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	<title>Cato @ Liberty &#187; health care funds</title>
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		<title>Don&#8217;t Fear the Freedom, Higher Ed!</title>
		<link>http://www.cato-at-liberty.org/dont-fear-the-freedom-higher-ed/</link>
		<comments>http://www.cato-at-liberty.org/dont-fear-the-freedom-higher-ed/#comments</comments>
		<pubDate>Wed, 29 Jul 2009 17:31:12 +0000</pubDate>
		<dc:creator>Neal McCluskey</dc:creator>
				<category><![CDATA[Education and Child Policy]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[colleges]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[consumer driven health insurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[health care benefits]]></category>
		<category><![CDATA[health care debate]]></category>
		<category><![CDATA[health care funds]]></category>
		<category><![CDATA[health insurance plans]]></category>
		<category><![CDATA[health savings]]></category>
		<category><![CDATA[health savings account]]></category>
		<category><![CDATA[health savings accounts]]></category>
		<category><![CDATA[higher ed]]></category>
		<category><![CDATA[medical expenses]]></category>

		<guid isPermaLink="false">http://www.cato-at-liberty.org/?p=8335</guid>
		<description><![CDATA[<p>By Neal McCluskey</p>It&#8217;s not often that I can transition from my education beat to other hot topics, but an Inside Higher Ed story on colleges&#8217; health-care benefits includes this little nugget: One trend documented in the survey that may concern many employees is the increase in &#8220;consumer driven&#8221; health insurance plans by colleges. These typically involve employees [...]<p><a href="http://www.cato-at-liberty.org/dont-fear-the-freedom-higher-ed/">Don&#8217;t Fear the Freedom, Higher Ed!</a> is a post from <a href="http://www.cato-at-liberty.org">Cato @ Liberty - Cato Institute Blog</a></p>
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			<content:encoded><![CDATA[<p>By Neal McCluskey</p><p>It&#8217;s not often that I can transition from my education beat to other hot topics, but an <a href="http://www.insidehighered.com/news/2009/07/29/benefits"><em>Inside Higher Ed</em> story </a>on colleges&#8217; health-care benefits includes this little nugget:</p>
<blockquote><p>One trend documented in the survey that may concern many employees is the increase in &#8220;consumer driven&#8221; health insurance plans by colleges. These typically involve employees setting up tax-free accounts to pay for some care, and then high deductibles for major medical expenses. This year, 17 percent of colleges were offering the plans, up from 11 percent two years ago.</p></blockquote>
<p>So what&#8217;s so terrible about &#8220;consumer driven&#8221; health care, which from the article sounds like <a href="http://www.cato.org/pub_display.php?pub_id=5482">health savings accounts </a>? The story doesn&#8217;t say &#8212; nor does it give any details on who puts the money into the accounts or other minimally useful info &#8211; it just suggests that employees should be a little scared of controlling their own health care funds. </p>
<p>Unfortunately, this kind of reflexive fear of markets and freedom is a hallmark of both education and health care debates, so this thoughtless little passage hardly comes as a surprise. But I want to help <em>Inside Higher Ed</em>: If you folks want to be informed next time you cover health care, give <a href="http://www.cato.org/people/michael-tanner">these</a> <a href="http://www.cato.org/people/michael-cannon">guys </a>a call. They&#8217;ll be more than happy to help you, just as I am with all of your education-related needs!</p>
<p>Operators, as they say, are standing by&#8230;</p>
<p><a href="http://www.cato-at-liberty.org/dont-fear-the-freedom-higher-ed/">Don&#8217;t Fear the Freedom, Higher Ed!</a> is a post from <a href="http://www.cato-at-liberty.org">Cato @ Liberty - Cato Institute Blog</a></p>
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