Nov. 6, 2009 Rabbi Berel Wein: Choosing to hear JWisdom.com Zero to 1/60th: How to Empower An Hour with Gavriel Aryeh Sande (7 minutes) Caroline B. Glick The mullahs' big week Suzanne Fields A Fallen Wall for Fallen Man Nov. 5, 2009 The Kosher Gourmet: Three scrumptious -- but simple -- butternut squash dishes JWisdom.com Hidden Hints: Unlocking Faith & Prayer with Rabbi Jay Yaacov Schwartz (10 minutes) Nov. 4, 2009 Tom Hamburger and Kim Geiger: Should prayers be covered? JWisdom.com When God played peacemaker With Rabbi Sroy Levitansky (5 minutes) Nov. 3, 2009 Martin Peretz: Beware, Barack. Beware, Rahm. Beware, Axelrod JWisdom.com Are you are closet idolater? With Sara Yoheved Rigler (10 minutes) Nov. 2, 2009 Paul Greenberg: The Holocaust is now on Facebook JWisdom.com Abraham's Strange Change With Rabbi Yitzchok Fingerer (5 minutes) Oct. 30, 2009 Rabbi David Aaron: Secret to Immortality Caroline B. Glick Silencing dissent in America Oct. 29, 2009 Lini S. Kadaba: Do tactics avert flu or reduce humanity? JWisdom.com We Must Revamp our Religious Vocabulary With Gavriel Aryeh Sanders ( 10 minutes) Oct. 28, 2009 Rabbi Yonason Goldson: Atheists in Bubbleland JWisdom.com Why what we wear impacts who we are With Rabbis Mordechai Becher, Menachem Golberger and Aliza Bulow ( 10 minutes) Oct. 27, 2009 Paul Greenberg: The United Nations Is Outraged Again, Or: Department of Mideast Static JWisdom.com The Science of Love With Rabbi Jonathan Rietti ( 7 minutes) Oct. 26, 2009 The Jewish Ethicist by Rabbi Dr. Asher Meir: Damaging disclosures with a twist JWisdom.com Wisdom and Wonks With Rabbi Eytan Feiner ( 7 minutes) Oct. 23, 2009 Rabbi David Aaron: Are you ready for the ultimate pleasure? JWisdom.com Watermark and oneness with Rabbi Sroy Levitansky ( 4 minutes) Caroline B. Glick Stop using limited powers in a way that expands our enemies' advantages over us Oct. 22, 2009 Steven Emerson: Terror Cases Share Desire to Kill Americans JWisdom.com No More More Family Fights --- Really? By Sarah Chana Radcliffe ( 5 minutes) Oct. 21, 2009 Tonya Alanez: Holocaust denier sues survivor, calling Auschwitz memoir 'vicious lies' JWisdom.com Meditating Jewishly: A Panacea for Success by Sarah Yoheved Rigler ( 7 minutes) Oct. 20, 2009 Dennis Prager: Obama and Dalai Lama: Why Israel Worries about U.S. President JWisdom.com Abraham was not religious By Rabbi Yitzchok Fingerer ( 6 minutes) Oct. 19, 2009 The Jewish Ethicist by Rabbi Dr. Asher Meir: Q. Is nepotism kosher? JWisdom.comWhy Good People Do Bad Things By Rabbi Eytan Feiner ( 7 minutes) Oct. 16, 2009 Rabbi Yonason Goldson: The Perfect Number JWisdom.com Hearing Voices By Rabbi Sroy Levitansky ( 5 minutes) Caroline B. Glick How Turkey was lost Oct. 15, 2009 Jeff Jacoby: Peace vs. the 'peace process' JWisdom.com: Former MTV producer and stand-up comedian Rabbi Lawrence Hajioff: Taming a Control Freak (A VERY fast 15 minutes) Oct. 29, 2003 Mortimer B. Zuckerman: Graffiti On History's Walls (MUST-READ!)

