Some Republicans want to shift away from employer-based health-care plans by giving individuals tax credits to buy insurance. Democrats want to stick with the current employer-based system. The pros and cons:

EMPLOYER-BASED INSURANCE:

PRO: Companies pick up 80% of the tab. Also, employers and workers get the advantage of lower-cost group rates.

CON: Many fall through the cracks, like those without jobs and at some small companies.

INDIVIDUAL INSURANCE:

PRO: Tax credits would allow families, including the uninsured, to buy policies tailored to their needs. Consumers buying care directly also could rein in medical inflation.

CON: Workers would pay all future cost hikes. Also, if too many healthier people switched to tax credits, costs would rise for employers.

Before it's here, it's on the Bloomberg Terminal. LEARN MORE