McCain Versus Obama: Whose Plan Has You Covered On Health Care?

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Here is Obama’s:

Obama’s Plan to Cover Uninsured Americans: Obama will make available a new national health plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The Obama plan will have the following features:

1.      Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions.

2.      Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care.

3.      Affordable premiums, co-pays and deductibles.

4.      Subsidies. Individuals and families who do not qualify for Medicaid or SCHIP but still need financial assistance will receive an income-related federal subsidy to buy into the new public plan or purchase a private health care plan.

5.      Simplified paperwork and reined in health costs.

6.      Easy enrollment. The new public plan will be simple to enroll in and provide ready access to coverage.

7.      Portability and choice. Participants in the new public plan and the National Health Insurance Exchange (see below) will be able to move from job to job without changing or jeopardizing their health care coverage.

8.      Quality and efficiency. Participating insurance companies in the new public program will be required to report data to ensure that standards for quality, health information technology and administration are being met.

Our Response:

There is one thing the insurance companies understand, competition.  Massachusetts has proven it with their plan to allow insurance companies to sell their insurance through the state.  Suddenly, the companies are competing with each other for a massive base of constituents.

Obama’s plan is very close to that of Massashusetts offering health insurance through the Federal Government.  It isn’t national medicare for all.  It is concentrating the purchasing power of all Americans to reduce the costs of health care.  It is smart and it works in Massachusetts, so it is proven.

We like this plan and think it vastly more responsible than a Canadian Medicare-like plan and more effective than a tax incentive plan that rewards insurance companies for raising their prices further.

However, one of our readers indicated that Obama’s plan favors those with pre-existing conditions.  We had neglected that fact, and have to admit she caught us missing an issue, and most likely caught Obama in a lie.  How could anyone expect any insurance company to cover all pre-existing conditions throughout the US without either going bankrupt, increasing taxes to pay for those conditions or requiring premiums to be so high as to preclude participation?  If someone that never had insurance has a major disease or condition, wouldn’t they just immediately apply to get the government to pay for it?  Sounds like Obama may have some explaining to do on limiting what he considers to be “pre-existing conditions”.

Round one, Obama.

Round Two: Obama Versus McCain: The Iraq War. Obama Told You So

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7 thoughts on “McCain Versus Obama: Whose Plan Has You Covered On Health Care?”

  1. In his acceptance speech McCain made it clear that he thought Obama trying to fix health care would put our choices in the hands of bureaucrats. Of course, he doesn’t want women to have choices about their reproductive health, and insurance bureaucrats already change treatment protocols based on nothing more than profits… but McCain’s lobbyists have him convinced it’s all fine, my friend, so trust him to change what they tell him needs changing. See: http://obamesque.wordpress.com/2008/09/08/dear-senator-mccain-about-health-care-in-the-hands-of-bureaucrats/

  2. Only through true Universal HC where everyone…everyone without exceptions are included
    and all share in the universal costs. Hillary knows this and this was the basis of her proposal.
    It would eventually lead to Single Payer where we pool the money of 100% of the population and drop the middleman insurance.
    Hillary had the only plan that would work.

  3. Ah, good point Michele. Pre-existing conditions is another consideration that the Obama plan would favor. But Obama is vague on this. He says the plan would be similar to that offered to Congress, but they won’t cover pre-existing conditions either. We are at a loss on that.

    If the federal government contracts an insurance company or companies to offer such a plan, wouldn’t everyone with a pre-existing condition apply immediately, especially those costing potentially tens or hundreds of thousands of dollars?

    If you read our introduction, we indicate where we think the candidate is blowing smoke and promoting a pipe dream. Offering all people with pre-existing conditions insurance would either make the premiums so high for everyone else or it would tax America to death. We don’t believe Obama or anyone else can offer such a plan.

    Perhaps you have found a lie in Obama’s plan?

  4. One thing you didn’t mention about the McCain plan – from how it’s described in this article, it doesn’t help those of us who cannot get individual insurance due to pre-existing conditions. However much money I make, I cannot get coverage for unforeseeable accidents or health problems, because of the health problem I already have and can afford to treat w/out insurance. It wouldn’t matter if McCain threw $10k/year at me, it wouldn’t help me get coverage. I can’t benefit – can’t buy the car.

    Same problem with my daughter – I can’t get coverage for her simply because she has ADD – even though no insurance company will pay for mental health care in an individual plan anyway.

    It makes no sense to me – how can these things predict a catastrophic illness in the future? But regardless, it’s a serious problem for lots of people, and a tax credit does absolutely nothing for the problem.

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