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ability-to-pay administrative costs affordable amount and/or annual average awards base percentage billing errors block grant bracket care-givers catastrophic charges citizen Co-op payments Co-op pays co-pays contribution costly coverage deductible deter district doctors dollar donation drugs eliminate employers eral exemption facilities federal fraud funding H/C costs HCG fees health benefits health-care incentive income tax increase incurred individual lawyer loser's fee lower malpractice managed care mandates Medicaid medical costs Medical Savings Accounts MEDICAP membership ment method mium nursing home overall overcare paid patient payroll tax percentage person portion poverty level poverty line practitioners premiums present preventive exams procedures programs prudence punitive damages reasonable region reps result revenue savings self-employed self-payment senior spending strophic take-home taxation tion tort reform treatment types of H/C typical unit unit's MSP virtually workers yield