The fact that millions of Americans do not have health insurance is a major problem of the United States health care system. Proposed solutions range from single-payer national health insurance to individual or employer mandates to tax subsidies for the purchase of private health insurance. There is a way to deal with this problem that does not require new taxes or cumbersome mandates. The solution involves integrating the current system of tax subsidies (which encourage people to obtain private insurance) with the system of spending subsidies (which encourage people not to be insured). Integration ensures that government policies are not encouraging people to be uninsured.