Replacing the tax exclusion for employer-provided health insurance with a tax credit

Analyze how such a change would affect the three primary constituencies in health care: 1. Patients 2. Providers 3. Payers (insurers). How would such a change affect the federal government’s budget? Provide at least one reason why such a change hasn’t already happened and discuss a potential unintended consequence of such a change. See instruction in the attached file : Replacing the tax exclusion for employer-provided health insurance with a tax credit Reference the paper to the attached document: correcting_signals_for_innovation_in_health_care_bagley