must be an across-the-board deductible, covering all medical expenses. However, Goodman now argues that accounts should have no deductibles or copayments. For example, employees could be given an account from which to manage all primary care. Diabetics and patients with other chronic conditions could manage their own budgets along with incentives to manage their own care. Repealing one law, blocking another In 1989, a series of NCPA studies of taxes on the elderly led to the repeal of the Medicare Catastrophic Coverage Act, an attempt to extend drug coverage to Medicare beneficiaries. This was the first repeal of a major federal welfare program in more than 100 years. Nobel Laureate Milton Friedman, the editors of The Wall Street Journal and many others credited Goodman and his coauthors with the change, citing NCPA studies and its communications efforts as the primary reasons for the policy reversal. In 1994, Hillary Clinton failed in a major effort to reform the health care system. In his book Whitewash: What the Media Won’t Tell You About Hillary Clinton, Brent Bozell says that Goodman was one of three people who were most responsible for the defeat of Hillary Care. (The other two were Sen. Phil Gramm and commentator Bill Kristol.) Reforming the health care system Health reform has been an enduring interest for Goodman. In Characteristics of an Ideal Health Care System, he identified ten ways in which government policies were creating the very problems many reformers want to solve. In Designing Ideal Health Insurance, he showed how public policies were preventing the insurance market from meeting people's needs. In the Journal of Legal Medicine, he argued for a do-no-harm approach—under which government policies that are causing problems would be repealed and replaced before any other reforms are considered. One of Goodman's reform ideas is to replace all the ways government currently subsidizes health insurance through tax and spending programs with a universal, refundable tax credit—essentially giving every citizen a fixed number of dollars for health insurance. That idea was elaborated with Mark Pauly in Health Affairs and it became the core health insurance plan endorsed by John McCain in his presidential run against Barack Obama in 2008. The legislative version of the McCain approach was introduced by Tom Coburn and Richard Burr in the Senate and Paul Ryan and Devon Nunes in the House of Representatives. Reforming Obamacare In an article at the Health Affairs