Kim Mance breaks down some of the key points in the Obama and McCain health care plans. I have a few thoughts to add.
I didn't realize this, but the debate about a national health care system goes back much further than when Bill Clinton attempted to implement one when he was first elected way back in 1992. "Both Roosevelt and Truman called for health care to be an 'economic right.' Truman then proposed a single-payer health program to cover all Americans. But it was called a 'Communist plot' by a House subcommittee after the American Medical Association denounced it." Funny (not ha-ha funny) how one of the current digs at Obama is that he's a "socialist". I guess socialist is the new communist.
A key difference between their proposals is, "how to ensure that all Americans have access to health insurance. Both want there to be no 'state lines' as there are now, so families can shop around for the best plan. However, Obama will regulate and require insurance companies to cover patients regardless of pre-existing conditions, and McCain will not. McCain will instead work with Governors on (fifty separate) plans to optimize access to health care within each individual state."
One thing that I find very interesting, and encouraging, is that at least both sides are talking about getting more people covered. Back in the 1990's, it was much more of an "us against them" situation, with the Democrats wanting a national health care system and the Republicans wanting everything to stay the same.
To me, a sign that the McCampaign is out of touch on this particular issue is the notion that a family can purchase health coverage for $5,000, or even that they can purchase it at all. First, as Mance points out in her Babble article, $5,000 covers less than half of the typical family's yearly health insurance bill. Obama says that the cost is $12,000, Mance cites a study that puts the number at $12,680. Second, as someone who has run a small business and offered health insurance to employees, I can tell you that it is not that simple to just go buy a plan the way McCain says it is. For an individual, it is significantly more difficult. Health insurers simply don't want to talk to individuals about coverage, they prefer to deal with "groups", meaning employers. So while it sounds nice to say, "hey, here's five grand, you can buy whatever health plan works best for you", it's just not that simple.
There are more details discussed in Mance's article, which is very much worth a read. The bottom line? It's hard to tell what will happen no matter who gets elected, but they agree that the current system isn't good enough. "Neither presidential candidate's health care plan brings us anywhere near a true socialized medicine or single-payer system. But they do both point out the many ways our own health care structure can be improved." That's at least something.
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