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Medicare for All: Comparison of Financing Options

Summary: We present the macroeconomic and demographic effects of a stylized mandatory single-payer healthcare system (“Medicare for All” or “M4A”) system under three different financing mechanisms: premiums, payroll, and deficits.

Table 1. Effects on Health in 2060

Financing Option Uninsured Population not Receiving Medical Treatment Population in the Sickest Health States Increase in Productivity
Current Law 27.1% 12.3% 14.5% n/a
Premium 0.0% 0.5% 13.3% 3.6%
Payroll 0.0% 0.7% 13.2% 7.2%
Deficit 0.0% 0.6% 13.3% 7.6%

Note: The effects of health on productivity are calculated as a percentage change from current law.

Table 2. Effects on Longevity and the Population in 2060

Financing Option Change in Life Expectancy (years) Change in Population Size (%)
Premium 1.8 2.9
Payroll 1.8 2.9
Deficit 1.8 2.9

Figure 1. Population that Foregoes Medical Treatment

Percent of the Population

Figure 2. Change in Total Health Spending

Percent Difference from Current Law

Figure 3. Payroll Taxes and Premiums



Figure 4. Revenue, Debt and Social Security Payments





Figure 5. Key Macroeconomic Variables






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    Year,Excess Cost Growth Private,Excess Cost Growth Medicare,Excess Cost Growth Medicaid
    2020,2,0.972,1.328
    2021,2,0.972,1.339
    2022,2,0.972,1.35
    2023,2,0.972,1.361
    2024,2,0.972,1.373
    2025,2,1.048,1.448
    2026,2,1.124,1.524
    2027,2,1.2,1.6
    2028,2,1.276,1.676
    2029,2,1.352,1.752
    2030,2,1.2,1.6
    2031,1.947,1.189,1.568
    2032,1.895,1.179,1.537
    2033,1.842,1.168,1.505
    2034,1.79,1.158,1.474
    2035,1.737,1.147,1.442
    2036,1.684,1.137,1.41
    2037,1.632,1.126,1.379
    2038,1.579,1.116,1.347
    2039,1.526,1.105,1.316
    2040,1.474,1.095,1.284
    2041,1.421,1.084,1.253
    2042,1.368,1.074,1.221
    2043,1.316,1.063,1.19
    2044,1.263,1.053,1.158
    2045,1.211,1.042,1.126
    2046,1.158,1.032,1.095
    2047,1.105,1.021,1.063
    2048,1.053,1.01,1.032
    2049,1,1,1
    2050,1,1,1
    2051,1,1,1
    2052,1,1,1
    2053,1,1,1
    2054,1,1,1
    2055,1,1,1
    2056,1,1,1
    2057,1,1,1
    2058,1,1,1
    2059,1,1,1
    2060,1,1,1  
  
    Year,Current Law
    2020,10.00739439
    2021,9.834446062
    2022,9.985020755
    2023,10.3470526
    2024,10.87031865
    2025,11.50247198
    2026,12.20338862
    2027,13.14720249
    2028,13.06307465
    2029,13.89015105
    2030,14.45506283
    2031,15.14620272
    2032,15.65360429
    2033,16.18114546
    2034,16.65807918
    2035,17.20179593
    2036,17.78873841
    2037,18.4097551
    2038,19.08069228
    2039,19.53727974
    2040,19.95962122
    2041,20.24831848
    2042,20.54838055
    2043,20.93917761
    2044,21.35303204
    2045,21.6157799
    2046,21.83433853
    2047,22.17826035
    2048,22.45271233
    2049,22.85583851
    2050,23.28618275
    2051,23.63852615
    2052,24.0164162
    2053,24.41445613
    2054,24.7736777
    2055,25.16316278
    2056,25.60377829
    2057,26.00599174
    2058,26.34057127
    2059,27.05277707
    2060,27.08482573  
  
