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

This is a continuing series on the Primary Issues of the Presidential Election 2008. | Read Round One: McCain Versus Obama on the issue of Health care. | Round Two: Their take on the Iraq War. | Round Three: Obama Versus McCain on Free Trade. | Part One of Round Four on Natural Resources and Fossil Fuels, here. | In Part Two, we think the Democrats, Republicans And We All Are Misguided. | Part Three: McCain’s Position. Hypocrites Need Not Apply!! | Part Four: Obama Will Save The World, But the US will Go Broke in the Process | Round five: Is the US the Melting Pot or the Stagnation Pot? The candidate’s position on Immigration | Round Six: On the Issue of Abortion | Round Seven: McCain Versus Obama on Social Security: Obama Needs a Fundraiser, McCain Missing in Action | Part one of Round Eight: McCain Versus Obama on National Security, Obama’s Position | Part two of Round Eight: McCain Versus Obama on National Security, McCain’s Position

UPDATED: October 11, 2008

We originally came to the conclusion that Obama’s plan for health care was vastly better than McCain’s.  We believed that the money given through a tax credit to pay for health care in McCain’s plan would just provide the opportunity for the insurance companies to raise prices, and that a universally available plan that was affordable to everyone was a great idea. To read our original opinion, complete this article to the end to see where we went wrong.

After we submitted our article, one of our readers pointed out to us that a major part of Obama’s plan is to take everyone into the health care plan, even those with pre-existing conditions, and we started to wonder how that would be paid for and by whom?

Obama’s health plan is modeled after the plan instituted last year in our home state.  Massachusetts’ health plan, within just one year, has clearly demonstrated how completely wrong we were.  The state has instituted the exact same plan as Obama promises. Let’s see how well it has worked.

Massachusetts told us how our health care would get more “affordable” if we forced everyone to purchase health care, but then they imposed a subtle and huge tax increase on citizens of the state.  They required that all insurance companies cover all pre-existing conditions, no matter how serious, no matter how long they have existed and no matter how old the patient is.  Take a second to think about that before you read further.  No matter how long a person has been ill, no matter how old they are, no matter what state or federal government program had covered them in the past, they get to jump on the plan with the healthy and young.  DO they pay more because they cost vastly more to cover?  Actually, it is just the reverse.  The state makes it even more painful by subsidizing the elderly and sick, forcing even more of the expense on the healthy and young.

The promise in Massachusetts was that insurance premiums would drop.  Instead, what has happened is policy prices have skyrocketed 40% in a year as the healthy are forced to pay for the unhealthy and elderly, many that had been supported by state health programs.  It is a great deal for the state, the sick and elderly, and a sharp indirect tax increase on the healthy and young.

Many have insurance through their jobs and thought that they were safe.  But the fact is that their plans have soared in price as well and the companies in Massachusetts are being left with hard choices to reduce their health care coverage for their employees, charge significantly higher contributions to help pay for the healthcare or cut jobs to pay for the massively increased costs.  This burden falls particularly hard on small businesses, the type that Obama says he will help.  He says that he will only impose a tax increase on small businesses that earn over $250,000, but almost any small business with more than two employees meets that criteria, so they will raise their taxes and hit them with the sharpest increase in health care costs in our history.

So, what do the Democrats and Obama hope to gain?  To get the healthy to pay for Medicare, Medicaid and other medical problems the US used to fund through entitlements.  It is a huge tax increase that people just cannot see yet.  We are seeing it clearly and painfully in Massachusetts in only one year!!  The cost for a decent plan in Massachusetts has skyrocketed to $20000 to $24000 a year! There are cheaper plans, but they have HUGE deductibles amounting to thousands and sometimes tens of thousands of dollars.

This is a subtle way to shift the cost of Medicare, Medicaid and government programs to business, the healthy and the young. It also gets the insurance companies to collect the hidden tax.  If you decide that you cannot afford it, or if you legitimately cannot afford it, what do they do?  They penalize you on your taxes.  Massachusetts REQUIRES that you have the insurance or they charge you tax penalties.  Exactly what Obama endorses.

