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Capping Americans' Exposure to Healthcare Risk

A public-policy whitepaper proposing a coordinated healthcare and tax-administration bargain that gives every taxpayer, spouse, and dependent a $5,000 annual ceiling on personal liability for nationally covered medical care. The framework preserves private insurance while using a separate $10,000 commercial claims attachment for federal risk sharing, removes patients from financial disputes after they reach the ceiling, converts Tax Day into an annual Household Account check-in, continuously updates withholding and benefits, and returns measurable employer health-plan savings to workers.