Table: Two Prescriptions
Some Republicans want to shift away from employer-based health-care plans by giving individuals tax credits to buy insurance. Democrats want to stick with the current employer-based system. The pros and cons:EMPLOYER-BASED INSURANCE:PRO: Companies pick up 80% of the tab. Also, employers and workers get the advantage of lower-cost group rates.CON: Many fall through the cracks, like those without jobs and at some small companies.INDIVIDUAL INSURANCE:PRO: Tax credits would allow families, including the uninsured, to buy policies tailored to their needs. Consumers buying care directly also could rein in medical inflation.CON: Workers would pay all future cost hikes. Also, if too many healthier people switched to tax credits, costs would rise for employers.