
Casework
Letterhead
.Offers to help
Employment
Letter Campaign
_Policy
Requests:
-speech
-meeting
Other
_Advocacy
Explanation:
ADVISORY PANEL?
physician
Jarge employers
r.n.
seniors
small business
_other health provider
other consumers
Explanation:,
PRIMARY INTEREST:
COST ISSUES
Drug Prices
Physician Fees
Hospital Fees
Unnecessary Procedures
Medical Equipment
Fraud and Abuse
.PUBLIC HEALTH/SPECIAL POPULATIONS
Prevention
AIDS
Women's Health
Immunizations
Rural
Urban
COVERAGE
Working Families
Unemployed/Low Income
Benefits
Providers
GOVERNMENT PROGRAMS
Medicare
Medicaid
Veterans
DoD
ORGANIZATION
Insurance Premiums
Insurance Reform
Insurance Pools
Boards and Oversight
INFRASTRUCTURE/WORKFORCE
Quality Assurance (Guidelines)
Administration. Reimbursement
& Patient Information Systems
Malpractice & Tort Reform
Manpower Issues (Training)
LONG-TERM CARE
MENTAL HEALTH
OTHER
Explanation:,
PLAN PREFERENCE: (Support = +; Oppose = -)
CP
SP
OP
Clinton Plan
Single Payer
Other Plan
MC
PP
CV
Managed Competition
Pay or Play
Credits, Vouchers,
Medical Savings Accts.
CA
BR
GE
Canadian
British
German
�COJVIIVIENTARY
Health Insurance That Puts
Money in Your Pocket
An idea to fix the "freebie" mentality gets national attention.
Y o u r company has just
added a new benefit for
the employees—a food
credit card. You pay for
the first $250 of your grocery bill, and then the
credit-card company pays
80 percent of the next
$5,000, then 100 percent
after that.
What do you do? Well,
you'll probably reach that
first $250 pretty quickly.
Why? Because once you
reach the first level, you
aren't spending your own
money. So why should
you care what the food
costs? Since the store is
stocking the best and the
So how do we fix it'
We need to get the
consumer's self-interest
involved in the purchase of
health care—reverse the
"freebie" mentality. And
that is what Golden Rule
has been promoting for the
last several months.
To get the self-interest
of the consumer involved
in health-care purchasing,
the federal government
needs to change the tax
law to permit Medical
Care Savings Accounts.
This is something that
could be done without
raising taxes. We would
just take the money that
much they spend?
Under Medical Care
Savings Accounts, we
would raise the deductible,
and then with the savings
realized from the lower
premium, give each employee a fund to pay for
routine medical care.
An employer now
spends on average of
$4,500 a year for a
family's health insurance.
With Medical Care Savings
Accounts, that same
amount of money would
be redistributed. The employer would take $1,500
off the top and buy a
catastrophic policy for
each employee. That
policy would begin paying when bills top $3,000,
and pay benefits up to $1
million.
The employer would
then give the employee
$3,000 in a Medical Care
Savings Account to spend
on routine medical care.
Any money not spent by
that employee would be
his or hers to keep and
would earn interest. But if
in a particular year, the
employee had $50,000 of
medical expenses, he or
she would spend the first
$3,000 out of the Medical
Care Savings Account,
then the policy would
take care of the remaining
$47,000.
And the next year, the
cycle would start again—
more money in the account and coverage from
the catastrophic policy.
Under Medical Care Savings
Accounts, we would raise the
deductible, and then with the savings
realizedfrom the lowerpremium,
give each employee a fund to payfor
routine medical care.
most expensive food and
you are buying it, food
prices will skyrocket.
As chairman of the
nation's largest writer of individual major-medical insurance, 1 can tell you that
is exactly what we have
done with health insurance
in this country. That is one
of the reasons why health
care costs so much and why
the system is in such dire
need of fixing.
72
INDIANA
BUSINESS
an employer presently
spends on insurance and
redistribute it.
Right now, most health
insurance is built around a
low-dollar deductible,
which leads to the "freebie" mentality. After the
deductible is met, consumers have no interest in
how much money they
spend because it isn't their
money. It's "free," so why
should they care how
MAGAZINE
/ Patrick Rooney,
chairman of Golden
Rule Insurance Co. in
Indianapolis, the
nation's largest writer
of individual majormedical insurance.
Since people would be
spending their own
money, they would have
an incentive to shop
around, to ask "How
much?"—because any
money they didn't spend
out of the account, they
would get to keep.
Just think of the savings
we could have. Since only
six out of every 100 people
spend more than $3,000 a
year on medical care, a lot
of people are going to be a
littlericherat the end of
the year.
The savings could be
used as a down payment
on a new house, for a
kid's education, or for
long-term care.
But that's in the future.
Right now, Medical Care
Savings Accounts have the
potential to knock a big
SEPTEMBER
1992
�chunk out of the
uninsured population.
Thirty-six million Americans don't have health
insurance. According to a
study published by Blue
Cross, 70 percent of all
uninsured will get insurance within 12 months.
Being without health insurance is a temporary
condition. Because the
Medical Care Savings Accounts belong to employees, they take the money
with them when they
leave a job. They could
use that money to pay for
insurance while they are
between jobs, so they
keep their insurance.
H.R. 5250, introduced by
U.S. Rep. Andy Jacobs, (DInd.), and cosponsored by
Rep. Dan Burton, (R-Ind.),
along with S.B. 2873, cosponsored by Republican
U.S. Sens. Dick Lugar and
Dan Coats of Indiana,
would allow employers to
give employees money in
an account and let them
keep it.
The bills would change
the "use it or lose it" rule.
Right now, employers
could set up Flexible
Spending Accounts for
their employees, but at the
end of the year if there is
money left over, the employees must use it (spend
it) or lose it (reverts to the
employer).
The present rule says to
workers: "You'd better
spend it." Guess what?
They do. We need to
change that incentive,
which is what these two
pieces of legislation
will do.
Let's give the money to
employees and reward
them for not spending it.
Who wouldn't want a
Medical Care Savings Account? •
SEPTEMBER
1 992
�THE WALL STREET JOURNAL.
© 1992 Dow Jones (3 Compear), Inc. AU Rights Raerved
TUESDAY, JANUARY 28, 1992
Give Employees Medical IRAs and Watch Costs Fall
By J. PATRICK ROONEY
In most of the discussions of how to
control the cost of health care, the most
Important managers of all are left out of
the equation-consumers.
Giving consumers an Incentive to keep
down costs Is the one sure-fire way to see
that It happens. And the best way to accomplish that is to see that they are spending their own money. We'd see medical
costs fall If consumers had Incentives to
treat their medical spending the way they
treat spending for any other good.
