In 2006, the Roth 401(k) plan was introduced as an alternative to regular 401(k)s. Whereas contributions to regular 401(k)s are made with pretax dollars, Roth 401(k) contributions are made with after-tax dollars. When retirees withdraw their funds from regular 401(k)s, the contributions and accumulated earnings are taxable. But since taxes have already been paid on Roth contributions, all of the funds in the Roth account can be withdrawn tax-free. Which type of 401(k) is better?
Though talk of fundamentally reforming Medicare has been limited lately, the baby boomers' imminent retirement and the continued rise in health care costs will force Medicare back to the forefront of upcoming policy discussions.
In theory, the right to sue should ensure that injured patients receive compensation, and the adversarial justice system should ensure that only patients who are harmed by negligence receive compensation. However, the evidence suggests that the reality is far different. According to the Harvard Medical Practice Study, the vast majority of all instances of malpractice never lead to a lawsuit; of the suits that are filed, a significant number do not involve malpractice; and juries do not always make the right decisions.
To confront America's health care crisis, we do not need more spending, more regulations or more bureaucracy. We do need people, however, including every doctor and every patient. All 300 million Americans must be free to use their intelligence, their creativity and their innovative ability to make the changes needed to create access to low-cost, high-quality health care.
Dr. Thomas R. Saving is an NCPA senior fellow, and the Executive Director of the Private Enterprise Research Center at Texas A&M University. A University Distinguished Professor of Economics at Texas A&M, he also holds the Jeff Montgomery Professorship in Economics.
This study documents the public costs of high school dropouts in Texas and examines how school choice could provide large public benefi ts by increasing graduation rates in Texas public schools. It calculates the annual cost of high school dropouts in Texas caused by reduced tax revenue, increased Medicaid costs and increased incarceration costs. It then examines how competition from private schools already raises public school graduation rates and calculates the dollar value of the public benefi ts that would follow from increasing Texas's public school graduation rates by enacting even a modest school choice program.
Andrew J. Rettenmaier, Ph.D. is an NCPA senior fellow and a Executive Associate Director at the Private Enterprise Research Center at Texas A&M University.
Gerald Musgrave is president of Economics America, Inc., in Ann Arbor, Michigan. He has engaged in teaching and research at California State University, Michigan State University, the U.S. Naval Postgraduate School, Stanford University and the University of Michigan.
Devon Herrick, Ph. D., is a preeminent expert on 21st century medicine, including the evolution of Internet-based medicine, consumer driven health care and key changes in the global health market. He was among the first to identify and publish in-depth studies on medical tourism, telemedicine, and “shopping for drugs” strategies.
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President – TWG, Inc. Mr. Wright is the Chairman and CEO of Medical Cities, Inc., the Crow-Wright Company, and Managing Partner of Medical City Dallas, Ltd. He is President of …