In 2016, I heard some “whispering” about health insurance that got my attention. Then Aetna CEO Mark Bertolini along with a representative from the Trump campaign were saying the same thing. “We need to empower consumers to control healthcare costs and get the employer out of the middle.” This stopped me in my tracks, and I proceeded to author an article and conduct webinars predicting specifically, by 2020, the purchase of an individual health insurance policy will become pre-tax. And then the Individual Coverage Health Reimbursement Arrangement (ICHRA), now promoted as the CHOICE Arrangement, became available, which essentially does that.
The main reason for this change is that there is a belief at the federal level, and amongst others like Michael Cannon of the Cato Institute and Mark Bertolini that employer-sponsored health insurance is the root cause of medical inflation. I have authored articles supporting that same idea.
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