Here's how It would work: Employers
would give each employee an annual allowance of, say, $3,000 or so for routine
health care for him and his familycheckups, sore throats, sprained ankles,
etc. That allowance would go Into a fundcall it a medical IRA. If the employee
spent less his allowance in a given year, he
could keep it. (More on that later.) To protect the employee against the cost of medical bills above his annual allowance, the
employer would continue to buy Insurance.
Let's look at how this would work In an
average-cost-of-livlng city, such as Peoria,
111.; Scranton. Pa.; Cincinnati; or Denver.
Currently, an employer In such cities
pays an average $4,500 Insurance premium
to cover an employee and his family; the
deductible typically Is $100 to $250. The
premium for a policy with a $3,000 deductible, by contrast, would be about $1,500. The
employer could then deposit the approximately $3,000 difference In premiums Into
his employee's medical care savings account. The employee would use the money
In the account to pay for the first $3,000 In
annual health care costs for any family
member, with the rest covered by Insurance. Putting real money In the employee's medical-care savings account effectively deals with his natural fear of big
deductibles, because he will have employer-provided money sitting right there
in the account to cover the deductible.
The following year, the employee would
get an additional $3,000 or so to put into the
medical care savings account, and $3,000
or so the year after that-$9,000 in three
years; $15,000 In five years.
variety of don't-be-afrald safeguards could
be Included. It would be a small matter to
offer employees Interest-free loans until
the savings had accumulated.
One of the arguments for national
health Insurance Is. "What will I do If I
lose my Job and then don't have insurance?" If medical care savings accounts
were In general use, there would be taxfree money In the accounts to pay Insurance premiums between Jobs. Half of the
uninsured remain uninsured four months
or less and only 15% are uninsured for as
long as two years. If I lose my Job, or If I
am out on strike, there would be money In
the medical care savings account to continue my insurance.
Employers could Implement such a program today without waiting for the government to make It possible. But they're not
doing so-because current law makes the
money tax deductible only if spent by the
employer. (Some employers now offer
plans that are something like this, but
funds not spent by year's end revert to the
employer. The result Is that the incentive
Is for the employee to make sure that the
money Is spent before the end of the year,
adding pressure for ever-higher health
spending.)
It will take only a fairly simple modification to the tax law to let any money the
employee has not consumed on medical
care accumulate tax-free in a medical
IRA. No new federal bureaucracy would be
needed. Since employers are already
spending this money tax-free on Insurance
premiums, the moneyretainedin employee medical IRAs would be tax-neutral.
Such a change in the tax law would be a
Pricing Health Care
The medical care savings account
would be especially helpful to the financially stressed employee. Today, even relatively small deductibles can create a hardship for. say, a divorced woman who Is trying to raise two or three children. Insurance doesn't pay until she has paid the deductible first out of after-tax income. With
the medical care savings account, she'll
have money right there with which to pay
for the first dollar of care. The objective Is
to have her spend wisely throughout the
year, not to cause her hardships when she
has to take her children to the doctor In the
early part of the year.
For the single employee whose annua]
account deposit Is half as much, or for the
new employee who in the first few months
on the Job would not have enough savings
In the account to cover the deductible, a
godsend for small employers and their,
workers. Small employer groups-even associations of small employers-often must
pay prohibitive premiums because of high
claim costs. Examples of family premiums
in this category are $7,920 In Des Moines.
Iowa; $9,643 In Chicago; and $8,238 In
Washington.
As premiums have escalated, the
healthier groups have gradually dropped
out of the Insurance pool. The ones who
have stayed are the high users. Moderate
utilizers have either decided to go bare or.
In the case of one firm I know of, the
owner-partners have left the group and
bought individual high-deductible policies
on their own. For these firms, group Insurance Is no longer a rational purchase.
To bring health care costs under control. Insurance has to become a good-sense
product again. The combination of the
medical care savings account and high-deductible insurance would bring these costs
back Into line, and would even bring many
employers back Into the Insurance system.
As with any IRA, an employee would be
allowed to make an early withdrawal for a
nonmedical purpose (a house downpayment. for Instance). The employee would
have to pay a 10% withdrawal penalty, and
the money would become taxable Income.
Those taxes are revenue-positive. And-,
from the employee's standpoint, the money
wouldn't have been there at all without the
medical IRA. At age 59H, the employee
could begin to draw Income from the medical IRA, at which time the resulting Income would become taxable and could be
used for any purpose.
Wouldn't that be great?
�THE
COLORA
VOLUME 74, NO. 26
(USPS 154-120)
DENVER, C O L O R A D O
A U G U S T 15, 1992
Only consumers can control
spiralling health care spending
By Paul Beckner
Imagine this: Next week at work you
receive a memo explaining that you
have a new health insurance option,
called Medisave. The health insurance
deductions currently taken from your
paycheck won't change, but the company will put that money toward a
S3,000-deductible insurance policy
and also will put S3.000 into a tax-free
medical savings ac-,
count to cover the
deductible. Whatever
part of the S3.000 you
don't spend will stay in
your medical savings
account, and once the
account tops 815,000,
you can remove the
excess, pay income
taxes on it. and spend it
however you please. Paul Beckner
Keep in mind that less than 10 percent
of the population has medical bills over
S3,000 i n any one year. Sound too good
to be true? A minor change in the tax
law would make it possible — and it
would be good for the economy, too.
Many large companies already offer
their employees high-deductible insurance plans and "flexible spending
accounts" where employees can deposit tax-free dollars to cover the high
deductible. But, under today's law.
whatever the employee doesn't spend
from the flexible spending account
gets turned over to his employer at the
end of the year. The employee cannot
get the money back, or save it for future
medical expenses. It's no surprise that
few employees currently take advantage of this insurance option. The
Medisave plan is much more attractive,
because it allows employees to keep
any savings they accumulate by
spending their health care dollars
wisely.
The plan will also save money for
m a n y e m p l o y e r s . The average
employer-sponsored, low-deductible
family health insurance plan costs
S4,500 each year. Instead, the
employer could pay approximately
$1,400. which is the average annual
p r e m i u m f o r a S3,000-deductible
policy, and save the company S3,100.
After putting S3.000 i n each employee's medical savings account, the
company comes out ahead by S100 per
employee. Any firm with above average
health care costs will save even more
by adopting the Medisave plan.
Furthermore, some firms that can't
afford to offer health insurance today
may be able to offer the Medisave plan.
Small employers could simply offer the
catastrophic coverage and let employees contribute to the medical
savings accounts through deductions
from their pre-tax income. Previously
u n i n s u r e d employees would have
coverage for major medical expenses,
and their small medical bills would be
much more affordable, if paid through
the medical savings account.
Today, an uninsured person paying
state income taxes. 28 percent federal
income tax, and federal payroll taxes
must earn S1.67 in pre-tax income to
cover every after-tax dollar he or she
spends out-of-pocket on medical care.
