It just gets to a point where you stop being upset about things such as health insurance. The premiums continue to go up and the adjustment or the tax credit may increase but you still end up paying more for the next years premiums. Having health insurance is a necessity but it comes at a very high price. Many physicians do not take Medicaid or Medicaid managed plans. As a result healthcare clinics that are designed to take any and every type of health insurance just like hospitals become filled with patients who have no other medical person or facility to go to for varied conditions or illnesses. There has to be a way to provide health insurance for everyone that is affordable in that the premiums don't cost you half a paycheck or the deductible amount is not one-third of your salary. For years working individuals have been paying into the Medicare system at 1.45%. Yes it is a tax and a very small amount compared to other taxes. This sort of insurance tax should have been the type of tax plan used to develop a national healthcare system, whereby as people are taxed along with their pay, this tax overall lowers their monthly premiums and deductibles. For example while a person is employed, they are taxed at 1.60%, this means that as long as they have paid this tax during their working years, their hospital premiums are free, and they will only have to meet a minimal deductible for hospital ranging from $0-$1,000 per year depending on the kind of plan they purchase. Inclusive of this of course is medical and that deductible can range from $0-$200 per year or so which also depends on the type of plan you choose to purchase. The withholding tax is designed to offset any otherwise exorbitant premiums and deductible costs. If there were a national system that withheld insurance taxes at appx. 1.60%, insurance subscribers who are not on Medicare or Medicaid(retired, disability, disabled ect.) will be able to purchase healthcare insurance without the high premium cost that currently exists. For example: Ms. Cheap dislikes the fact that she has to pay roughly half of her paycheck due to her healthcare premiums. This of course does not include the deductible or the co-pays that must be paid with almost each physician visit. According to Ms. Cheap's salary, she really cannot afford to use the health insurance. Even if she sought out a plan that was much less on a monthly basis, there would be more of a cost as a result of the high deductible plans for each health insurance. Ms. Cheap hoped that another way of doing this would be implemented. Ms. Cheap, wanted an insurance Czar, to implement a withholding tax at a certain rate. If this were done her salary would be taxed at a very small rate and Ms. Cheap could then pay a very low amount for a yearly deductible for hospital and medical and ultimately pay a lot less for a monthly premium for the cost of a national health insurance plan. This is because the withholding tax rate subsidizes the national healthcare insurance plan to make it affordable for all of those who purchase health insurance. Since Ms. Cheap and others would be taxed according to their income, this would make health insurance affordable for working individuals. As a result of the National Health Insurance Czar's plan Ms. Cheap's health insurance plan including hospital and medical yearly cost would be about as much as her current monthly health insurance premium plan cost. Yes, there needs to be some assistance regarding the federal insurace contributions act or FICA and it would be great if there were a National Health Czar to do so!
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