Thomas Loker served as Chief Operating Officer for seven years with a company that manages public-funded healthcare benefits for low-income and under-served populations. He has had a long career serving in the fields of science, technology, and healthcare-related industries. He is an active board member in both for-profit and not-for-profit companies. Tom has written numerous articles in the areas of healthcare, technology, politics and the economy, published by California Political Review, Lead-Zine, and others. He has been a quoted expert in numerous stories by NBC-universal, Workforce Management Magazine, Managed Care Advisor, Managed Care Magazine, Menlo Park Patch Newspaper, Physicians Money Digest, BioPharma Insight, and others as well as on radio and television. He maintains his passion for St. Mary’s County, its people, and culture by writing short essays published on his blog. When he is not writing or working in business, Tom is also an accomplished photographer.
Tom is the author of three books.  His latest work is, “The History and Evolution of Healthcare in America; The untold backstory of where we’ve been, where we are, and why healthcare needs more reform – by iUniverse Press,”  Tom published “Delusional Ravings of a Lunatic Mind – by SYDK Press.”—a collection of essays from his popular blog available at Amazon, Barnes and Nobles, and other bookstores—and with his son Aleck, “Calistoga Ranch – A Photo Collection”—a photo essay of pictures from the Napa Valley area of California focused on Calistoga Ranch, available at Blurb. Com. You can find Tom online at:www.loker.com

Recent Posts

Are the new democrat party proposals affordable?

I have not written any articles for the past few years, as I have been focused on my other endeavor, Healthcare Reform 2.0 (www.hr-20.com). However, as of late, the over the top rhetoric of the people running for president, on the democratic side has begun to disturb me due to the lack of anyone questioning the cost and affordability of these programs. So, I decided to take some time and investigate for myself.

Please note, I am not trying to be partisan or express a hard right-wing conservative view here. I do have more conservative views than liberal when it comes to fiscal issues, but from social programmatic areas I tend lean more liberal.

I have been, like most of us, listening to the expanding promises of the democratic parties running for president and have become more and more dismayed by the lack of anyone taking a real hard look at the cost, to each of us, as working, Tax-Paying, American households. It is not that I am faulting these candidates for their zeal and ideological goals, I am finding their arguments wanting in an explanation of the impact all of their programs will have on each of us. My question is, “could these programs actually be paid for in the manner they suggest?” Further, before I embarked on my own analysis, and based on my experience doing my cost analysis of the Affordable Care Act, that I was able to predict quite accurately, the sheer incredulity of their statements as to who will be harmed and who will benefit have been quite astounding in their underestimation; not to mention the potential negative effect on the economy due to job loss, loss of international competitiveness and many other factors..

My 2010 estimate for the real cost of the ACA was $3.2 trillion over ten years. At the same time the CBO estimate was $800 billion over the same time-frame. The current estimate is over $3.6 trillion

I took the past week to dig deeper into the costs of the programs outlined. Granted some, maybe even many, may not be the final planks of the platform of the selected democratic presidential candidate, but at this moment there is little reasoned push-back on the drive to implement these goals they claim will benefit a little more, or less, than 50% of America (this percentage amount is guesstimated based on whom they say they are targeting to bring help to – a number that as you will note in the downloadable worksheet is likely vastly over-inflated.)

I am sure there are parties that will immediately say the analysis is unfair or invalid for a variety of reasons. As I said, this is my analysis based on about a week’s worth of reading, research, and analysis. I freely admit that I can be wrong. If so, I am willing to share my spreadsheet, and you can then modify it to make your own analysis. In the words of Billy Joel, “You may be right, I may be crazy, but I just may be the lunatic your looking for!”

2019 Democrat Programs Affordability Analysis

Screen Shot of Program Analysis Worksheet. If you would like a copy of the analysis spreadsheet for your own analysis, send me an email with your email address using the form at the bottom of the article

The following is a summary of the findings I have based on my independent, simple analysis. In these analyses, I am not adjusting for the continued spurious printing of new money (due to dilution of the dollar and inflation), nor am I factoring in any effect of potential positive or negative changes to the economy. Although I suspect if these programs, and their respective costs, were to come to pass, the economy will be very severely negatively affected, and all bets are off that even the bad numbers will look this good.

Here are the basic assumptions. They have been run in a best-case – worst-case perspective. The best-case is what the various party pols are touting as their plan(s). The worst-case analysis is based on an outside parties assessment – one that I believe is somewhat fairly derived (in other words, if its nothing but pure bias, I did not select those numbers).

Programs Analyzed

The programs I used in my analysis are:
• The estimated cost of Medicare for All
• The estimated cost of Free College Tuition
• The estimated cost of $1,000 living wage
• The estimated cost of the Green New Deal


I am using recognized sources for the current census projections of the following;

  • Number of Working Americans broken out by full-time, part-time and total number of Households in America
  • The population of people in the U.S. 18-64 years old
  • The current estimates of the income ranges of the poor, middle class and rich in America
  • The percentage of what each of these classes makes up of the total income and population of earners
  • The latest US budget projections from the Office of Management and Budget (OMB) from 2019 through 2029.

Key Calculations

  • I have estimated what would be the actual tax rates that would be necessary in order to cover the best-case scenario. Using the rates quoted by the current crop of candidates is not even close to realistic, so I won’t embarrass anyone by including them.
  • All calculations cover a ten year period to be consistent with how the government calculates program costs.


  • The total cost of all of these programs over ten years will be $74 trillion on the best-case side and $127 trillion on the worst-case analysis. A total cost of $22,482.51 per American per year. Perhaps a better way of looking at it is by cost per worker, and this is a staggering $46,326 per year – equally divided across all economic classes; poor, middle class, and rich.
  • The federal budget expenses also need to be reduced from federal revenue during this time frame, and the total of money consumed by the existing federal government for the ten years is approximately $62 Trillion. Looking at just the individual program cost is significantly misleading.
  • The total of both new programs as proposed and the existing budgets for ten years are – are you ready for this you may want to sit down – $179 trillion.
  • Total Federal Revenue based on Effective Tax Rates by earnings segment assumptions are as follows:
% Of Households 2019 Population % Share of Income 2019 Number of earners 2019 Average Earnings 2019 Effective Tax Rate
Top 5% 19.0% 30,343,000 $ 209,400.00 90.0%
Top 20% 46.4% 74,100,800 $ 111,900.00 75.0%
40% 17.8% 28,426,600 $ 69,800.00 58.0%
60% 9.3% 14,852,100 $ 55,300.00 45.0%
80% 4.4% 7,026,800 $ 43,300.00 35.0%
Bottom 20% 3.2% 5,110,400 $ 22,600.00 0.0%


  • In the best-case, at the end of ten years, we have a cumulative deficit of
    $ 595,234,641,000

This is $595 billion if you are having a hard time with all the digits

  • In the worst-case it is $ 54,375,234,641,000

This is a $54 trillion deficit

  • Obviously, we cannot pay for these programs with only a tax hike on the wealthy, or if we include the upper part of the middle class, or even if we include all the rungs in the income ladder, including the poor, whom no one thinks should have to pay taxes.

So, in conclusion. This is my analysis, and I am NOT presenting it as an indisputable fact. I am trying to get you, the reader, to take a hard look and use your education and simple math skills – or my spreadsheet – to look at the effect anyway you want. Google and Bing are a wonderful tool to find the numbers that you think are most likely. I hope this is somewhat helpful.

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