If that income were deposited directly
into a medical savings account before
it was taxed, the entire SI.67 would be
available to pay small medical bills.
Finally, what's good for individual
consumers is also good for the economy as a whole. As easy as it might be
to blame doctors, hospitals, and
insurance companies for our skyrocketing health care costs, we have to face
the fact that the true culprit is un-
controlled consumer spending. Today,
consumers with low-deductible insurance policies often treat medical
services as if they are free, because
their insurance companies pay all
medical bills. Consumers don't ask
about health care prices, because any
search for "bargains" only produces
savings for the insurer.
The Medisave plan changes this
spending behavior. Once enrolled,
whenever consumers pay small medical bills, they see the balance in their
medical savings account drop —just as
our checking account balances drop
whenever we make purchases. Consumers will have an incentive to comparison shop and ask for price and
quality information up front when
purchasing medical services, spending
their health care dollars the way they
spend the rest of their income.
Once enough consumers begin shopping around, doctors and hospitals will
be forced to compete to offer the best
value for our health care dollar. The
National Center for Policy Analysis
estimates that cost-conscious consumers could eliminate S147 billion
from excessive national health care
spending by demanding value from all
health care providers and by purchasing only those medical services
they believe are worth the price.
Cost-conscious consumers hold the
key to controlling the growth of health
care spending. The Medisave plan introduces the cost-consciousness and
competition necessary to bring rising
health care costs under control — and
it saves money for health care consumers in the process.
Paul Beckner is president qf Citizens Jor a
Sound Economy, a 250.000-memberfree
market citizens advocacy organization
based in Washington. D.C.
�TECHNICAL CORRECTIONi His statement (about medical spending under
$3,000) should read:
"Two-thirds of a l l medical spending at present is under $3,000 per
person."
Only six out of every hundred people spend more than $3,000 for medical care in any one year, and expenditures above $3,000 represents
only 31 percent of total medical spending in most locations in the
United States — in Heartland America: Denver, Peoria, Cincinnati,
Scranton.
William Raspberry
Health Care Giveaway
The reason for America's health care crisis,
Pat Rooney insists, is not that medical care costs
too much but that we spend too much on it.
The focus on the cost of medical care, he says,
leads to proposals for imposing limits on what
doctors and hospitals can charge, which medical
procedures can be authorized (and by whom) and
other attempts to put a lid on medical bills.
Rooney, who is head of the Golden Rule
Insurance Co., says it's possible to bring down
employer-subsidized health care spending—
perhaps even bring it down dramatically—
without tinkering with the cost of individual
medical procedures.
He'd do it by giving the individual worker an
incentive to forgo unnecessary medical treatment
and to shop for the best value in cases where
treatment is necessary. Here's the proposal:
"Give each worker an allowance for medical
care that represents, say, two-thirds of the [per
capita] money the employer is now spending for
health care. Tell them that any of that money
they don't spend on health care is theirs to
keep—permanently. Then buy them an umbrella
insurance plan for the really big medical bills that
might come up: costs like injury from a bad auto
accident or heart bypass surgery or the premature birth of a child.
"Then watch the cost of medical care drop."
Rooney, who was in Washington (from Indianapolis) last week to pitch his idea to staff of
the Office of Management and Budget, offered
an example of how it could work.
An employer making annual premium payments of $4,500 per employee family (the
national average for medium-size cities)
would, under Rooney's scheme, put $3,000
into each employee's medical care bank ac-
count and let the employee pay the first
$3,000 of his own medical bills.
The remaining $1,500 of the employer's
contribution would be used to purchase an
umbrella group policy that would pay 100
percent of medical costs after the first $3,000.
(Two-thirds of all medical spending at present
is under $3,000 per family.)
It's a little like a deductible auto insurance
policy, except the employer provides the money for the deductible amount.
But here's where the scheme gets interesting.
Any of the $3,000 that doesn't get spent on
medical bills belongs to the employee. If, for
example, he has no medical costs for three years
running, he winds up with $9,000 to do with as
he pleases—whether to buy a car, make the
down-payment on a house or finance a European
vacation—with no tax liability until the money is
withdrawn for some non-medical use.
The relevant point is that it would have the
effect of containing medical care spending, now
rising at the rate of some 17 percent a year—in
part because there is little incentive for individual
policyholders to keep the costs down.
To see why this is so, Rooney suggests,
imagine that employers issued grocery credit
cards that paid 80 percent of an employee's food
bill after a $100 deductible and 100 percent after
the first $5,000. His prediction: "Grocery stores
would stock only the highest-priced food because
that is all the employees would want to buy. Why?
Because they'd be spending someone else's money. And that is why we spend so much on medical
care in the United States.
There are other details, less exciting but no
less vital to the economic and political viability
of Rooney's proposal. Since it would involve
changing the tax code (to permit employees to
pay their doctor bills with untaxed cash and
also to accumulate tax-free savings), provisions would have to be made for employees
whose companies did not offer the plan, or for
people temporarily out of work.
As clever as the Rooney proposal looks
(Rooney says he borrowed major chunks of it
from others) it looks even better when compared to the "play or pay" idea being advocated in Congress. Under that idea, employers
(including small and marginally profitable companies) would either "play" by buying health
insurance for their employees or else "pay"
with an 8 percent payroll tax to cover the cost
of Medicaid. The consequences, says Rooney,
would include unemployment (as some employers simply couldn't afford the extra costs)
and a mushrooming Medicaid, as more and
more employers found it cheaper to "pay" than
"play." But Medicaid pays only about half a
physician's normal charges—a tolerable arrangement as long as only a tenth of the
patients are on Medicaid. But what happens
when the Medicaid proportion grows? Will
more and more doctors refuse to take Medicaid patients—as many already do?
Rooney acknowledges that his proposal
could have one unfortunate side-effect: Some
people would be so seduced by the prospect of
an employer-provided bank account that
they'd forgo needed medical attention in order, say, to buy a car.
Says Rooney: "So? I have a car. Don't you?
Why should we deny anyone else the right to
make that choice?"
�WEDNESDAY, JANUARY
15,1992
Ijetoasljingtoiifast
AN INDEPENDENT NEWSPAPER
William Raspberry
Health Care Giveaway
The reason for America's health care crisis,
Pat Rooney insists, is not that medical care costs
too much but that we spend too much on it.
The focus on the cost of medical care, he says,
leads to proposals for imposing limits on what
doctors and hospitals can charge, which medical
procedures can be authorized (and by whom) and
other attempts to put a lid on medical bills.
Rooney, who is head of the Golden Rule
Insurance Co., says it's possible to bring down
employer-subsidized health care spending—
perhaps even bring it down dramatically—
without tinkering with the cost of individual
medical procedures.
