Those are some good proposals (from 2006), but how do they address the issue of rising costs? From what I can tell those bills simply shuffle the cost from the taxpayer to the government (via credits). How will that actually lower costs? Those proposals seem happy to keep the insurance monopolies in the loop and do nothing to introduce more competition into the marketplace. They also do nothing to increase efficiency of the healthcare system. I’m not a tax/econonomics expert so I’d love to be convinced otherwise.