    Year,Current Law
    2020,4.516100473
    2021,4.909452613
    2022,5.226980537
    2023,5.575948044
    2024,6.033797378
    2025,6.495081147
    2026,6.763715672
    2027,7.30323406
    2028,7.378281168
    2029,7.784781549
    2030,8.150688164
    2031,8.379914641
    2032,8.743009878
    2033,8.971794371
    2034,9.265198593
    2035,9.486995522
    2036,9.689485028
    2037,9.941240988
    2038,10.19336094
    2039,10.45549773
    2040,10.75023993
    2041,10.86476513
    2042,10.95240342
    2043,11.13746228
    2044,11.23064104
    2045,11.47681294
    2046,11.53909726
    2047,11.55696131
    2048,11.65915429
    2049,11.71884737
    2050,11.8509087
    2051,11.91029917
    2052,11.94132193
    2053,12.05908775
    2054,12.11158753
    2055,12.18741026
    2056,12.20207246
    2057,12.23099464
    2058,12.23384432
    2059,12.26571602
    2060,12.20843275  
  
    Year,Current Law,Premium,Payroll,Deficit
    2020,4.516100473,4.516100473,4.21487369,4.516100473
    2021,4.909452613,0.371742523,0.566154304,0.551330812
    2022,5.226980537,0.339758019,0.574303629,0.566388387
    2023,5.575948044,0.331023826,0.578573721,0.585347428
    2024,6.033797378,0.33723028,0.608594342,0.599819453
    2025,6.495081147,0.342718934,0.628261889,0.616465586
    2026,6.763715672,0.344427079,0.656162643,0.638822074
    2027,7.30323406,0.367359032,0.679024067,0.664673296
    2028,7.378281168,0.370053632,0.700013444,0.684926631
    2029,7.784781549,0.374858465,0.698883159,0.681067528
    2030,8.150688164,0.356428358,0.713015862,0.688879243
    2031,8.379914641,0.38384464,0.722514254,0.697114109
    2032,8.743009878,0.384853234,0.729447514,0.708163802
    2033,8.971794371,0.388538171,0.724696919,0.714733317
    2034,9.265198593,0.389051378,0.726208053,0.719313465
    2035,9.486995522,0.387035551,0.722679817,0.72119774
    2036,9.689485028,0.387861003,0.719798469,0.722115292
    2037,9.941240988,0.386986661,0.719289523,0.724643846
    2038,10.19336094,0.387013195,0.7195425,0.723466137
    2039,10.45549773,0.390678683,0.719965271,0.710534642
    2040,10.75023993,0.390968449,0.721077814,0.707602949
    2041,10.86476513,0.383568987,0.720305406,0.710270037
    2042,10.95240342,0.387710984,0.710852934,0.709850287
    2043,11.13746228,0.389023323,0.709741576,0.712217633
    2044,11.23064104,0.388546423,0.70766937,0.700024179
    2045,11.47681294,0.385269303,0.704967446,0.698116212
    2046,11.53909726,0.387084194,0.702932739,0.695225663
    2047,11.55696131,0.391796267,0.699185222,0.691235995
    2048,11.65915429,0.391189517,0.697730222,0.69038453
    2049,11.71884737,0.390445254,0.696022751,0.681658159
    2050,11.8509087,0.390363003,0.690133593,0.676752856
    2051,11.91029917,0.394492341,0.688676753,0.665767347
    2052,11.94132193,0.388774838,0.686097795,0.663560618
    2053,12.05908775,0.392673755,0.682210022,0.660303748
    2054,12.11158753,0.394506875,0.679552853,0.656537993
    2055,12.18741026,0.394135101,0.677514224,0.649563201
    2056,12.20207246,0.391278811,0.672782027,0.635861042
    2057,12.23099464,0.396031564,0.666626594,0.633413736
    2058,12.23384432,0.39750078,0.662030287,0.625858723
    2059,12.26571602,0.398339743,0.660259246,0.614912526
    2060,12.20843275,0.397423396,0.65690009,0.607237414  
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,2.447927131,2.45,2.525366687
    2022,1.250530017,1.204892894,1.158281193
    2023,0.148915163,0.14886511,0.045490522
    2024,-0.651930632,-0.625456628,-0.75055552
    2025,-1.179264972,-1.133216919,-1.264137067
    2026,-1.386533568,-1.327759454,-1.455310034
    2027,-1.400469868,-1.324379159,-1.451576233
    2028,-1.730627264,-1.654928536,-1.770789903
    2029,-1.679451253,-1.591355561,-1.699642409
    2030,-1.664832141,-1.570006608,-1.659811986
    2031,-1.5130674,-1.430182149,-1.503885052