He'd do it by giving the individual worker an
incentive to forgo unnecessary medical treatment
and to shop for the best value in cases where
treatment is necessary. Here's the proposal:
"Give each worker an allowance for medical
care that represents, say, two-thirds of the (per
capita] money the employer is now spending for
health care. Tell them that any of that money
they don't spend on health care is theirs to
keep—permanently. Then buy them an umbrella
insurance plan for the really big medical bills that
might come up: costs like injury from a bad auto
accident or heart bypass surgery or the premature birth of a child.
"Then watch the cost of medical care drop."
Rooney, who was in Washington (from Indianapolis) last week to pitch his idea to staff of
the Office of Management and Budget, offered
an example of how it could work.
An employer making annual premium payments of $4,500 per employee family (the
national average for medium-size cities)
would, under Rooney's scheme, put $3,000
into each employee's medical care bank ac-
count and let the employee pay the first of Rooney's proposal. Since it would involve
$3,000 of his own medical bills.
changing the tax code (to permit employees to
The remaining $1,500 of the employer's pay their doctor bills with untaxed cash and
contribution would be used to purchase an also to accumulate tax-free savings), proviumbrella group policy that would pay 100 sions would have to be made for employees
percent of medical costs after the first $3,000. whose companies did not offer the plan, or for
(Two-thirds of all medical spending at present people temporarily out of work.
is under $3,000 per family.)
As clever as the Rooney proposal looks
It's a little like a deductible auto insurance (Rooney says he borrowed major chunks of it
policy, except the employer provides the mon- from others) it looks even better when comey for the deductible amount.
pared to the "play or pay" idea being advocatBut here's where the scheme gets interesting. ed in Congress. Under that idea, employers
Any of the $3,000 that doesn't get spent on (including small and marginally profitable commedical bills belongs to the employee. If, for panies) would either "play" by buying health
example, he has no medical costs for three years insurance for their employees or else "pay"
running, he winds up with $9,000 to do with as with an 8 percent payroll tax to cover the cost
he pleases—whether to buy a car, make the of Medicaid. The consequences, says Rooney,
down-payment on a house or finance a European would include unemployment (as some emvacation—with no tax liability until the money is ployers simply couldn't afford the extra costs)
and a mushrooming Medicaid, as more and
withdrawn for some non-medical use.
The relevant point is that it would have the more employers found it pheaper to "pay" than
effect of containing medical care spending, now "play." But Medicaid pays only about half a
rising at the rate of some 17 percent a year—in physician's normal charges—a tolerable arpart because there is little incentive for individual rangement as long as only a tenth of the
patients are on Medicaid. But what happens
policyholders to keep the costs down.
To see why this is so, Rooney suggests, when the Medicaid proportion grows? Will
imagine that employers issued grocery credit more and more doctors refuse to take Mediccards that paid 80 percent of an employee's food aid patients—as many already do?
bill after a $100 deductible and 100 percent after Rooney acknowledges that his proposal
the first $5,000. His prediction: "Grocery stores could have one unfortunate side-effect: Some
would stock only the highest-priced food because people would be so seduced by the prospect of
that is all the employees would want to buy. Why? an employer-provided bank account that
Because they'd be spending someone else's mon- they'd forgo needed medical attention in orey. And that is why we spend so much on medical der, say, to buy a car.
care in the United States.
Says Rooney: "So? I have a car. Don't you?
There are other deUils, less exciting but no Why should we deny anyone else the right to
less vital to the economic and political viability make that choice?"
�What We Stand For!
1. Medical Care Savings Accounts
• Get medical care spending under control.
(Tbtal spending will be reduced by 1/3 or more.)
• Reward consumers for spending wisely.
(Money saved is yours to keep.)
• Provide funds to buy temporary insurance when between jobs.
• Pan Am workers who lost their jobs and insurance would have had a
tax-free fund to pay temporary insurance premiums.
- According to a Blue Cross study, half of the uninsured are without
insurance for 4 months or less. Money in the Medical Care Savings
Accounts can be used to buy health insurance in that period of time.
• Eliminate the yearly deductible. You have cash in your Medical Care
Savings Account to pay the first dollars of medical care.
2. T a x F a i r n e s s
• AIL Americans should be entitled to tax-free health benefits •not just Americans who work for wealthy corporations.
- For those who do not have taxable income, like the widow and
student, there should be a refundable tax credit.
- It is estimated that equal tax treatment for all will enable another
10 million Americans to have health insurance. (See Washington Post.
January 13, 1992, page A4.)
3. A Tax Cap
• Cap the tax deductibility of health insurance.
- When there is absolutely no limit on the amount that can be deducted
tax-free for health benefits, wealthy corporations and their employees
have no motivation to control medical care spending. This is tax money
that should be available to the uninsured.
• The New York Times editorial. December 23,1991, says and we agree:
"Unlimited deductibility, in short, produces a system where few care
about costs - a sure ticket to inflationary disaster."
"A tax cap...the only way, other than price controls..."
Citizens for Affordable Health Care
For information call: 1-800-858-9621
�MEDICAL CARE S
�CONFUSED?
Congress is considering many health care reform proposals that are basically divided into three categories.
Those categories are: Private (market-based reforms), Mandated Employer Coverage, and GovernmentSponsored National Health Insurance. Below is a comparison of the major health care reform proposals.
MANDATED
EMPLOYER
PRIVATE
MEDICAL
Senator
CARE SAVINGS John Chaffee
ACCOUNT
Senator
Representative
George Mitchell Dan
"Play or Pay" Rostenkowski
NATIONAL
HEALTH INSURANCE
Representative
Marty Russo
$150 billion
$6 billion
$80 billion
over 5 years
first year
first year
first year
Major source
of funds
Not specified
Payroll lax
9% income surtax:
Increased
Medicare payroll
tax;
5% payroll tax;
Excise taxes;
Increased taxes
on personal,
corporate.
Social Security
Income
Deductibles
Not specified
Individual $250 Individual $250
Family $500
Family $500
None
Individual $100
Family over 2
$300
Copayment
(What you pay)
Not specified
Acute 20%
Acute 20%
None
Acute 20%
Physician visit
$5 illness
LTC 80%
of Social
Security benefits
Cap on personal
out-of-pocket
expenses
Not specified
$3000
Individual $2500
Family $3000
Not applicable
Individual $1000
Familyl2 $1500
Familyl3 or more
$2000
No
No
Yes
Yes
New taxes
Not specified
Senator
Bob Kerrey
6% payroll tax
$57lmo. health
& LTC premium
Increased taxes
on personal,
Increased
Medicare lax wage corporate.