Jewish World Review Oct. 20, 2008 / 21 Tishrei 5769 Healthcare shouldn't be linked to employment By Jeff Jacoby http://www.JewishWorldReview.com | The choice you'll have," said Barack Obama during last week's debate, as he told voters what to expect if John McCain's health-insurance proposal becomes law, "is having your employer no longer provide you healthcare. "Don't take my word for it," he added. "The US Chamber of Commerce, which generally doesn't support a lot of Democrats, said that this plan could lead to the unraveling of the employer-based healthcare system." If only. An end to employer-based health insurance is exactly what the American healthcare market needs. Far from being a calamity, it would represent a giant step toward ending the current system's worst distortions: skyrocketing premiums, lack of insurance portability, widespread ignorance of medical prices, and overconsumption of health services. With more than 90 percent of private healthcare plans in the United States obtained through employers, it might seem unnatural to get health insurance any other way. But what's unnatural is the link between healthcare and employment. After all, we don't rely on employers for auto, homeowners, or life insurance. Those policies we buy in an open market, where numerous insurers and agents compete for our business. Health insurance is different only because of an idiosyncrasy in the tax code dating back 60 years - a good example, to quote Milton Friedman, of how one bad government policy leads to another. During World War II, federal wage controls barred employers from raising their workers' salaries, but said nothing about fringe benefits. So firms competing for employees at government-restricted wages began offering medical insurance to sweeten employment offers. Even sweeter was that employers could deduct those benefits as business expenses, yet employees didn't have to report them as taxable income. For a while the IRS resisted that interpretation, but Congress eventually enshrined the tax-exempt status of employer-based medical insurance in law. Result: a radical shift in the way Americans paid for medical care. With health benefits tax-free if they were employer-supplied, tens of millions of Americans were soon signing up for medical insurance through work. As tax rates rose, so did the incentive to keep expanding health benefits. No longer was medical insurance reserved for major expenditures like surgery or hospitalization. Americans who would never think of using auto insurance to cover tune-ups and oil changes grew accustomed to having their medical insurer pay for yearly physicals, prescriptions, and other routine expenses. We thus ended up with a healthcare system in which the vast majority of bills are covered by a third party. With someone else picking up the tab, Americans got used to consuming medical care without regard to price or value. After all, if it was covered by insurance, why not go to the emergency room for a simple sore throat? Why not get the name-brand drug instead of a generic? Unconstrained by consumer cost-consciousness, healthcare spending has soared, even as overall inflation has remained fairly low. Nevertheless, Americans know almost nothing about the costs of their medical care. (Quick quiz: What does your local hospital charge for an MRI scan? To deliver a baby? To set a broken arm?) When patients think someone else is paying most of their healthcare costs, they feel little pressure to learn what those costs actually are - and providers feel little pressure to compete on price. So prices keep rising, which makes insurance more expensive, which makes Americans ever-more worried about losing their insurance - and ever-more dependent on the benefits provided by their employer. De-linking medical insurance from employment is the key to reforming healthcare in the United States. McCain proposes to accomplish that by taking the tax deduction away from employers and giving it to employees. With a $5,000 refundable healthcare tax credit, Americans would have a strong inducement to buy their own, more affordable, insurance, rather than relying on their employer's plan. As millions of empowered consumers began focusing on price, price competition would flourish. And as employers' healthcare costs declined, most of the savings would return to employees as higher wages. For 60-plus years, a misguided tax preference for employer-sponsored health insurance has distorted America's healthcare market. The price of that distortion has been paid in higher costs, fewer choices, and mounting anxiety. The solution is to restore market forces by fixing the tax code, and liberating Americans from an employer-based system that has made everything worse. Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. Jeff Jacoby is a Boston Globe columnist. Comment by clicking here. Jeff Jacoby Archives © 2006, Boston Globe

Arnold Ahlert  Mitch Albom  Michael Barone   Dave Barry  Tony Blankley  Andy Borowitz  David Broder  Stratfor Briefing  Mona Charen  Linda Chavez  Ann Coulter  Greg Crosby  Larry Elder  Suzanne Fields  John Fund  Frank J. Gaffney  Lloyd Garver  Jonah Goldberg  Julia Gorin  Jonathan Gurwitz  Paul Greenberg  Lewis Grossberger  Victor Davis Hanson  Betsy Hart  Nat Hentoff  David Horowitz  Laura Ingraham  Cheri Jacobus Jeff Jacoby  Paul Johnson  Jack Kelly  Ed Koch  Ch. Krauthammer  Michael Ledeen  John Leo  David Limbaugh  Kathryn Lopez  Rich Lowry  Michelle Malkin  Jackie Mason  Dick Morris  Bill O'Reilly  Jim Mullen  Clarence Page  Kathleen Parker  Dennis Prager  Wesley Pruden  Tom Purcell  Jonathan Rauch  Celia Rivenbark  Robert Robb  Cokie & Steve Roberts  Pat Sajak  Debra J. Saunders  Culture Shlock  Roger Simon  Michael Smerconish  Thomas Sowell  Mark Steyn  John Stossel  Cal Thomas  Bob Tyrrell  Diana West  Dave Weinbaum  George Will  Walter Williams  Byron York  Mort Zuckerman  Robert Arial  Chuck Asay  Baloo  Chip Bok  Dry Bones   Lisa Benson  John Branch  Gary Brookins  John Cole  J. D. Crowe  John Deering  Brian Duffy  Everything's Relative  Mallard Fillmore  Jake Fuller  Bob Gorrel  Joe Heller  David Hitch  Jerry Holber  Steve Kelley  Jeff Koterba  Dick Locher  Chan Lowe  Ranan R. Lurie  Jimmy Margulies  Rick McKee  Michael Ramirez  Kevin Siers  Jeff Stahler  Ed Stein  Danna Summers  John Trever  Gary Varvel  Kirk Walters  How 2  Lori Borgman  The Savvy Consumer  Elder matters  Fixit  Dr. Peter Gott  GET A JOB! by Marty Nemko  Richard Lederer  Tech Maven  Every Monday Matters  Nutrition Myths  Bookmark These  Bruce Williams  How Stuff Works