Steps For Establishing An Effective MSA Program
MSA ENDNOTES

1. Gail A. Jensen and Robert J. Morlock, "Medical Savings Accounts Deserve a Closer Look." Journal of American Health Policy, (May/June 1994), pgs. 14-23.

2. Jensen, Morlock, Op. cit.

3. Jensen, Morlock, Op. cit.

4. Duane Parde and Greg Scandlen, Medical Savings Account Floor Manual, Council For Affordable Health Insurance, (Alexandria, VA, 1994).

5. John C. Goodman and Gerald Musgrave, Patient Power: Solving America's Health Care Crisis, (Washington, D.C.: CATO Institute, 1992).

6. Stan Liebowitz, Why Health Care Costs Too Much, CATO Policy Analysis, no. 211 (WA, D.C., June 23, 1994).

7. Lise Rybowski, "Making the Case for Purchaser Freedom: How Employers are Reforming the Market for Health Care," no. 42, Midwest Business Group on Health and the National Business Coalition on Health, (July 1994).

8. See Margaret Gerteis et al., ed., Through the Patient's Eyes—Understanding and Promoting Patient-Centered Care, (San Francisco, Cal.: Jossey-Bass Publishers, 1993).

9. Henry Hazlitt, Economics in One Lesson, (New York, NY: Crown Publishers, Inc., 1979), pg. 167.

10. Alain Enthoven, "Managed Competition: An Agenda for Action," Health Affairs vol. 7:3, pgs. 25-47, (summer 1988); Paul Ellwood, The Jackson Hole Group Health Care Reform Proposals - The Series of Papers, (Jackson Hole, Wy., 1993).

11. RCW 43.72

12. Dave Cowles, "180 Degree Solution," Kibble & Prentice Seminar, (Seattle, 1994).

13. Paige T. Slaughter, "Medical Savings Administrators," Indianapolis, IN, (February 24, 1995).

14. Paige T. Slaughter, telephone interview by the author, Indianapolis, IN. (October 1994).

15. Medical Benefits 11, no. 21, pg. 2, table 1, (1994).

16. Golden Rule Insurance Company, Letter to Wall Street Journal, (June 22, 1994).

17. Jeff Singer, M.D., interviewed by the author, Valley Surgical Group, Phoenix, AZ (October 1994).

18. Ron Thompson, "Employee Benefits-A Tale of Success," (Council Grove, Kansas, 1993) See Appendix.

19. Internal Revenue Service Private Letter Case Serial Number 485212012EP; "Profit Sharing Plan and Trust — Morris County Hospital," (December 19, 1985).

20. Ken Davis, "Incentive Based Health Care Reform," presented at Washington Institute for Policy Studies Seminar—Inside Real Health Care Reform, Employee Benefits Handbook, Seattle, WA, (February 1994).

21. Steve Forbes and Forbes, Inc., personal correspondence with author, date, Forbes, Inc. Employees Handbook, (April 1994).

22. Fred Prince, personal correspondence with author, CEO Progress Sharing Company, (September 1994).

23. Spurwink School, personal correspondence with author, (January 1995).

24. Melanie Pheatt, personal correspondence with author, Quaker Oats Company, (1994).

25. Louis Tze-ching Yen, Dee Edington, and Pamela Witting, "Corporate Medical Claims Cost Distributions and Factors Associated with High-Cost Status," Journal of Occupational Medicine 36, no. 5, (May 1994).

26. James D. Gwartney and Richard L. Stroup, What Everyone Should Know About Economics and Prosperity, (James Madison Institute, 1993).

27. Gerteis, Op. cit.

28. Vera Tweed, "Medical Savings Accounts: Are They A Viable Option?" Business & Health, (Oct 1994), pg. 40-46.

29. Annette Hansell, personal correspondence with the author, Windham Hospital, Connecticut, (1994).

30. Editorial, New York Times, (August 16, 1994).

31. Intergovernmental Health Policy Project, State Health Notes 11, #181, pg. 15, (May 30, 1994).

32. Congressman Mitchell's Health Proposal, "CBO Memorandum Report," (August, 1994).

33. Iris Lav, "Medical Savings Accounts Impede Universal Coverage," Center on Budget and Policy Priorities, (Washington, DC, August 11, 1994).

34. John Burry, Medical Savings Accounts: Bad Medicine for the US Health Care System, Blue Cross of Ohio, (Summer 1994).

35. Minnesota Department of Health Study MSAs, (April 1994).

36. Gwartney, Stroup, Op. cit.

37. Mark Pauly, "An Analysis of Medical Savings Accounts: Do Two Wrongs Make a Right?," AEI Press, (Washington, DC, 1994).

38. Peter Somani, "Managed Choice—A New Proposal for Health Care Reform," Department of Health, Ohio, (April 1994).

39. "MSA-Prior Carrier Cost Comparisons 1994," Golden Rule Insurance Company, Indianapolis, IN.

40. William Allen, Technology and Health Care in an Era of Limits, (National Academy Press, 1992-date ) pgs. 79-95.

41. Article in German publication, (1959). See Appendix.

42. Testimony, House Ways and Means, Subcommitte on Health, (1975).

43. Ros Bond, Washington Health Services Commission MSA Task Force, personal communication with author, (July 1994).

44. Personal communication with WMSAP, (December 1994).

45. Health Services Commission report to Governor Lowry and the WA State Legislature 2, ch. 20, (January 10, 1995).

46. Health Services Commission Report, Op. cit.

47. Sen. John Moyer and Rep. Phil Dyer, Draft of Health Services Improvement Act 1995, State of Washington.

48. Peter Somani, Director of Health, State of Ohio, personal communication with author, (October 1994).

49. Council for Affordable Health Insurance, Alexandria, Virginia.

50. Jensen, op. cit.

Evergreen Freedom Foundation P.O. Box 552, Olympia, WA 98507 Phone: (360) 956-3482, Fax: (360) 352-1874 Email: effwa@effwa.org