Social Security
base to $200,000
Income
out of Medical
Care Savings,/
Outpatient drugs
Based on pari of the information published by AARP, Bulletin Vol. 33, # 1, January 1992 and Health Benefits Letter, November 29, 1991.
$246 billion
�SQLUHE
MEDICAL CARE SAVINGS ACCOUNT
An Affordable Health Insurance Plan for A l l Americans
100% Coverage for Catastrophic Care
Your employer buys a policy to protect you and your family from the expense of a major illness or serious injury.
Tax-free Medical Care for All Americans
Your employer gives you the money to pay for routine medical bills. The money goes into a
tax-free MEDICAL CARE SAVINGS ACCOUNT that you control.
No Deductibles
Your normal medical bills are paid directly from your MEDICAL CARE SAVINGS ACCOUNT.
No Paperwork
No forms to fill out. No nitpicking insurance companies to deal with.
Just You and Your Doctor
No insurance company or government bureaucrat will be able to tell you which doctor you
have to see, or what medical services may or may not be provided.
Security in Times of Economic Turmoil
Your MEDICAL CARE SAVINGS ACCOUNT belongs to you, so it goes with you if you
should change jobs, or if you should lose your job.
You Keep the Balance, Just Like an IRA
If you're like 94% of all Americans, you won't spend all the money that's put into your MEDICAL CARE
SAVINGS ACCOUNT. So you keep it and can invest it just like an IRA. Or if you need money to pay for
your children's college education, or to make a down payment on a home, you can withdraw the balance, pay
the required income taxes on it.
No New Taxes
No new taxes are needed to pay for our plan. With MEDICAL CARE SAVINGS ACCOUNTS, you get Vi of
the money your employer is now spending on health insurance. You pay for the routine care with this money
and you keep what you don't spend in your MEDICAL CARE SAVINGS ACCOUNT.
I F YOU L I K E OUR SOLUTION A N D W A N T MORE INFORMATION
CALL 1-800-858-9621
Paid for by Citizens for Affordable Health Care with financial assistance from Golden Rule Insurance Company.
�QIMTONS
^ANSWERS
How do we pay
for Medical Care Savings
Accounts?
A» One of the biggest
reasons for the high cost of
health insurance is the high
cost of processing small
claims. It's actually cheaper
for your employer to buy
you a catastrophic policy
and give you the money to
pay for routine care. The
employer will deposit in
your Medical Account /< of
the present group health
insurance premium.
ABOUT MEDICAL
CARE SAVINGS
ACCOUNTS
Can the money
But my family
±\.m In most parts of the
USA, a family will get
$3,000 or more per year.
Q « What am I
usually spends less than
$500 a year on medical
bills. I f l get $3000 in my
medical account, what
happens to the difference?
Q
±\.» Nothing. With a
Medical Care Savings
Account, all your medical
bills are covered. There is
no deductible.
!^)» How do I profit
by this?
Almost everyone
spends less for routine care
than your employer will put
into your account. The
savings belong to you.
( ^ K How much money
do I get in my account?
A» Yes.
responsible for?
You're only
responsible for the first
$3000 of medical bills for a
family member. Beyond that,
the employer's insurance
pays 100%.
.A.* It is yours to keep.
What you don't spend is
yours.
(^)» Next year do I get
another $3000?
2
What will it cost me?
be used for dental work?
Eyeglasses?
Q
Will my taxes go up?
No. A Medical Care
Savings Account permits
your employer to transfer
to you a portion of the taxfree money that is presently
going to the insurance
company.
What happens if
I have money left in the
account at the end of
the year?
You can save the
money for your retirement,
like an IRA. Or. you can use
some of it for a down
payment on a home, to pay
for a college education, or
for anything else. In that case
you have to pay required
taxes on withdrawals.
A.
Yes. And each year
after that.
The second year we
only spend $500. Do we
get to keep the rest?
A« Yes.
What happens if I
lose my job?
A.» The money in the
Medical Care Savings
Account can be used to buy
health insurance until you
join a group plan with a new
employer.
What happens if I
change jobs?
.A« The money in the
Medical Care Savings
Account is yours from day
one. If you change jobs, you
keep your money.
( ^ K I'm a single
working parent and
money is tight. What
happens if I can't afford
to pay the $100 or $200
up-front deductible health
insurance usually
requires?
A»
With the Medical
Care Savings Account,
you'll have money right
there with which to pay for
the first dollar of medical
care.
MEDICAL CARE
SAVINGS ACCOUNT
An Affordable Health Insurance Plan
For All Americans
�3>13H dNVIS
HOVlSOd
SSVHD ISHIJ
33Vld
0
ft
MEDICAL
FTV
C A R E
1I k*-\
SAVINGS
r ACCOUNTS
�Current Employer-Provided
Health Insurance
All the money that employers spend on health insurance for their employees goes directly to the
insurance company. In return, employees get a $250 or $500 deductible health insurance policy.
Medical Care Savings Accounts
The Legislation
The current tax law prevents employersfromdoing this now because any money given to the
employee in a Flexible Spending Account must be spent by the end of the year or it must revert to the
employer.
The proposed legislation would change the "use-it or lose-it" rule under Flexible Spending Accounts.
The proposed legislation would change the tax law to permit tax-free Medical Care Savings
Accounts and to allow any money not spent to be rolled over into a Medical IRA.
�Medical Care Savings Accounts
The DATA*
In Heartland America, 6% of the insured persons have claims above the $3,000 level. In Chicago,
8.5% of the insured persons have claims above the $3,000 level.
•
In Heartland America, 31% of all medical care spending is over the $3,000 level. In Chicago, 38% of
all medical care spending is over the $3,000 level.
•
Medical Care Savings Accounts have the potential to reduce medical care spending by one-third.
Both the employer and employee benefit from the savings.
•
Claims paid by the employee out of Medical Care Account have no administrative overhead for
claim administration for the insurance company.
*Claim distribution analysis is based on work done by Tillinghasl. one of the nation's leading actuarial firms.
Medical Care Savings Accounts
With Medical Care Savings Accounts, all the money that was previously going to an insurance company will be
redistributed. Here's how it works:
•The employer would buy a high deductible catastrophic health insurance policy.
•Out of the money saved from the lower premium, the employer would then give the employee a
yearly allowance ($2,000 or $3,000) to pay for the low dollar claims.
•Any money not spent by the employee would be theirs to keep and would roll over into a medical
IRA.
•Any year the allowance ($2,000 or $3,000) is used up, the insurance policy would kick in.
�Medical Care Savings Accounts
Ha.nOft Deductihle
Average EmployerProvided Family Plan*
High-Deductible
Catastrophic Policy
Money that employee could
get to pay routine medical bills
Savings for employer
Heartland America
Chicago
$4,500
$6,000
$1,395
$2,280
$3,000
$ 105
$3,000
$ 720
Heartland America includes Denver, Peoria, Cincinnati, Scranton, Louisville, Little Rock, Dayton, Nashville, Des Moines, Oklahoma
City, Minneapolis, Omaha, Memphis, and St. Louis.
