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I dont think he can really make it a federal tax. What would happen is your employer would just give you extra on your normal pay check thus making it a taxable income so yes you right in the fact that the government probably just wants to be able to tax it. I dont see it working out any other way and I still say you all should move to texas. The only draw back though is that because we dont pay income tax our property tax is higher. I pay around 5 or 6% in property tax. On one property that I own that is worth about 270k I had to pay like 14k in property tax im far to lazy to do that math so yall can figure it out. Property tax in this particular city is higher then the rest of texas because houses are so cheap here compared to say houston or austin where to raise say 6k per house they can tax at a lower percentage because houses are worth more. That is off topic but anyways on my current health care I do have a co-pay of like 15 or 20 and the insurance takes care of the rest. Whenever I need to get meds for the most part I pay maybe 5 per prescription and allergy medicine they always fight with me over. I say the best plan in the world is to become very good friends with the doctor because then you never have to wait in line, you never have to pay for meds because the doctor will give you enough of the free trial packets and they always know other doctors in case you need to see someone else or a specialist.