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Describe regressive, proportional, and progressive

financing. Explain how each of the following is
regressive, proportional, or progressive: out-of-
pocket payments, experience-rated individual pri-
vate insurance, community-rated individual private
insurance, health insurance purchased 100% by the
employer (assuming that employees actually pay for
health insurance as explained in the text), and the
federal income tax.

User Helane
by
6.5k points

1 Answer

4 votes

Answer:

Regressive financing is when the amount of money paid increases in relation to the amount of money earned. For example, a person who earns $50,000 a year might pay 10% of their income in taxes, while a person who earns $20,000 a year might pay 20% of their income in taxes.

Proportional financing is when the amount of money paid is the same regardless of the amount of money earned. For example, a person who earns $50,000 a year might pay the same amount of taxes as a person who earns $20,000 a year.

Progressive financing is when the amount of money paid increases in relation to the amount of money earned. For example, a person who earns $50,000 a year might pay 15% of their income in taxes, while a person who earns $20,000 a year might pay 10% of their income in taxes.

Out-of-pocket payments are regressive, since the amount of money paid increases in relation to the amount of money earned. Experience-rated individual private insurance is proportional, since the amount of money paid is the same regardless of the amount of money earned. Community-rated individual private insurance is also proportional, since the amount of money paid is the same regardless of the amount of money earned. Health insurance purchased 100% by the employer is regressive, since the amount of money paid increases in relation to the amount of money earned. The federal income tax is progressive, since the amount of money paid increases in relation to the amount of money earned.

Step-by-step explanation:

User Wernzy
by
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