Chicago is an illustration of a higher cost area.
'Plan includes cost containment provisions (precenification of specified services and inpatient slays, concurrent review, and large case management) and preventive services.
Medical Care Savings Accounts
The Benefits
1.
2.
3.
4.
Gets medical care spending under control. Employees have an incentive to spend wisely on
medical care, because what they don't spend they get to keep permanently.
Benefits financially stressed employees. Presently, financially stressed employees have a lot of
out-of-pocket expenses before they receive any benefits from the insurance policy. With Medical Care Savings Accounts, the money is in the account to pay for routine medical bills.
The accounts are portable. According to a recent study published by Blue Cross, 50% of the
uninsured are uninsured for four months or less - and only 15% are without insurance for as
long as two years. Money in the account can be used to continue health coverage when people
are laid off or on strike.
Creates savings.
�Clinton Presidential Records
Digital Records Marker
This is not a presidential record. This is used as an administrative
marker by the William J. Clinton Presidential Library Staff.
This marker identifies the place of a publication.
Publications have not been scanned in their entirety for the purpose
of digitization. To see the full publication please search online or
visit the Clinton Presidential Library's Research Room.
�...covering
state,
federal
and private-sector
developments
in health
benefits
reform
"Stealth" Proposal Wins Bipartisan
Support—Medical Savings Accounts
by Victoria C. Craig
The 102nd Congress adjourned last
week without sending any major
health care legislation to the President. Congress wasn't inactive—
members introduced hundreds of
health care bills this year—but no
major proposal garnered sufficient
backing. Health care continues to be a
primary issue in the Presidential race.
While the more radical health care
bills were getting media attention, one
less-talked-about proposal actually
managed to capture the support of a
wide range of conservatives and liberals. Republicans and Democrats—
medical savings accounts. In fact,
medical savings accounts, or MSAs,
could be called the "stealth proposal"
of health care, with Democrats and
Republicans in both houses finding
common ground in their battle to reformtheU.S.healthcaresystem. When
Congress adjourned, 178 members
supported one or more of the 9 MSA
bills introduced this year. (See table
on pages 4 & 5.)
Medical savings accounts are tax-deferred accounts set up to pay for routine medical care and to allow for the
build up of savings to pay future
medical expenses. MSAs allow employers, self-employed individuals,
and others to purchase a high-deductible insurance policy and put the
premium savings into a medical savings account to pay for routine medical care. The funds in an MSA belong
to the insured and, if not spent, accumulate over time as savings,
prefunding future health care needs.
before MSAs can be offered as taxdeferred savings accounts. Although
the MSA proposals introduced in this
year's Congress vary, the proposals
all intend for MSAs' unique features
to:
economic incentive for either patients
or providers to keep costs down or to
reduce unnecessary care. And the
people who pay for health care (insurers, third-party administrators) are
removed from the decisions to seek or
provide care. As a result, costs continue to rise at an alarming rate.
• Strengthen the relationship between
patient and primary physician;
• Reduce administrative costs by not When costsrise,more individuals can
having insurers process small claims; no longer afford to purchase their own
• Put insurance companies back into health care coverage. They may fear
the business of providing traditional leaving a job where they have emindemnity insurance; and
ployer-provided coverage, locking
• Bring market forces back into the them into jobs that they might otherhealth care system.
wise choose to leave.
The primary reason that health care is
so expensive today is that there is no
Medical savings accounts would
eliminate the "job-lock" problem and,
(please turn to page 2)
Health Care Reform and the '92
Presidential Race
by Anne Marie O'Keefe
There is a big difference between
health politics and health policies.
Health politics is what fits into ninesecond media bites. When done well,
health politics is encapsulated by
labels and symbols that convey little
new information but evoke powerful feelings by resonating with universally held values.
spent a great deal of time and energy
considering health reform policies.
Hundreds of health-related bills
were dropped into the hopper during this two-year period. But in the
end, no significant health legislation
wasenacted. The reasons for this are
several.
First, although 84% of Americans
think the health care system should
be fundamentally changed, they split
Health policies, by contrast, are
almost evenly when presented with
lengthy and complex. Good ones
the specific options of "play-or pay,"
are based on extensive research,
single-payer, or tax-credit apanalysis, and study. They take a
proaches to reform. The same conlong time and require a lot of comsensus on the problem, and dissenpromise.
sion on how to solve it, describes
both
the House and the Senate.
Federal approval is still necessary Members of the 102nd Congress
(please turn to page 3)
Volume 2, Number 37 © 1992 Scandlen Publishing, Inc., Alexandria, VA 22320
October 23, 1992
�•
"The Medical Cost Containment Act of 1992"
The one with Medical IRAs
Background:
America is spending too much on medical care.
Last year the Congressional Budget Office said, "A major reason for high and rising
health costs is the failure of the normal discipline of the marketplace." As soon as we get
through the deductible, all of us are spending somebody else's money. We have no
motivation to control the spending.
We need to let the American people spend their own money, at least on the low dollar
claims. Medical IRAs will do that without financial hardship.
Medical IRAs — Here's how it works:
Employers would take the money that they are presently spending on health insurance
and redistribute it. Instead of buying a low dollar deductible policy for employees,
employers would buy a high deductible catastrophic policy. Employers could then give
the employees tax-free money in a medical IRA to spend on medical care.
Currently
Typical cost of employer-provided
family health plan. Employees are
paying part of this cost.
Heartland
America
Chicago
41
$4,500
$6,000
With Medical IRAs
Cost for catastrophic insurance coverage
of medical expenses above $3,000
(coverage to $1 million)
$1,500
$2,500
Medical IRAs - for medical
expenses up to $3,000
$3,000
$3,000
Savings for employer
$ 500
•Heartland America Includes Peoria, Cincinnati, Scranton, Louisville. Little Rock. Dayton, Nashville,
Des Moines, Oklahoma City. Minneapolis, Omaha, and Memphis.
The employee would have $3,000 in a personal Medical IRA to pay for medical care. If
that isn't enough, the catastrophic policy would cover expenses above that amount. But,
if it was enough, employees would keep what was left, and the money would earn
interest.
What's the chances for savings? Pretty good, since in most of America only 6 out of 100
have over $3,000 in medical expenses.
We need to change the tax law to allow employers to give their employees $3,000 in a
medical IRA to pay for medical care - or save.
Congress should pass The Medical Cost Containment Act of 1992...NOW!
Turn the page for your benefits
�Administrative Savings
Insurance Between Jobs
No Deductible For Tou
Personal Savings
America will spend $817
billion on health care
this year.
