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Guest Essay

By Peter R. Orszag

Mr. Orszag is the chairman and chief executive of Lazard. He was a director of the Office of Management and Budget in the Obama administration.

The health care reform debate has become — already was — a game of hot potato among individuals, insurers and the government over who pays. Last week, two competing plans failed to pass in the Senate: Democrats want to extend Obamacare subsidies for three years; Republicans want to directly fund health savings accounts.

But the real solution to rising premiums isn’t backstopping Obamacare or haggling over what might replace it........

© The New York Times