    2032,-1.40237579,-1.326320434,-1.386783764
    2033,-1.242515185,-1.175411632,-1.21923705
    2034,-1.270718232,-1.210027041,-1.237886784
    2035,-1.137833081,-1.091387408,-1.103849706
    2036,-0.731054188,-0.704374007,-0.698271489
    2037,-0.353191533,-0.338818526,-0.321595579
    2038,-0.002704256,-0.00208789,0.02822567
    2039,0.323779388,0.312652702,0.357227672
    2040,0.744070789,0.719324675,0.772395835
    2041,1.055400754,1.020762285,1.085395837
    2042,1.420331908,1.380091832,1.445161751
    2043,1.892240575,1.843481166,1.912670274
    2044,2.232177695,2.173565691,2.246351769
    2045,2.845523313,2.783572972,2.860228451
    2046,3.37847908,3.313780569,3.391657267
    2047,3.959618865,3.893979764,3.973168536
    2048,4.555640269,4.486076588,4.567702864
    2049,5.172972616,5.102658088,5.183878931
    2050,5.947266834,5.880717345,5.955519286
    2051,6.61060248,6.544544845,6.620626599
    2052,7.291647796,7.231052461,7.298743335
    2053,8.154166447,8.094189291,8.161532044
    2054,8.974675458,8.919251185,8.978415716
    2055,9.661179788,9.609350654,9.667128699
    2056,10.33187532,10.28279428,10.33704909
    2057,11.01857934,10.97796446,11.02225318
    2058,11.7145458,11.68244989,11.72550435
    2059,12.49927303,12.47131578,12.51206774
    2060,12.99946024,12.97811247,13.01562423  
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,0.485853101,-67.37636443,-67.37636443
    2022,-0.294200056,-68.01622279,-68.01622279
    2023,-1.249313564,-68.65730344,-68.65730344
    2024,-2.166016413,-69.28559105,-69.28559105
    2025,-3.136118066,-69.91695853,-69.91695853
    2026,-3.91220142,-70.52289197,-70.52289197
    2027,-4.766721457,-71.13412546,-71.13412546
    2028,-5.491508615,-71.69949154,-71.69949154
    2029,-6.446521792,-72.28357391,-72.28357391
    2030,-7.097848056,-72.85694903,-72.85694903
    2031,-7.863466915,-73.40398396,-73.40398396
    2032,-8.595890411,-73.93833314,-73.93833314
    2033,-9.257808127,-74.44305365,-74.44305365
    2034,-9.968163355,-74.93685347,-74.93685347
    2035,-10.54333765,-75.38807657,-75.38807657
    2036,-11.11934766,-75.82333986,-75.82333986
    2037,-11.57850895,-76.22863372,-76.22863372
    2038,-12.02784318,-76.63013597,-76.63013597
    2039,-12.44712991,-77.00904313,-77.00904313
    2040,-12.85813423,-77.3668879,-77.3668879
    2041,-13.23242188,-77.70505843,-77.70505843
    2042,-13.44448728,-77.99728202,-77.99728202
    2043,-13.70292887,-78.29020524,-78.29020524
    2044,-13.83907614,-78.56537398,-78.56537398
    2045,-14.1017326,-78.8473824,-78.8473824
    2046,-14.25954758,-79.09147342,-79.09147342
    2047,-14.34652658,-79.32250686,-79.32250686
    2048,-14.36761018,-79.55032231,-79.55032231
    2049,-14.35410941,-79.75882598,-79.75882598
    2050,-14.29950843,-79.95960308,-79.95960308
    2051,-14.25964546,-80.16160917,-80.16160917
    2052,-14.12959298,-80.35451323,-80.35451323
    2053,-14.06782549,-80.54701758,-80.54701758
    2054,-13.98312236,-80.73416019,-80.73416019
    2055,-13.89654884,-80.92252012,-80.92252012
    2056,-13.77513031,-81.11192176,-81.11192176
    2057,-13.72902169,-81.30984841,-81.30984841
    2058,-13.57113904,-81.49167396,-81.49167396
    2059,-13.52001926,-81.68176188,-81.68176188
    2060,-13.32750536,-81.85645699,-81.85645699  
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,0,6.911,0
    2022,0,6.971,0
    2023,0,7.013,0
    2024,0,7.076,0
    2025,0,7.18,0
    2026,0,7.306,0
    2027,0,7.462,0
    2028,0,7.632,0
    2029,0,7.937,0
    2030,0,8.166,0
    2031,0,8.382,0
    2032,0,8.603,0
    2033,0,8.831,0
    2034,0,9.059,0
    2035,0,9.293,0
    2036,0,9.527,0
    2037,0,9.771,0
    2038,0,10.015,0
    2039,0,10.264,0
    2040,0,10.514,0
    2041,0,10.771,0
    2042,0,11.03,0
    2043,0,11.293,0
    2044,0,11.564,0
    2045,0,11.839,0
    2046,0,12.116,0
    2047,0,12.401,0
