Means-Testing Tax Credits for the Uninsured: Key Design Considerations
Avik Roy
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This is a much better approach. Insurance just needlessly drives up costs. Average employer provided insurance premium for a family in 2015 was a little over $18,000. Think about that.

https://medium.com/@wkrand/the-cheapest-way-to-guarantee-healthcare-for-all-americans-21cf71f8058c

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