Reply #4: The Heritage Foundation is concerned enough they attacked Kerry's proposal dishonestly

[karynnj]

They say that Kerry's plan will raise everyone's insurance because they ignore that he is not taxing the entire premium, but just the portion that is above some threshold. Their alternative - just to cap the amount that is taxfree would in fact do the same thing Kerry's proposal does, if you assume that the entire tax is paid by the policy holder.

They also very disingenuously say that it would apply just to private plans and not the public option. This is because they are again ignoring that Kerry's plan taxes only the amount above the average cost. The very design of the public plan means no public policies would be above the average cost. There is no intention of the public plan having gold plated options.

I hate to link to RW sources, but Heritage garbage tends to become talking points - and here they are intentionally wrong.
http://www.heritage.org/Research/HealthCare/wm2561.cfm