    2048,0,12.686,0
    2049,0,12.983,0
    2050,0,13.287,0
    2051,0,13.596,0
    2052,0,13.912,0
    2053,0,14.235,0
    2054,0,14.568,0
    2055,0,14.923,0
    2056,0,15.279,0
    2057,0,15.659,0
    2058,0,16.047,0
    2059,0,16.434,0
    2060,0,16.818,0    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,8.119669593,2.905379404,5.955289464
    2022,8.641748759,3.099670138,5.960559825
    2023,9.00134537,3.199187902,5.90943244
    2024,9.353510917,3.334352403,5.877374876
    2025,9.739012566,3.424273465,5.868795422
    2026,10.10069004,3.504347979,5.872192297
    2027,10.48359126,3.583360773,5.884096148
    2028,10.89260024,3.662544862,5.88950177
    2029,11.82877578,3.75494859,6.292533957
    2030,12.29571674,3.802842202,6.308530598
    2031,12.78219643,3.873030062,6.337921374
    2032,13.27273892,3.956447262,6.356410441
    2033,13.79937562,4.047019143,6.378903623
    2034,14.34260621,4.164131902,6.398485184
    2035,14.90644684,4.279632579,6.409644789
    2036,15.47562534,4.406508023,6.402126063
    2037,16.0539605,4.512726532,6.374872735
    2038,16.66257794,4.648676275,6.346928345
    2039,17.27764596,4.772001412,6.299107546
    2040,17.92298433,4.926125636,6.241394379
    2041,18.58069992,5.064019625,6.165964538
    2042,19.24114903,5.209745428,6.060952587
    2043,19.93583638,5.361170986,5.953723662
    2044,20.63688574,5.4986791,5.808812575
    2045,21.3614197,5.649179104,5.651919991
    2046,22.0963857,5.802038382,5.470923077
    2047,22.84866406,5.946443055,5.260110316
    2048,23.62142559,6.107812617,5.014067632
    2049,24.40081712,6.24470487,4.728523815
    2050,25.19775916,6.389458032,4.401708293
    2051,26.01922425,6.544458253,4.040395262
    2052,26.84902664,6.686702384,3.631983471
    2053,27.56980551,6.761590028,3.222248293
    2054,28.46788744,6.908865528,2.719167839
    2055,29.40775706,7.044910332,2.170396064
    2056,30.38531889,7.219285374,1.556640961
    2057,31.40109977,7.362720369,0.878553669
    2058,32.44206047,7.488910013,0.117915988
    2059,33.55104032,7.660550354,-0.713075869
    2060,34.66987522,7.853236036,-1.666812093    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,11.11273156,82.42122115,8.885677447
    2022,11.65436266,84.31953646,9.06022207
    2023,12.18686143,86.13506585,9.238066983
    2024,12.73284658,88.01600674,9.432877335
    2025,13.29399887,90.1038819,9.625763517
    2026,13.86005001,92.12179748,9.812249074
    2027,14.43748058,94.44369403,9.996893277
    2028,15.00857168,96.60995128,10.15964331
    2029,15.74714504,98.78537074,10.40422228
    2030,16.3867072,101.5116774,10.59868787
    2031,17.05603092,103.9831928,10.80303336
    2032,17.73519419,106.6280016,11.00628162
    2033,18.44173432,109.3954151,11.21983566
    2034,19.16820038,112.1014999,11.43266132
    2035,19.8860738,114.8026129,11.61437964
    2036,20.59725821,117.4241238,11.77540358
    2037,21.30654596,120.1366542,11.91344517
    2038,22.03185848,122.8293983,12.04536637
    2039,22.78849799,125.6596689,12.17964223
    2040,23.56578121,128.4517948,12.31227527
    2041,24.38341073,131.3903308,12.45472022
    2042,25.17535851,134.2324009,12.54624588
    2043,25.97285335,137.1351915,12.61327997
    2044,26.81218759,140.1388019,12.68633212
    2045,27.65573019,143.1663494,12.72925057
    2046,28.49069535,146.1618549,12.73739125
    2047,29.35227093,149.2845685,12.73129147
    2048,30.21344418,152.33774,12.68929069
    2049,31.07910602,155.5142805,12.60771268
    2050,31.93818441,158.6723957,12.47675602
    2051,32.81632276,161.8647002,12.31516103
    2052,33.73876174,165.121938,12.13809325
    2053,34.63875339,168.4182479,11.88764674
    2054,35.61394584,171.8273595,11.64305838
    2055,36.65605999,175.7151634,11.38944898
    2056,37.66116443,179.2473314,11.02891648
    2057,38.75132621,183.2853371,10.65516884
    2058,39.82576928,187.3144784,10.18567213
