I actually think there should be a tax deduction added for people that pay for their insurance out right. To match what employer sponsored plans get. But just make it equal, that the amount can be a deduction only. No free handouts!
Or make none of it tax-deductible. The free market should be working without government interference.
The purpose of the tax credit is to make it more equal. Allowing them to buy through a Co-op in bulk like the big companies do would be a equalizer without involving taxes. Taxes have no business being part of a healthcare bill When it’s included it does become Obamacare light
If employers use the insurance as a part of wages, give the employees the higher wage and then EVERYONE will pay for their own insurance. I am ALL for that open up markets across state lines and we all buy our own!! I have employer funded health care through the union ( I HATE unions) I would be very willing to pay for my own healthcare and they could give the cost of my healthcare in wages instead, they give up their tax credits and I have NO tax credits as well!! Sounds fair to me open market system!!! Under these circumstances there would be a HELL of a lot of people shopping for insurance and BOY those costs would come down immediately!!!