According to a study
published by Blue Cross.
70% of the 36 million people
who don't have insurance
will get insurance again
within 12 months.
With conventional insurance
you have to pay
$250 or $500
of your own money
before the
insurance kicks in.
Less than 10% of all
Americans spend more than
$3,000 on medical care
in a year.
If these people had tax-free
Medical IRAs. they would
have a fund to pay their
health insurance premiums
until they get on their new
employer's plan.
Because of this,
people don't get the
preventive care
they should.
$160+ billion of that is
administrative costs.
(Consumer Reports. July 1992.)
Medical IRAs
will dramatically reduce
administrative costs.
Why?
Since you are paying for the
first $3,000 of medical care,
the insurance company
doesn't have to scrutinize
every bill.
Every $50 bill you send
to an insurance company
may cost them
$50 to process.
With Medical IRAs, the bill
is sent to the insurance
company, and they debit
your account —
minimal paperwork.
Congress should pass
The Medical Cost
Containment Act
of 1992...NOW!
This would affect
25 million Americans.
We could insure them
without any additional cost
to the U.S. Treasury.
Congress should pass
The Medical Cost
Containment Act
of 1992... NOW!
With Medical IRAs.
the money would be
in the account
to pay for any medical care
you need—mammograms,
immunizations, pap smears,
and annual physicals, etc.
Congress should pass
The Medical Cost
Containment Act
of 1992... NOW!
A lot of people
will save money with their
Medical IRAs.
Think of the savings
over the years.
You could use the money
for a child's education,
a new home, or additional
retirement money.
You would just withdraw
the money, and pay normal
IRA taxes on it.
Do you save money
with your present
health insurance?
Congress should pass
The Medical Cost
Containment Act
of 1992... NOW!
�\
I
Sljc $m JJork Simes
WEDNESDAY.
MAY 6, 1992
Health Insurers Pay Bizarre Hospital Charges
To the Editor:
Blue Cross and Blue Shield can
avoid insolvency by other means than
a rate increase: it can reduce expenditures by taking a closer look at each
hospital bill before settling the claim.
Each item of a bill is paid by Blue
Cross and Blue Shield according to a
standardized schedule of prices, but
no question is raised about the necessity of the services charged.
A patient handing a signed insurance claim form to a hospital admitting nurse is handing over a blank
check. The hospital fills in the
amount. Few patients, since the money is not theirs, examine their copy of
the bill. 1 did it once.
My wife had a microscopic glass
shard in her finger tip of which she
was hardly aware. Once, visiting a
friend in a hospital, she mentioned it
to the friend's surgeon, who told her
by all means to come to the hospital
and have the shard removed.
At the appointed hour, my wife was
surprised to find herself in the presence of two surgical residents in addition to the attending surgeon and two
nurses. The cost of the operation,
which required an incision less than a
quarter-inch in the finger up under
local anesthesia, was $2,200, excluding the physician's fee. In addition,
$200 was charged for the removal of
stitches. Not a word on the bill described the nature of the operation.
My family doctor was amused by
the figures. He could have performed
the identical "operation" in his office,
he said, at a cost of $100.
I called Blue Cross and Blue Shield
and discussed the matter with a supervisor. I was disturbed by the $600
charge for the recovery room, in
which my wife spent an impatient
quarter-hour. The supervisor remained polite as I explained, but I
could detect anger in her voice. The
gist of her position was that, since 1
did not incur any costs, the matter
was not my concern.
When damage to a building or an
automobile is reported to an insurance company, it dispatches an investigator to appraise the damage before paying for the repairs. If it did
not, it would soon be out of business.
Hospitals should not be exempt from
a similar policy.
Nothing prevents Blue Cross and
Blue Shield from mailing a copy of
the hospital bill to the patient with a
request to check the nature of the
operation and the length of stay in the
hospital. A visit from a Blue Cross
and Blue Shield representative could
be helpful. Hospitals would becopme
more careful if their veracity was
questioned.
JACQUES LIWER
Holliswood, Queens, April 16, 1992
The story reported is not an
isolated incident. It happens
all the time.
The actual consumers would
buy the service for far less
than insurance companies
generally pay - if consumers
were spending their own
money and they could keep
the savings. That's the idea
behind Medical Care Savings
Accounts.
�Medical Care Savings Accounts
A Workable H e a l t h Insurance Plan For A l l A m e r i c a n s
The Medical Care Savings Account combines a savings account and a catastrophic
health insurance plan that lets you keep any money you don't spend.
•
The Medical Care Savings Account puts money in your pocket.
This is money that was previously going to insurance companies.
Each year, you get more money to put into the account.
•
The money goes into your account tax-free. You pay no taxes on
it, and the government doesn't impose new taxes on you like the
national health insurance plans will.
•
You don't fight with insurance companies and doctors over filing
claims. You pay doctors directly. More than 90% of total claims
are under $2,000 -- and you will have more than $2,000 in your
Medical Care Savings Account.
•
I f you have a $50,000 medical claim, you are covered by a
catastrophic insurance plan that will pay 100% of your medical
bills after the first $2,000 that comes out of the Medical Care
Savings Account.
•
There are no deductibles. You pay for your normal doctor bills
with money that's in your account.
•
You decide where, when, and how much of your money you spend
on medical care. Medical care spending as a whole will decrease
to the level where it should be.
•
The Medical Care Savings Accounts eliminate the fear that
many Americans have of losing their health insurance when they
lose their jobs. If you are laid off, the money in the account can
be used to buy health insurance until you join a group plan with
a new employer. In the United States, 50% of the uninsured are
without insurance for four months or less.
�The money in the account is yours from the first day i t goes into
the account. If you change jobs, you take your money with you.
You keep any money you don't spend. You can use that money as
a down payment on a house or to pay for a child's college or
invest it, just like an IRA. You only pay taxes on it when you
withdraw the money for a nonmedical purpose.
This is an example of the $2,000 health insurance plan:
Present family insurance premium
Catastrophic plan after $2,000
Medical Care Savings Account
$4,500
$1,800
$2,700
In the first year, you would have $2,700 in the Medical Care Savings Account
to pay for the first $2,000 of medical care. If you don't spend any money, you
keep it.
In five years, $13,500 would be deposited into your family's Medical Care
Savings Account. Any money you don't spend is yours to keep permanently.
Medical Care Savings Accounts
A Workable Health Insurance Plan For All Americans
�GoldenRule"
Golden Rule Insurance Company
Home Office
Golden Rule Building
Lawrenceville, Illinois 62439
Golden Rule Building
7440 Woodland Drive
Indianapolis. Indiana 46278- 1719
1
192
PHOTOCOPY
PRESERVATION
�
Dublin Core
The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/.
