Federal Benefit Pool Including Social Security, Medicare, and Medicaid Using Data from US_Income_linear
Dollars funded per year per person = 3,982.78 $/year
Average life expectancy at birth = 78.00 years
Funded pool per person over 78 years =  310,657.12 lifetime pool
If health expense increase per year after age 3 = 1.030
If retirement benefit increase per year > age 65 = 1.020
Initial retirement at age 65 in dollars per year = 4,800
Initial
Lifetime Example Example Pool
Benefit Health Retirement Limit
Pool Expense Expense at Age
Age $ $ $ $
0 310,657 5,000 0 310,657
1 305,657 2,500 0 308,068
2 303,157 1,000 0 305,480
3 302,157 500 0 302,891
4 301,657 515 0 300,302
5 301,142 530 0 297,713
6 300,612 546 0 295,124
7 300,065 563 0 292,535
8 299,503 580 0 289,947
9 298,923 597 0 287,358
10 298,326 615 0 284,769
11 297,711 633 0 282,180
12 297,078 652 0 279,591
13 296,425 672 0 277,003
14 295,753 692 0 274,414
15 295,061 713 0 271,825
16 294,348 734 0 269,236
17 293,614 756 0 266,647
18 292,858 779 0 264,059
19 292,079 802 0 261,470
20 291,276 826 0 258,881
21 290,450 851 0 256,292
22 289,599 877 0 253,703
23 288,722 903 0 251,115
24 287,819 930 0 248,526
25 286,889 958 0 245,937
26 285,931 987 0 243,348
27 284,944 1,016 0 240,759
28 283,927 1,047 0 238,170
29 282,881 1,078 0 235,582
30 281,802 1,111 0 232,993
31 280,692 1,144 0 230,404
32 279,548 1,178 0 227,815
33 278,369 1,214 0 225,226
34 277,156 1,250 0 222,638
35 275,906 1,288 0 220,049
36 274,618 1,326 0 217,460
37 273,292 1,366 0 214,871
38 271,926 1,407 0 212,282
39 270,519 1,449 0 209,694
40 269,070 1,493 0 207,105
41 267,577 1,537 0 204,516
42 266,040 1,584 0 201,927
43 264,456 1,631 0 199,338
44 262,825 1,680 0 196,750 A regression based benefit model is the only way I can see to keep benefits
45 261,146 1,730 0 194,161 balanced with available income at any administrative level. Politicians will
46 259,415 1,782 0 191,572 always want to pay more than taxes provide for to buy votes.
47 257,633 1,836 0 188,983
48 255,797 1,891 0 186,394
49 253,906 1,948 0 183,805
50 251,959 2,006 0 181,217
51 249,953 2,066 0 178,628
52 247,887 2,128 0 176,039
53 245,759 2,192 0 173,450
54 243,567 2,258 0 170,861
55 241,309 2,325 0 168,273
56 238,984 2,395 0 165,684
57 236,588 2,467 0 163,095
58 234,121 2,541 0 160,506
59 231,580 2,617 0 157,917
60 228,963 2,696 0 155,329
61 226,267 2,777 0 152,740
62 223,490 2,860 0 150,151
63 220,630 2,946 0 147,562
64 217,685 3,034 0 144,973
65 214,650 3,125 4,800 142,385   If statement in column D starts retirement.
66 206,725 3,219 4,944 139,796
67 198,562 3,316 5,092 137,207
68 190,154 3,415 5,245 134,618
69 181,494 3,517 5,402 132,029
70 172,574 3,623 5,565 129,440
71 163,387 3,732 5,731 126,852
72 153,924 3,844 5,903 124,263
73 144,177 3,959 6,080 121,674
74 134,137 4,078 6,263 119,085
75 123,797 4,200 6,451 116,496
76 113,146 4,326 6,644 113,908
77 102,176 4,456 6,844 111,319
78 90,876 4,589 7,049 108,730
79 79,238 4,727 7,260 106,141
80 67,250 4,869 7,478 103,552
81 54,903 5,015 7,703 100,964
82 42,185 5,165 7,934 98,375
83 29,086 5,320 8,172 95,786
84 15,594 5,480 8,417 93,197
85 1,697 669 1,028 90,608
86 0 0 0 88,020
87 0 0 0 85,431
88 0 0 0 82,842
89 0 0 0 80,253
90 0 0 0 77,664
91 0 0 0 75,075
92 0 0 0 72,487
93 0 0 0 69,898
94 0 0 0 67,309
95 0 0 0 64,720
96 0 0 0 62,131
97 0 0 0 59,543
98 0 0 0 56,954
99 0 0 0 54,365
100 0 0 0 51,776
101 0 0 0 49,187
102 0 0 0 46,599
103 0 0 0 44,010
104 0 0 0 41,421
105 0 0 0 38,832
106 0 0 0 36,243
107 0 0 0 33,655
108 0 0 0 31,066
109 0 0 0 28,477
110 0 0 0 25,888
111 0 0 0 23,299
112 0 0 0 20,710
113 0 0 0 18,122
114 0 0 0 15,533
115 0 0 0 12,944
116 0 0 0 10,355
117 0 0 0 7,766
118 0 0 0 5,178
119 0 0 0 2,589
120 0 0 0 0
Totals = 180,651 130,006
% = 58.15 41.85
Health + Retirement = 310,657
% = 100.00
Notes:
1. Few will live more than 15 years beyond the average life expectancy.
2. This approach can accommodate a lot of variation in annual costs.
3. Withdrawals for medical expenses should require verifiable proof as necessary and 
        reasonable to prevent scamers from making fast withdrawals.
4. An if statement at age 65 starts retirement if there is a balance left.
5. However, if one used the entire pool before dying, the person has received his/her share.
6. This approach is fair to all citizens and limits taxpayer liability.
7. Such an approach could be phased in over years, or one could start all at once using
life expectancy and average costs per year to initiate each individual's pool.
8. One could calculate initial pools for various ages:
Initial pool at age =  (Pool at age 0)/120)*(120-age)
The oldest person in the US at present is 114 or 115, so 120 gives some flexibility.
9. These individual pools would be funded on an annual basis. The initial amount would be 
about 3,983 dollars based on estimated revenue. If revenue increases, this could 
increase a small amount each year. Thus, unfunded overruns would need to be limited.
10. More expensive care should be limited to research hospital grants and private funds.
11. I considered adding higher education as a third use of these funds, but decided that
higher education and vocational education should be funded mainly by scholarships
to insure performance.