Carriers must join together in a single group policy within each state to offer insurance for those unable to afford insurance on a sliding scale based on income, assets and liabilities. State group policies are within the regulator tory and structure control of the state. Such sliding scale is to be deter-mined by the carrier within state requirements and directly reflects their obligation in the uninsured group policy. This will guarantee no person is left uncovered where claims filed on the uninsured group are borne by all carri-ers equally, but fall under The American Health-Care Solution Contribution tax program first.

Insurance policies are sold through private agents who may offer and sell policies for all carriers within their state licensed area. Commissions are ne-gotiable between the carriers and the agents. Buyers of insurance are provided all policies, in any competing variation and may opt to purchase or not to purchase. No individual requirement is placed on any person.

Buyers are afforded the opportunity to voluntarily increase the premium paid for their selected policy by any amount they so desire. Such excess be-comes an American Health-Care Solution Contribution and is applied by the carrier to their obligation to provide the uninsured group policy. The American Health-Care Solution Contributions are 100% tax deductible. Example: A policy sold at $425 a month where the buyer opts to add an additional $100 a month results in $100 a month applied to the carrier's obligation for the uninsured policy and $100 in tax deduction is provided to the policy holder. At the end of a year of fully paid premiums, the buyer-tax payer is provided the ability to deduct $1200 from their tax obligation regardless of their income level. Overages in excess of tax obligations are not refundable.

Those persons who have not opted to acquire health insurance prior to ill-ness requiring medical expenses are responsible for the cost of those medi-cal expenses or may be provided access to state programs, Medicaid and/or Medicare whichever is applicable and THEN signed up for sliding scale American Health-Care Solution insurance coverage for future illness or well-ness treatment.

This program will insure every person in the country the ability to acquire private health insurance at competitive rates. This program will reduce health insurance costs through open market competition retaining the rights of each state to regulate its own insurance business. Policies sold to entities, such as employers or government agencies may enjoy reduced costs based on the carrier's competitive advantage but may never pay more than similar private insurance offerings. This program will completely remove the Federal Government from involvement in any way in health insurance matters. This program will take the burden off of Medicaid and Medi-care and local charitable programs by enrolling the buyer in a private policy on a sliding payment scale where costs exceeding the ability to pay are paid by 100% tax deductible contributions. Medicaid becomes a stepping stone to coverage, not a dumping ground.

A company or person contributing their entire yearly tax obligation to pay for another person's health coverage is not a loss to the nation. It is a gain in both correct reporting of profits as well as support for those less able to care for themselves. Such deductibles require confirmation from the carrier to be applied similar to 1099 reporting.