Title
A name given to the resource
Health Care Task Force Records
Creator
An entity primarily responsible for making the resource
White House Health Care Task Force
Is Part Of
A related resource in which the described resource is physically or logically included.
<a href="https://catalog.archives.gov/id/10443060" target="_blank">National Archives Catalog Description</a>
Description
An account of the resource
<p>This collection contains records on President Clinton’s efforts to overhaul the health care system in the United States. In 1993 he appointed First Lady Hillary Rodham Clinton to be the head of the Health Care Task Force (HCTF). She traveled across the country holding hearings, conferred with Senators and Representatives, and sought advice from sources outside the government in an attempt to repair the health care system in the United States. However, the administration’s health care plan, introduced to Congress as the Health Security Act, failed to pass in 1994.</p>
<p>Due to the vast amount of records from the Health Care Task Force the collection has been divided into segments. Segments will be made available as they are digitized.</p>
<p><a href="http://clinton.presidentiallibraries.us/items/browse?advanced%5B0%5D%5Belement_id%5D=43&advanced%5B0%5D%5Btype%5D=is+exactly&advanced%5B0%5D%5Bterms%5D=2006-0885-F+Segment+1"><strong>Segment One</strong></a><br /> This collection consists of Ira Magaziner’s Health Care Task Force files including: correspondence, reports, news clippings, press releases, and publications. Ira Magaziner a Senior Advisor to President Clinton for Policy Development was heavily involved in health care reform. Magaziner assisted the Task Force by coordinating health care policy development through numerous working groups. Magaziner and the First Lady were the President’s primary advisors on health care. The Health Care Task Force eventually produced the administration’s health care plan, introduced to Congress as the Health Security Act. This bill failed to pass in 1994.<br /> Contains 1065 files from 109 boxes.</p>
<p><a href="http://clinton.presidentiallibraries.us/items/browse?advanced%5B0%5D%5Belement_id%5D=43&advanced%5B0%5D%5Btype%5D=is+exactly&advanced%5B0%5D%5Bterms%5D=2006-0885-F+Segment+2"><strong>Segment Two</strong></a><br /> This segment consists of records describing the efforts of First Lady Hillary Rodham Clinton to get health care reform through Congress. This collection consists of correspondence, newspaper and magazine articles, memos, papers, and reports. A significant feature of the records are letters from constituents describing their feelings about health care reform and disastrous financial situations they found themselves in as the result of inadequate or inappropriate health insurance coverage. The collection also contains records created by Robert Boorstin, Roger Goldblatt, Steven Edelstein, Christine Heenan, Lynn Margherio, Simone Rueschemeyer, Meeghan Prunty, Marjorie Tarmey, and others.<br /> Contains 697 files from 47 boxes.</p>
<p><a href="http://clinton.presidentiallibraries.us/items/browse?advanced%5B0%5D%5Belement_id%5D=43&advanced%5B0%5D%5Btype%5D=is+exactly&advanced%5B0%5D%5Bterms%5D=2006-0885-F+Segment+3"><strong>Segment Three</strong></a><br /> The majority of the records in this collection consist of reports, polls, and surveys concerning nearly all aspects of health care; many letters from the public, medical professionals and organizations, and legislators to the Task Force concerning its mission; as well as the telephone message logs of the Task Force.<br /> Contains 592 files from 44 boxes.</p>
<p><a href="http://clinton.presidentiallibraries.us/items/browse?advanced%5B0%5D%5Belement_id%5D=43&advanced%5B0%5D%5Btype%5D=is+exactly&advanced%5B0%5D%5Bterms%5D=2006-0885-F+Segment+4"><strong>Segment Four</strong></a><br /> This collection consists of records describing the efforts of the Clinton Administration to pass the Health Security Act, which would have reformed the health care system of the United States. This collection contains memoranda, correspondence, handwritten notes, reports, charts, graphs, bills, drafts, booklets, pamphlets, lists, press releases, schedules, newspaper articles, and faxes. The collection contains lists of experts from the field of medicine willing to testify to the viability of the Health Security Act. Much of the remaining material duplicates records from the previous segments.<br /> Contains 590 files from 52 boxes.</p>
<p><strong><a href="http://clinton.presidentiallibraries.us/items/browse?advanced%5B0%5D%5Belement_id%5D=43&advanced%5B0%5D%5Btype%5D=is+exactly&advanced%5B0%5D%5Bterms%5D=2006-0885-F+Segment+5">Segment Five</a></strong><br /> This collection of the Health Care Task Force records consists of materials from the files of Robert Boorstin, Alice Dunscomb, Richard Veloz and Walter Zelman. The files contain memoranda, correspondence, handwritten notes, reports, charts, graphs, bills, drafts, booklets, pamphlets, lists, press releases, schedules, statements, surveys, newspaper articles, and faxes. Much of the material in this segment duplicates records from the previous segments.<br /> Contains 435 files from 47 boxes.</p>
<p><strong><a href="http://clinton.presidentiallibraries.us/items/browse?advanced%5B0%5D%5Belement_id%5D=43&advanced%5B0%5D%5Btype%5D=is+exactly&advanced%5B0%5D%5Bterms%5D=2006-0885-F+Segment+6">Segment Six</a></strong><br /> This collection consists of the files of the Health Care Task Force, focusing on material from Jack Lew and Lynn Margherio. Lew’s records reflect a preoccupation with figures, statistics, and calculations of all sorts. Graphs and charts abound on the effect reform of the health care system would have on the federal budget. Margherio, a Senior Policy Analyst on the Domestic Policy Council, has documents such as: memoranda, notes, summaries, and articles on individuals (largely doctors) deemed to be experts on the Health Security Act of 1993 qualified to travel across the country and speak to groups in glowing terms about the groundbreaking initiative put forward by President Clinton in his first year in the White House. <br /> Contains 804 files from 40 boxes.</p>
Publisher
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William J. Clinton Presidential Library & Museum
Identifier
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2006-0885-F
Text
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Paper
Dublin Core
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Title
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Golden Rule
Creator
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Task Force on National Health Care
White House Health Care Task Force
Marjorie Tarmey
Identifier
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2006-0885-F Segment 2
Is Part Of
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Box 42
<a href="http://clintonlibrary.gov/assets/Documents/Finding-Aids/2006/2006-0885-F-2.pdf" target="_blank">Collection Finding Aid</a>
<a href="https://catalog.archives.gov/id/12092971" target="_blank">National Archives Catalog Description</a>
Provenance
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Clinton Presidential Records: White House Staff and Office Files
Publisher
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William J. Clinton Presidential Library & Museum
Format
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Adobe Acrobat Document
Medium
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Preservation-Reproduction-Reference
Date Created
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2/6/2015
Source
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42-t-12092971-20060885F-Seg2-042-017-2015
12092971