President's health care proposal, lets have a serious conversation....
By xfahctor
@xfahctor (14118)
Lancaster, New Hampshire
February 22, 2010 4:04pm CST
I have only started going over Obama's proposal so I am reserving most of my comentary till i have explored it more. but i supose if every one of us is reading it as well we can chug through it a little quicker couldn't we? I'd like to have one decent, intelligant conversation on this thing rather than respond to 20 generalized talking points that have no genuine governmental merrit. And on that note I would like to discuss this entirely on in that manner. I will expect participants in this conversation to defend your theories and statements on their own merrit.
I am including a link to the proposal, please go through it as it would be extremely helpfull to your points to include relevent text from it to substantiate your commentary. You don't have to go through every part right this second before responding, but do have a rudimentary knowlege on a part of it at least to begin forming an informed analyisis.
I will say he lost me at the enforced coverage. I had previously stated in a response to a discusion that if that were in it it would be a deal breaker for me so i cant support this plan in it's entirety untill I see that part go away. I am still reading so I'm sure (read begging goddess) there is some parts I can work with.
Let the disection begin!
7 people like this
7 responses
@Rollo1 (16679)
• Boston, Massachusetts
23 Feb 10
I have spent some time on the proposal - which isn't easy because even the WH site doesn't give you good links to find it (why hide?)and I may be missing some points but here are some things that caught my attention:
Point one: The bill not only still requires everyone to buy insurance, it actually increases the fine for not not buying insurance by increasing the income assessment. I still believe it is unconstitutional for the government to force people to purchase anything, whether it's toothpaste, toilet paper or health insurance.
Point two: The proposal from the president still includes the tax exemption for the unions on their cadillac health insurance plans, so it treats one section of the population more favorably than others. All men are created equal unless they belong to a union, then they are just slightly more equal than the rest of us?
Point three: Although Ben Nelson's cornhusker deal is gone, the Landrieu bribe is still in there. I don't believe in legislation that contains specific bribes for votes.
Point four: Government control of the marketplace by setting up insurance exchanges and setting rates for companies participating. Rates that are set too low will cause health care quality to diminish, cause care shortages and ultimately put insurance companies out of business.
Point five: Obama announced in the first month of his reign - I mean, presidency - that he wanted to defund Medicare Advantage. A huge outcry from our seniors (bless their souls) has prevented that from happening entirely, but this plan starts by reducing payments to MA plans by 14%, stating that they are overcharging. I think this is a first step to eliminating these valuable HMO and PPO type plans that save seniors money and provide a greater level of coverage for them than original Medicare, especially in that they include prescription coverage with no additional premium (unlike Medicare).
Point six: Obama chose to avoid including the Stupak amendment and so leaves the door open for funding of abortion through federal subsidies of health insurance plans that cover abortion and through direct funding to community health centers. As I am pro-life, I object to federal funds being used to fund abortion.
And just in case you think I have nothing but complaints, there is one point in the proposal that I like. Every member of Congress will be required to purchase their insurance from the new health insurance exchange.
2 people like this
@anniepa (27955)
• United States
23 Feb 10
I WAS a federal employee for 18 years. Our plan was pretty much the same thing the exchange will be, that's what the idea is being modeled after. The insurance plans we get to choose from have all met conditions set by the government such as they're not allowed to deny anyone due to preexisting conditions or charge more for females of child bearing age. Which plans and how many we can choose from varies according to where we live. The plan I had, and still have but now it's under my husband's employer, is available only in Pennsylvania.
Annie
2 people like this
@Rollo1 (16679)
• Boston, Massachusetts
24 Feb 10
Employers negotiate with different insurance companies and the Human Resources department works to get the best deals on the most comprehensive plans at the best prices to offer to employees. In 21 years I never witnessed one of those plans charging any different price according to gender or age. Plans were for Employee, Employee +1, Employee + family, etc... The federal government is like that employer who finds and offers the best plans available to them. If you go to buy private insurance, that isn't through a group, you may face some varying rates based on different criteria. The idea is to get the best deal. Allowing companies to sell insurance across state lines will increase competition which always benefits the consumer. Why is Obama so opposed to this?
