Key elements of AdvaMed's plan are designed to provide a broadly supported, nonpartisan approach to improving the health care system, including:

-- The opportunity for all Americans to purchase insurance coverage meeting minimum federal standards. To assure that coverage is affordable, the individual's financial responsibility for paying premiums would be capped at a reasonable percentage of income that will be lowest for low income individuals and families and rise as income rises. Any differences between the cost of coverage and an individual's obligation to pay will be made up by subsidies in the form of refundable tax credits. Medicaid will continue to be an option for low-income and disabled populations, and the disabled not eligible for Medicaid will have the opportunity to buy wrap-around Medicaid or equivalent coverage to meet their special needs.


States will be responsible for structuring the private insurance market to assure that individuals have a choice of coverage meeting national standards and encouraged to establish insurance mechanisms that assist small business offering coverage to provide a choice of options to their employees.

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