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 Category: All > Health InsuranceHidden Health CostsMay 13, 2008
The Times' lead article, "Even the Insured Feel the Strain of Health Costs" (May 4), perpetuates the myth that employers are largely paying for their workers' health insurance. This benefit is actually part of a worker's overall compensation package, but if the employer writes the check, it doesn't show up as taxable income to the employee (courtesy of Section 106 of the Internal Revenue Code).Workers are paying their health costs now, either directly through their share of premiums, deductibles, or copayments, or indirectly as compensations diverted to this benefit rather than to cash wages. The invisibility of this part of workers' compensation packages and the hidden tax break they get to shield health insurance from income and payroll taxes cause many distortions in our health sector, including upward pressure on spending. If the tax break followed people directly, they would have more say over how this part of their pay package is being spent, and they would force the system to be more responsive to their demands for greater value and economy in their health spending and insurance coverage. Grace-Marie Turner President Galen Institute, a health and tax policy research organization Commentsanonymous at 09/20/2008 13:04:14情趣用品,情趣,情趣用品,情趣,情趣,情趣用品,情趣精品,情趣用品,情趣,AIO交友愛情館,情人歡愉用品,美女視訊,情色交友,情人用品性哥,視訊交友,辣妹視訊,美女交友,性愛,嘟嘟成人網,按摩棒,震動按摩棒,微調按摩棒,情趣按摩棒,逼真按摩棒,G點,跳蛋, 跳蛋,跳蛋,性感內衣,飛機杯,充氣娃娃,情趣娃娃,角色扮演,性感睡衣,後庭區,SM,潤滑液,情趣禮物,威而柔,香水,精油,芳香精油,自慰,自慰套,性感吊帶襪,情趣用品加盟,情人歡愉用品,跳蛋情人娜娜,情趣用品,情人節禮物,情人節,吊帶襪,辣妹視訊,美女交友,情色交友,成人交友,視訊聊天室,美女視訊,視訊美女,情色視訊,免費視訊聊天,視訊交友,視訊聊天,AIO交友愛情館,嘟嘟成人網,成人貼圖Bart Ingles at 07/25/2008 14:17:34Note that employer-provided health plans are "group plans subject to HIPAA Title I regulations."Bart Ingles at 07/25/2008 14:05:52The economic distortions are made worse by the excessive value of the tax break for most insured employees. Rather than a specific amount or percentage, the size of the tax break is an accident of an employee's marginal tax rate. For employees in the 28 percent bracket, the total federal tax break around 28 (federal income tax) + 15 (employer and employee share of FICA) or around 43 percent. For California residents, add state income ((1 - .28) x 9.3) and payroll taxes (1 or 2) to the total marginal rate, for an additional 8 percent or so. That's more than half. If implemented as a tax credit, a more reasonable reimbursement rate might be one which compensated a healthy individual for the additional premium cost that comes from participating in a group plan subject to HIPAA Title I regulations. Assuming age banding is allowed, and the group rate is 1.5 times the lowest individual rate, a credit of 33 percent would make participation a wash for the healthiest individuals in the age cohort. Of course the credit would amount to a subsidy for less-healthy individuals, just as the employer exemption does now. Add Comment |
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