Why doesn't the government give tax deductions for self-purchased insurance like it does for employer-provided plans?
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Yes, Senator McCain proposed just such a deduction. I don't know whether it would work better or not, but a couple of things that would help would be tort reform, and not having certain things mandated that you may not want. For example, in New York State, chiropractic care must be covered, yet I have no desire for such coverage, so why must I be forced to pay for it? Also, if people wouldn't use their insurance for every little doctor visit, it might also drive the cost of insurance down.
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