The tax law in China is fuzzy. They have set limits, but then they have tax-exempt income.

First, the tax table:

Table of Income Tax Rates in China for an Individual in 2009

Tax % Monthly Income (CNY)
5% 1 – 500
10% 501 – 2,000
15% 2,001 – 5,000
20% 5,001 – 20,000
25% 20,001 – 40,000
30% 40,001 – 60,000
35% 60,001 – 80,000
40% 80,001 – 100,000
45% 100,001 and above

http://www.worldwide-tax.com/china/china_tax.asp

With a 5,000 yuan per month salary, under this table, you would have to pay 15% tax or 750 yuan. HOWEVER, you have an exempt allowance:

* A standard monthly exemption of CNY 4,800 on income from a salary for a foreign resident, and CNY 2,000 for a Chinese resident.

This means your monthly taxable income would be a mere 200 yuan, of which 5% (25 yuan) would be taxable.

http://www.worldwide-tax.com/china/chi_exempt.asp

You could go down to the tax office to pay this, but it would create more trouble than it is worth! Additionally, there are deductions as well, so in light of that, you probably wouldn't owe anything.

I have paid taxes on income above and beyond my teacher's salary as I have additional income from published works. However, the publishing company usually takes the taxes from my salary, which makes things simple for me and my school as my school doesn't have to get involved.

I know this is a long answer, but it should give you the background.

Good luck.

The emphasis is not on reducing health insurance cost. It is on maximizing insurance company Profits.
It has nothing to do with providing service, taking care of the clients or any other of the noble causes of health care.

It is simple. More money for the company and less for the health care community and you the customer.

The insurance companies pay about 35% of the charges the uninsured do. It has nothing to do with providing care it is what they are willing to pay and the hospitals take it.

Then in order to make up for those shortfalls from insurance and medicare the uninsured pay exorbitant charges and end up subsidizing the insurance companies.

If they were concerned in lowering the real cost of health care they would pay for preventive care. 10 years of diabetic treatment costs about $250,000 but a nutritional program which can prevent it costs about $5000 over that same period.
That cuts out, pharmaceuticals, insurance, blood glucose machines and the specialists.

As always the corporations have us convinced that this should be free market. There is nothing free about this market and the theory does not fit the system.

The future of health care for the greatest number will be social medicine like England and Canada. You will not get that from the conservative media. They have too many profits at stake to allow that to happen.

We have very good health coverage. My son went to a family clinic for what could have been considered an urgent issue.
This was not covered. Yet, had he gone to an urgent care center or ER it would have been covered ( if after the denial I could prove it was "urgent"). They refuse a claim of $86.00 but would pay a claim which would have been $1200.00.
Remember that $1200 would only be paid at $400 by the insurance company.
They are not interested in saving money this way. They are more interested in taking the premium, denying the claim, making you fight it and paying only when they are proven responsible within the terms of your policy that they must.
About 20% give up and pay it themselves.
This is how private insurance maximise profit.

If you buy the story that they are interested in helping the policyholders you are naive.

The hospitals cannot maintain thier non profit staus if they turn away the indigent. The insurance companies pay at a reduced rate. it is up to the general public to make up the difference.

By now one would think that the public would get wise to the fact that the banking and insurance industries are NOT in this for our benefit. The McCain free marrket plan WILL NOT work. These groups are in it to take and keep our money.
This is not a free market in any sense of the word.

We posses the greatest capability for care in the world which is focused on the smallest number. It is because of corporate greed.

Just like you said, car insurance doesn't pay for oil changes, but YOU have to pay for it, maybe $25.00. But if you get a complete check-up on your car, such as computer anaylsis, you may have to pay $150.00 – $600.00. The oil change and computer analysis on my car costs close to $600. I think you can get a physical check-up for less than that. If you don't have insurance, YOU have to pay for it.

Healthcare is very expensive. Here are some of the reasons:

Doctors and hospitals have to be insured with medical malpractice insurance. For a specialist, that coverage could cost as much or more than $100,000 per year. The hospitals medical malpractice insurance is greater than that; in the millions.

Doctors have to earn a good living just to pay the insurance, in addition to their living expenses, student loans, etc.

All the technical instruments that hospitals and doctors use are very expensive in this day and age of technology. Some are valued in the millions of dollars. Somebody has to pay for those.

Some medications are extremely expensive.

I'm a cancer patient. So far my medical bills are nearing $750,000. My chemo treatments are over $20,000 per month. Thank God for insurance.

Remember, this is not the 70's and 80's, so doctors and hospitals are not using 70's and 80's technology.

BTW, an oil change in the 70's was about $6.00.

There’s still work to do in this direction…

As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.