Sukses Main Mahjong Ways Best808 Pahami Scatter dan Kombinasinya Mahjong Ways Best808 Simbol Scatter Meningkatkan Peluang Menang Kesalahan Umum Pemain Mahjong Ways di Best808 Auto Jackpot Strategi Terbaik Fitur Scatter Mahjong Ways Best808 Mahjong Ways Best808 Panduan Scatter Wild Hasil Maksimal Pola Mahjong Ways Best808 Gacor Scatter Menang Bongkar Misteri Mahjong Ways Best808 Kunci Kemenanganmu Mau Cuan Maksimal di Mahjong Ways Best808 Trik Menggunakan Scatter Agar Lebih Untung Main Mahjong Ways di Best808 Kenali Pola Scatter Free Spin Gandakan Kemenanganmu Rahasia Scatter Mahjong Ways Best808 Strategi Jitu Menang Jackpot Besar Misteri Scatter Mahjong Ways Tol777 Kunci Jackpot Besar Bongkar Rahasia Mahjong Ways Tol777 Fitur Scatter Pola Menang Mahjong Ways Tol777 Simbol Scatter Kemenangan Besar Main Mahjong Ways di Tol777 Cara Memanfaatkan Scatter Strategi Mahjong Ways Tol777 Rahasia Scatter Trik Menang Jackpot Analisis Pola Permainan Mahjong Ways Keunggulan Mahjong Ways Tol777 vs Tradisional Kombinasi Simbol Tertinggi Mahjong Ways Langkah Meningkatkan Keahlian Mahjong Ways Mahjong Ways Tol777 Berbeda dari Permainan Mengapa Mahjong Ways Tol777 Diminati Dunia Optimalkan Putaran Mahjong Ways Tol777 Sejarah Mahjong Ways Tol777 dan Keunikan Simbol Mahjong Ways Tol777 dan Pemanfaatannya Strategi Lanjutan Mahjong Ways Tol777 Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Live RTP Dan Kasino Online Cara Cepat Kuasai Mahjong Ways Tol777 Mengapa Mahjong Ways Tol777 Populer Mitos & Fakta Mahjong Ways Tol777 Strategi Pemula vs Pro Mahjong Ways Teknik Profesional Mahjong Ways Tol777 Mahjong Ways Tol777: Keberuntungan atau Skill? Mahjong Ways Tol777: Tradisi dan Inovasi Panduan Mahjong Ways Tol777 untuk Pemula Rahasia Menang Mahjong Ways Tol777 Tips Efektif Main Mahjong Ways Tol777 Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online Kasino Online main mahjong ways di malam hari jackpot profit mengamati permainan mahjong ways dengan baik dan benar merasa bosan pada malam hari? coba cara bermain mahjong ways ini minum kopi memotivasi bermain mahjong ways nelayan tebing tinggi pola mahjong ways hasil mencengangkan pelajar bandung download mahjong ways peluang besar trik dan pola mahjong ways pemuda belanda tato mahjong ways mengenang jackpot satu miliar pola rtp mahjong ways terbaik resep bermain mahjong ways dengan mudah slot mahjong ways dikenal sejak abad ke-11 hingga zaman milenial video mahjong ways viral menghebohkan warga indonesia warga jayamakmur dulu diremehkan, bermain mahjong ways hidup berlimpah harta unik keren bali cendera mata mahjong ways rp100000 warga bingung merek cat dinding sama mahjong ways RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP LIVE RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor RTP Live Mesin Gachor Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Mesin RTP Live SEO Kacau Fitur Menarik Mahjong Ways BIL99 Menang Kejutan Mahjong Ways BIL99 Fitur Wajib Maksimalkan Putaran Mahjong Ways BIL99 Menang Menguasai Fitur Mahjong Ways BIL99 Menang Panduan Pemain Berpengalaman Mahjong Ways BIL99 Panduan Setiap Putaran Mahjong Ways BIL99 Strategi Unggulan Mahjong Ways BIL99 Tips Mengalahkan Lawan Mahjong Ways BIL99 Trik Ampuh Mahjong Ways BIL99 Putaran Trik Cerdas Peluang Menang Mahjong Ways BIL99

Taxes bite into Health Savings Accounts

In an article full of left-handed compliments, the San Francisco Business Times noted that Kaiser Permanente, the mother of all HMOs, has 12 percent of its members in “deductible plans” at the end of 2008 (“New health for HSAs,” Jan. 16-22 issue). The traditional Kaiser Permanente deductible is zero. Of those in such plans, 15 percent to 20 percent are in HSA-eligible, consumer-driven plans.

One or 2 percent of overall enrollment is not much, but this is Oakland-based Kaiser Permanente, whose model is the poster-child for prepaid health care. This measly level of enrollment helps to explain why California has not enjoyed the same penetration by consumer-driven plans as the rest of the country has: Only 4 percent of covered lives at the end of 2008, versus 8 percent for the nation overall.

While more businesses are looking to enroll in consumer-driven plans, Kaiser was losing customers because of its recalcitrance. Oakland’s Sterling HSA bank saw the number of new HSAs double in 2008, and balances increase by almost as much.

As we say in the capital markets, “The trend is your friend.” By changing its tax code to allow HSA deposits to be deducted from taxable income, California could catch up with almost every other state that has done so, instead of punishing its residents whose only crime is saving and spending their own health-care dollars.

(At the time of writing, the California Sick Tax Clock stood at just under $165 million. That’s the amount of money that Californians have lost to the state since 2004 in excess taxes.)

Nothing contained in this blog is to be construed as necessarily reflecting the views of the Pacific Research Institute or as an attempt to thwart or aid the passage of any legislation.

Scroll to Top