    2059,40.96079684,191.3278465,9.669412801
    2060,42.06525543,195.0785783,9.018401413    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,0,0,0
    2022,0.015463494,0.026094646,0.016429962
    2023,0.04735901,0.051225052,0.051225052
    2024,0.095206797,0.086507699,0.100039629
    2025,0.159496571,0.133880455,0.164813123
    2026,0.23878577,0.190931941,0.244102862
    2027,0.335990641,0.261057476,0.335507201
    2028,0.448222341,0.33991403,0.440002514
    2029,0.575988393,0.430903156,0.556160077
    2030,0.719803795,0.530661803,0.68449084
    2031,0.878237139,0.639685673,0.821139628
    2032,1.053288865,0.758503517,0.970032576
    2033,1.243057136,0.887136998,1.126838315
    2034,1.447590256,1.023680794,1.293529446
    2035,1.665971906,1.16865239,1.465783836
    2036,1.898258394,1.322087987,1.645092609
    2037,2.146018558,1.486003805,1.832996855
    2038,2.406356082,1.657010485,2.024641475
    2039,2.678875183,1.835651591,2.221541811
    2040,2.96511034,2.021489268,2.423257827
    2041,3.263684692,2.214086811,2.628376142
    2042,3.575222446,2.41596741,2.836983111
    2043,3.898815186,2.625712767,3.049104682
    2044,4.23549633,2.840917414,3.264760026
    2045,4.586362148,3.065070418,3.48401226
    2046,4.951643533,3.298811645,3.709939505
    2047,5.332902075,3.543669813,3.938663295
    2048,5.728755171,3.794797305,4.171676179
    2049,6.136850589,4.055687693,4.407052857
    2050,6.560459084,4.326556325,4.646458681
    2051,6.998536015,4.608347176,4.886849279
    2052,7.449960008,4.901796206,5.129901549
    2053,7.914416286,5.207529626,5.373711595
    2054,8.388126112,5.521229208,5.615372038
    2055,8.875275522,5.845529101,5.857443555
    2056,9.382555143,6.182407896,6.105799365
    2057,9.920231329,6.542526673,6.37102403
    2058,10.48037335,6.916796578,6.646480393
    2059,11.07271635,7.30869391,6.937099359
    2060,11.66499347,7.707057524,7.216644915    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,1.53301E-05,-0.077360017,1.88859E-05
    2022,-4.884395762,-3.872594307,1.302352155
    2023,-8.588904322,-6.619384804,3.41020219
    2024,-12.1552227,-9.31037935,5.312860816
    2025,-15.57071512,-11.86801712,7.047644179
    2026,-18.8374781,-14.29712076,8.658111906
    2027,-21.9320638,-16.57075043,10.18261
    2028,-24.83474915,-18.6949442,11.67106237
    2029,-27.57951043,-20.68344464,13.11674647
    2030,-30.33366922,-22.51965581,14.46352356
    2031,-32.95537017,-24.24124177,15.78976629
    2032,-35.47238975,-25.86426679,17.0892135
    2033,-37.91759227,-27.42730112,18.37999796
    2034,-40.25451083,-28.90518284,19.69257733
    2035,-42.49445496,-30.30688208,21.01882209
    2036,-44.65875619,-31.64868428,22.34392009
    2037,-46.70804574,-32.90612063,23.64254515
    2038,-48.6697945,-34.09613469,24.94802342
    2039,-50.58641243,-35.2429801,26.27793244
    2040,-52.45098904,-36.34523615,27.62446051
    2041,-54.2338521,-37.3808964,28.96655017
    2042,-55.94302217,-38.35709755,30.2919421
    2043,-57.62363113,-39.29678257,31.61955128
    2044,-59.24641644,-40.18791836,32.93269157
    2045,-60.82955022,-41.04905258,34.25770493
    2046,-62.38857072,-41.89573669,35.57390111
    2047,-63.90026907,-42.69840513,36.90263269
    2048,-65.37725781,-43.46978176,38.24754687
    2049,-66.8310522,-44.20721072,39.62369605
    2050,-68.2474502,-44.9076651,41.02362053
    2051,-69.63497844,-45.57425174,42.45419385
    2052,-70.99251141,-46.20812013,43.92315295
    2053,-72.32035882,-46.80825468,45.40809352
    2054,-73.60933452,-47.37518238,46.89739434
    2055,-74.86673303,-47.9128207,48.43480797
    2056,-76.09508475,-48.42391275,50.01524695
    2057,-77.31708421,-48.91843132,51.64113448
    2058,-78.5286491,-49.40004052,53.30112659
    2059,-79.71328141,-49.85853297,54.98467051
    2060,-80.87913765,-50.29736296,56.70470381    
  