The exchange will affect all plans and all companies. Although the WH says it will increase competition this is impossible with the government setting rates and mandating what every plan will provide in coverage. I live in a state where auto insurance rates are set by a state commission. This has not increased competition, in fact, many insurers left the state, unable to make a profit. Consumers lose because they now have less choice when looking for insurance. Insurance has to include risk assessment and rates have to be set to reflect that. In an environment where you cannot give better rates to lower risks than you do to higher risks, there is no chance to compete for better business. The Health Insurance Exchange is just a precursor to driving insurance companies out of business.
1 person likes this
@jb78000 (15139)
•
22 Feb 10
'I'd like to have one decent, intelligant conversation on this thing'
oh good luck. seriously i hope you get what you want. i think one version of my my name does belong also to the patron saint of lost causes. unfortunately i can't help here because i have absolutely no intention of reading the thing.
2 people like this
@anniepa (27955)
• United States
23 Feb 10
As I said, I've yet to find a link that works for me to read the entire proposal. However, I thank you for starting this "conversation". I'll bet we can do better than they do at the "summit" coming up on Thursday. All we need to do that is keep our minds open, something I don't think some of those in Congress are capable of.
Annie
1 person likes this
@LilPixelle (828)
• United States
24 Feb 10
In the PDF of the key improvements, at the end of page three, and into page 4,(no I don't know if I'm doing this right :P) It still lists one of my main concerns. "Improve individual responsibility" If I am understanding correctly, If I were married and our household made more than 18,700$ a year and we had access to health care but chose not to take it, we would be forced to pay 8% of our income to offset our "Inevitable health care costs" Personally I think my money would be better off saved for those same possible costs, or for better quality food. This would have to be repealed before I could ever support it.
Forgive me if I misunderstood this, but this is also a place to give possible suggestions to help our countries medical care as well right? In that case, I think the best thing we could do to offset or take care of the high costs of Diebetes treatments and medicines, Cardiovascular related treatments, and the costs of the effects of obesity, would be to repeal the farmer subsidiary program that was established in '72. Which would make it so that the high fat and sugar content foods that seem to seriously help cause these illnesses would be more expensive than the healthier foods.(it's all in the corn) It would also put a damper on Illegal immigration (but that's not what this is about :P)
Feel free to correct me if I got out of line :) and that's it until I read more, and thanks for the link btw :)
1 person likes this
@valentinesdiner (1214)
• United States
22 Feb 10
Haven't had the chance to see it, but as long as it stops abuses like "pre-existing conditions", huge increases in premiums and insurance for the uninsured, I am ready to offer support.
2 people like this
@xfahctor (14118)
• Lancaster, New Hampshire
23 Feb 10
Well, instead of relying on hope or other people's say so...have a read of it yourself...that way you can develop an informed opinion and will be ready to back your arguments for it if it is genuinely a good proposal..
www.whitehouse.gov/health-care-meeting/proposal
1 person likes this
@skysuccess (8858)
• Singapore
26 Feb 10
x,
No offense here, I just want to add an observation of mine which is more of a macro perspective.
In view of this bad economic weather and your country's financial rescue aid to the near collapse of your country's insurance companies. There is really not much choice. Making the health insurance mandatory to all Americans here, will not only provide the necessary financial coverage for medical treatment to all but on a broader perspective will help to revive the insurance industry and eventually the country's economy.
IMO, your country is really into a lot and the debts are just piling and ever more so with this current economic turmoil. I feel that everyone at the office does not have an easy task especially when the burden is unbearably heavy.
On the hindsight, do you think there'll be a better solution where we can benefit all parties other than this proposal? I just do think so at the moment.
Have a nice day.