The result?  Insurance companies have raised prices 40% in a year because they know you have to buy their coverage.  Deductibles have soared and coverage for well-care such as blood tests are no longer covered by many plans until a huge deductible is satisfied.  Where is that money going?  To pay for the elderly and sick that can jump on the plans at any time.  In fact, the sick and elderly can even to Massachusetts from other states and jump on board.  It is health welfare paid for by Massachusetts victims, er, citizens.

This is the Massachusetts government mindset.  If they cannot directly raise taxes in the obvious way, they run interference and get you to pay the tax another way.  If you do not believe us, just check out the huge increases in insurance rates in Massachusetts following institution of their plan.  Then realize the disaster it would be if applied nation wide.

Massachusetts lied to its citizens telling us that its plan would reduce health care costs.  Instead, our premiums soared 40% in one year!  It is cheaper for many to drop their health care insurance, pay the tax penalties and just jump on board if they get ill.  This makes the premiums even more expensive.  The state collects extra taxes and defers all their expenses to business, the healthy and the young.

Forcing society to pay massively increased taxes through their health care organization is NOT the way to address Medicare and Medicaid problems.  It is a way to make the healthy poor.  This plan must be defeated even if Obama gets elected.  It is a tax increase of astronomical proportions.

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The Primary Issues Of The Presidential Election 2008 Obama versus McCain

We have read the speeches and followed the conventions and read much of the emotional fluff that goes into any election. Fact is, this comes down to fundamental issues we all care about.

Now, how does a candidate give you the warm feeling you need to make sure you don’t leave a chad hanging when you vote? To totally commit to a candidate, you have to believe in the entire package. So, they feed you a package, with the edge taken off of each primary issue.

The problem is that by the time November comes around, you really don’t know what you are voting for or against, so you tend to vote your party, which you may have chosen because your father was a member of that party, or maybe because he wasn’t!! Perhaps it is your current group of friends, or maybe it is the persuasion of a particular set of folks that convince you, or maybe you even just make the decision in five minutes over a glass of wine.

But the fact of the matter is most people that vote for President, do not understand half the issues when they make their selection. It is not because they lack intelligence, and we have been as guilty as the rest. It is where we focus our time. The selection of President is clearly critical to the nation, but so is paying the bills, dealing with taxes, and taking care of your children. How much time is there in a day? Is it possible that we allow the hyperbole of the election to drive our selection, and is it any surprise that quite often it is the candidate raising the most money that gets our vote in the same way the brand name products get placed in our shopping cart?

We are going to attack the issues one at a time between now and the election and pin down the candidates on their side. We ask for your inputs where you feel we are wrong or right. And we want to determine, one by one, which man is the better selection for President.

We do ask you that you realize one primary issue. No matter what ideals the candidate holds and how many promises they make, they will not and cannot keep them all. Most are ideals they hold that allow you to identify with them. Many will turn out to be a lost cause and seem like false hope. So another objective is to let you know where we feel the position your candidate is taking is likely a pipe dream and an ideal, but cannot happen in the real world.

Welcome to myrealitytelevision.com. Please feel free to make yourselves part of our reality!

This is a continuing series on the Primary Issues of the Presidential Election 2008. | Read Round One: McCain Versus Obama on the issue of Health care. | Round Two: Their take on the Iraq War. | Round Three: Obama Versus McCain on Free Trade. | Part One of Round Four on Natural Resources and Fossil Fuels, here. | In Part Two, we think the Democrats, Republicans And We All Are Misguided. | Part Three: McCain’s Position. Hypocrites Need Not Apply!! | Part Four: Obama Will Save The World, But the US will Go Broke in the Process | Round five: Is the US the Melting Pot or the Stagnation Pot? The candidate’s position on Immigration | Round Six: On the Issue of Abortion | Round Seven: McCain Versus Obama on Social Security: Obama Needs a Fundraiser, McCain Missing in Action | Part one of Round Eight: McCain Versus Obama on National Security, Obama’s Position | Part two of Round Eight: McCain Versus Obama on National Security, McCain’s Position