    Year,Premium,Payroll,Deficit
    2020,0,0.000793017,0
    2021,-0.886932888,-3.616037852,-2.226328627
    2022,-0.427885232,-3.658055808,-2.447198828
    2023,-0.125191621,-3.779890307,-2.776492087
    2024,0.220896308,-3.828844865,-3.080630689
    2025,0.592596923,-3.886228935,-3.392702495
    2026,0.999172597,-3.911006795,-3.699057232
    2027,1.431928249,-3.925764493,-4.008306336
    2028,1.906397577,-3.913957132,-4.319346256
    2029,2.308215439,-4.266530116,-4.762814456
    2030,2.818203232,-4.288760269,-5.097207009
    2031,3.351392437,-4.293690877,-5.444436069
    2032,3.913787612,-4.274026214,-5.793867459
    2033,4.509770014,-4.242036783,-6.143702198
    2034,5.131034052,-4.18690498,-6.509778497
    2035,5.783560823,-4.116159701,-6.886337822
    2036,6.463162827,-4.027627219,-7.274427912
    2037,7.169495059,-3.936107942,-7.683720941
    2038,7.904460137,-3.819991722,-8.108258281
    2039,8.671103202,-3.694288953,-8.54869287
    2040,9.4674239,-3.54467086,-9.008561747
    2041,10.29751104,-3.387612539,-9.49146411
    2042,11.16105588,-3.208271344,-9.994122581
    2043,12.05803267,-3.022300933,-10.51885027
    2044,12.99046286,-2.826619663,-11.07269257
    2045,13.95348076,-2.617742124,-11.65666675
    2046,14.95471009,-2.389383781,-12.26702157
    2047,15.99281244,-2.15229563,-12.90760521
    2048,17.06465784,-1.898210453,-13.58728909
    2049,18.17018425,-1.642730662,-14.30833373
    2050,19.31424527,-1.373155947,-15.07265854
    2051,20.4917324,-1.093862946,-15.88461231
    2052,21.70938166,-0.807005967,-16.74846912
    2053,22.96809255,-0.509327196,-17.66720059
    2054,24.262191,-0.211910939,-18.63646695
    2055,25.60426819,0.082372774,-19.66814942
    2056,26.99415923,0.404343779,-20.77221469
    2057,28.43324786,0.715970291,-21.95053621
    2058,29.92896438,1.035806483,-23.20301314
    2059,31.48332667,1.376109738,-24.54613788
    2060,33.10963062,1.756805926,-25.98178246    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,-4.808958772,-9.562341383,-7.990146402
    2022,-4.675571851,-9.593074108,-8.032363513
    2023,-4.538182839,-9.628043491,-8.084924418
    2024,-4.407936013,-9.623074017,-8.120361286
    2025,-4.299505005,-9.67105332,-8.175928304
    2026,-4.184072364,-9.704136035,-8.231346975
    2027,-4.066239687,-9.75506638,-8.280627867
    2028,-3.933067244,-9.785974545,-8.320465922
    2029,-4.079345216,-10.43526204,-8.673722618
    2030,-3.962588694,-10.52471511,-8.722754187
    2031,-3.857752606,-10.60782603,-8.785356181
    2032,-3.750998468,-10.67975224,-8.834863928
    2033,-3.647756113,-10.76404788,-8.879331112
    2034,-3.526477943,-10.82231063,-8.923558933
    2035,-3.388217221,-10.87781803,-8.951369118
    2036,-3.253330245,-10.9273769,-8.97053137
    2037,-3.129060366,-10.99575839,-9.002822795
    2038,-3.002711485,-11.03968555,-9.025248311
    2039,-2.869366467,-11.08904497,-9.045276182
    2040,-2.732371923,-11.11809328,-9.062240134
