Cogan-Hubbard-Kessler (henceforth CHK) appear to think the best problem is moral threat from over-insurance, largely caused by the actual fact that the income tax permits exclusion of employer-provided health insurance but not deduction of medical expenditures, creating a motivation to over-insure. They propose to make all healthcare expenses deductible Hence, thereby externalizing the moral hazard / over-insurance problem from employer-provided healthcare to everything.
One point that doesn’t appear to have occurred to CHK is that the incentive to over-insure goes ONLY to the difference between non-deductibility and coverage at the worthiness of the income tax exclusion. Anyway, CHK want to reduce moral risk by increasing it, in the sense it gets peeled out of employer-provided healthcare since you get a federal government co-payment predicated on the MTR even if it is uninsured. However they are addressing a problem that should not can be found by their lights, given the lack of any tax motivation to go beyond the federal taxes saving in developing the co-pay. So their diagnosis must be incorrect for their prescription to appear superficially interesting.
Perhaps they would like to bring the current employer-provided healthcare system more generally crashing down, but that would strike me as a little rash and reckless. Albeit, no more so than the fiscal implications of their plan, which (in conventional Republican style nowadays) would add a vast sum to the fiscal gap.
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But who’s keeping track of anyhow? Jason’s plan is to provide refundable credits that aren’t tied to the total amount you truly pay – you obtain it for having qualifying insurance without regard to how much you pay. And that means you pay at the margin both for the amount of qualifying medical health insurance that you decide on and for outlays beyond your plan.
Hence moral threat is resolved, along with adverse selection if the program in other respects is successful. This is it for the entire year, in order the NYU Tax Plan Colloquium can be involved significantly. I’ll miss it, albeit cherishing my newfound time and freedom. Year A great, reflecting the efforts of my co-conveners (Kevin Hassett and Mihir Desai) along with the substantial contributions of both regular and sporadic attendees. We’ll be back again next January, with Alan Auerbach as my co-convener, and 13 of our loudspeakers already are set. But more on that later. Sunday I head to Israel for weekly On. I’ll be giving two talks which presumably will be listed on Tax Prof Blog.
Believe it or not, you might be able to give your brand a bit more exposure by posting content on the weekend quite. That’s particularly true if you post on Sunday. To begin with, you’re not competing with other businesses that take the weekends off. Also, there are quantities that support the importance of publishing on Saturday and Sunday. According to 1 study, 13% of posts which were published on the weekend generated the most social shares overall.
As a guideline, it’s best to post on Sunday before 8 AM and after 8 PM. There are a couple of possible reasons why those times work so well. First, in the morning when you post early, you give yourself to be able to catch early risers and people who prefer to sleep in. Later at night When you post, you can get the brand in the front of people who are checking social media before going to bed for the night time.
What is the optimum time to Post on Facebook in 2018? You’ll find so many studies that have sought to answer the question “What’s the best time to create on Facebook in 2018? ” Unfortunately, those studies don’t agree always. However, you can take a look at patterns within all the intensive research and get somewhat of a consensus.
That’s what Coschedule did. The business aggregated 23 cultural media studies to look for the best times to create on each channel. It’s a fairly exhaustive analysis. According to one research from Elle & Co., the best times to post on Facebook are Saturday and Sunday. The optimum time is 1 PM.