My point on the taxes was a large company gets to deduct the expense of providing coverage... As an individual I get to deduct a fraction of the cost... Then the government wonders why so many people don't have insurance... What I said was they should equalize things, either giving the same deduction to the individual (many who are forced to to do without purely due to cost) or tax the benefit at the same rate... Which would I choose?? simple, full deductability for all.
I would clarify one other thing since you seem to be changing focus on what you asked, that being How would I see tax reform helping control costs... I agree that this would not help raise aetna's profits and margins, but then that was not your topic.
One final comment is that Aetna insurance in the past was worth an additional premium. Largely due to responsiveness, flexability and service... This has deteriorated since the USHC merger... people that had AET insurance didn't choose USHC because those things were important to them... I have heard that AETNA is eliminating many of the employee healthcare options on Jan 1, similar to the conversion that it appears I'm about to go through... I wasn't offered options just informed of what is to come... I don't like the approach, and from a stock price perspective I have to wonder why a company like amazon.com can focus on customer satisfaction and make no money, yet have a high stock price. While the AETNA attitude appears to be let them leave, we'll just buy the company they go to... The aetna stock price speaks for itself. I have two neighbors that work at the aetna, when I've asked them about the employee insurance they responded they didn't follow the issue, they used their spouses insurance... I also talked with an IBM employee who has Prudential, that was concerned about AETNA and being ultimately forced to a USHC type plan... and unfortunately can't just convert to coverage through his wife, because she works at AETNA... Last thing, (I'll make an assumption that you are participating on this board as a paid aetna rep (since again you haven't clarified that))... Can you identify any AET based options toward catestrophy insurance as opposed to full care coverage.