    2041,-2.596293281,-11.15677278,-9.081803954
    2042,-2.461151242,-11.18822179,-9.092717856
    2043,-2.325748612,-11.22988342,-9.109058843
    2044,-2.188240252,-11.27590058,-9.132584462
    2045,-2.068168287,-11.33495866,-9.172515395
    2046,-1.956775506,-11.40090832,-9.215995339
    2047,-1.835658364,-11.46929675,-9.255615912
    2048,-1.72185419,-11.53194899,-9.307151781
    2049,-1.609971413,-11.610605,-9.368755463
    2050,-1.493269916,-11.68384572,-9.433166576
    2051,-1.388831859,-11.76943118,-9.516862673
    2052,-1.283737646,-11.86105822,-9.611583068
    2053,-1.178503681,-11.95571088,-9.717553936
    2054,-1.077001675,-12.0639156,-9.841080776
    2055,-0.960989473,-12.19929891,-9.970435538
    2056,-0.838458482,-12.31454473,-10.11151804
    2057,-0.717123024,-12.46137785,-10.2749877
    2058,-0.57971869,-12.61268213,-10.43369363
    2059,-0.453386187,-12.76408018,-10.62041894
    2060,-0.319916802,-12.88192924,-10.83535246    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,-1.214477832,-4.915737941,-3.031732651
    2022,-0.956525808,-4.907238112,-3.151647953
    2023,-0.747238634,-4.926623532,-3.298061617
    2024,-0.516652169,-4.88630457,-3.418176463
    2025,-0.283580915,-4.884727954,-3.552608889
    2026,-0.034582039,-4.864354489,-3.682102174
    2027,0.22303711,-4.85142536,-3.815017328
    2028,0.514005694,-4.820579196,-3.945611873
    2029,0.686062465,-5.276148011,-4.240517311
    2030,0.978324946,-5.295747552,-4.387370828
    2031,1.275789625,-5.304451777,-4.543476856
    2032,1.585914139,-5.294725457,-4.696708235
    2033,1.914184074,-5.283521566,-4.844041879
    2034,2.25458943,-5.251752259,-4.99971561
    2035,2.612740756,-5.211813365,-5.156630011
    2036,2.979636892,-5.162862478,-5.31886859
    2037,3.35347476,-5.125832781,-5.496657793
    2038,3.740446377,-5.068854392,-5.678957124
    2039,4.143820655,-5.012110054,-5.866641309
    2040,4.559352235,-4.936327072,-6.063053322
    2041,4.989343362,-4.865014184,-6.271810749
    2042,5.432333673,-4.777934376,-6.48945623
    2043,5.889524553,-4.693945374,-6.716973244
    2044,6.358113449,-4.612791646,-6.965048153
    2045,6.835285777,-4.528964628,-7.229994141
    2046,7.32487591,-4.438693932,-7.511726608
    2047,7.830125265,-4.349250162,-7.807535764
    2048,8.345666908,-4.250566779,-8.129005938
    2049,8.871361377,-4.162019292,-8.476577444
    2050,9.413584564,-4.065149156,-8.849392171
    2051,9.965948093,-3.965542591,-9.250682303
    2052,10.53498452,-3.867169046,-9.684713757
    2053,11.11677195,-3.768171781,-10.15572357
    2054,11.71138217,-3.678181955,-10.65979777
    2055,12.32973409,-3.602844094,-11.19933827
    2056,12.96823581,-3.501235392,-11.78604706
    2057,13.62398173,-3.427471077,-12.42229013
    2058,14.30280248,-3.355707067,-13.10620967
    2059,14.99974836,-3.272289006,-13.85588501
    2060,15.72917435,-3.152372742,-14.66749441    
  
