Analysis of information sources in references of the Wikipedia article "Medicare (United States)" in English language version.
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: CS1 maint: archived copy as title (link)To make the final amounts comparable to what might have been done with the tax money had it been invested privately, the institute adjusted all dollar figures at 2 percentage points above the rate of inflation. (The authors note that different assumptions for long-term returns on investment would change the results.) ... We found that, for Medicare recipients, the "worst" deal for any of these demographic groups is still quite generous. A two-earner couple, with one high earner and one average earner, who both turned 65 in 2010 would have paid $158,000 in Medicare taxes over their lifetimes, but can be expected to be the recipient of $385,000 in Medicare spending. That's a ratio of $2.40 in benefits for every dollar paid in taxes -- and that's the least generous ratio we found. ... For today's typical Medicare beneficiary, what they paid into the system represents just 13 percent to 41 percent of what they can expect to get out of it. The rest is funded by younger Americans' payroll taxes.
[...] The concern is that these public health plans will find ways to attract relatively healthier and cheaper-to-cover beneficiaries (the 'good' risks), leaving the sicker and more costly ones (the 'bad' risks) in fee for service Medicare. Attracting good risks is known as 'favorable selection' and attracting 'bad' ones is 'adverse selection'. [...]
[...] Medicare is already very complex, some say too complex. There is research that suggests beneficiaries have difficulty making good choices among the myriad of available plans. [...]
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