Let Americans Keep the Savings They Find

As candidates spend the coming months telling voters how they would transform American health care, they should not overlook reforms that could make care more accessible and affordable without requiring complex new government programs.
Millions of Americans are already trying to make their health care dollars go further. They compare prices, explore alternatives to insurance, and choose lower-cost ways to obtain prescriptions and routine care. Yet federal policies often penalize them for doing exactly what policymakers say they want consumers to do: shop carefully and choose the best value…
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