    Year,Premium,Payroll,Deficit
    2020,0,0,0
    2021,3.776070619,5.137907718,5.389002979
    2022,3.901461688,5.183049805,5.306992488
    2023,3.971162835,5.202299631,5.207919127
    2024,4.070718511,5.241126975,5.117765904
    2025,4.196346205,5.298772477,5.034975394
    2026,4.330689509,5.359914988,4.957297127
    2027,4.471081696,5.433702285,4.868775739
    2028,4.629140132,5.504017057,4.771898213
    2029,4.968072509,5.760206696,4.854249439
    2030,5.144780116,5.844035666,4.749686869
    2031,5.339528011,5.932705314,4.650436759
    2032,5.544901788,6.02889817,4.539186657
    2033,5.77250717,6.141612414,4.428511427
    2034,5.992387599,6.246582987,4.30829672
    2035,6.211414181,6.357569508,4.167815671
    2036,6.442565055,6.471701649,4.011517187
    2037,6.691929645,6.595107724,3.853048094
    2038,6.951903466,6.711791872,3.678263611
    2039,7.220365879,6.834855067,3.494744131
    2040,7.496558004,6.955033295,3.29806542
    2041,7.787831591,7.081866329,3.090682974
    2042,8.092657455,7.217834776,2.863644764
    2043,8.410889307,7.36276835,2.631819594
    2044,8.737552338,7.509920048,2.385383469
    2045,9.091481195,7.676073832,2.138693219
    2046,9.466897345,7.858110346,1.877278643
    2047,9.846532323,8.042460213,1.595779356
    2048,10.24390623,8.230521789,1.299050439
    2049,10.65284048,8.427012886,0.984404465
    2050,11.07219219,8.626617204,0.644578576
    2051,11.51469977,8.844880745,0.294176769
    2052,11.97241659,9.069645059,-0.080907146
    2053,12.44190392,9.299341474,-0.485332038
    2054,12.92761447,9.536169033,-0.908082082
    2055,13.41968533,9.790872639,-1.364999087
    2056,13.92343653,10.05105044,-1.862896092
    2057,14.44469096,10.31990971,-2.393203827
    2058,14.96930101,10.59304175,-2.983840851
    2059,15.52351602,10.88059964,-3.619916353
    2060,16.10059968,11.16824146,-4.297826618