Dissected: What HuffPost Readers Found In The Health Care Bill

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First Posted: 06-10-09 08:00 PM   |   Updated: 06-10-09 11:34 PM

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The first wave of readers who answered our call to look through the Kennedy health care bill has already found a lot to highlight.

As a reminder, you can sign up here to join the research team. Or, if you can't wait, take a look at the bill and write to ryan@huffingtonpost.com. (If you don't want to be credited for your work, say so in your e-mail.)

Thomas Field, thumbing through Sec. 3105, found a section stipulating that individuals or families making less than 500 percent of the poverty level will not have to pay more than 10 percent of their income toward health care costs. Those who make below 150 percent of the poverty level would have to pay a maximum of 1 percent.

The current poverty level is $10,830 for an individual and $22,050 for a family of four. Regardless of income, those who do not buy coverage or are without coverage for 90 days will be taxed, Kris DiGiovanni and Jeoffry Gordon noted, barring poverty hardships, membership in a Native American tribe or residence in a state that does not recognize the Public Health Safety Act. The tax would be determined annually by the Treasury and Health and Human Services secretaries.

Individuals and families are required to report on their tax returns the amount spent on health insurance and the number of months each family member was insured, DiGiovanni found in Sec. 6055. Under an amendment to the Fair Labor Standards Act of 1938, employers are required to inform employees about the health coverage in their area and provide contact information.

In lieu of a public option or stronger cost controls, much of the bill focuses on a bevy of secondary issues, which one reader determined to be an attempt by Democrats to make it appear as if real reform were being taken on when in reality they were only tinkering.

Several readers, in fact, noticed that the section on a public health care option is thin. Real thin.

DiGiovanni, Gordon and Stephen McClurkin all noted its near absence. In Sec. 3116, the only definition that appears under "Public Health Insurance Option" is "[Policy under discussion]," and given what Chris Dodd has been saying, there's no guarantee it'll make it at all.

Ditto Sec. 3115, "Shared Responsibility of Employers," though the bill mandates that there be "no changes to existing coverage." Sec. 142 states that all Americans should have affordable health care choices comparable to those enjoyed by members of Congress, but does not provide a federal means of seeing that through.

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Rather, as Tim Sylvester found, individual states will set up federally subsidized systems similar to the Federal Employees Health Benefits Program, which relies on private insurers but holds them to certain standards of coverage. Sylvester calculated that he would save more than $2,000 per year on medications alone if allowed to choose among the plans in his area.

There is, however, room for a public option in the bill. In Sec. 3105, Jon Walker noticed that federal subsidies for all individuals buying private insurance are calculated based on the prices of the three lowest-cost plans, so a strong public option could significantly reduce personal subsidies overall. Given that section, Walker estimated that the Congressional Budget Office would score a bill with a public option about $15 billion cheaper per year than one without it.

David Leslie highlighted Sec. 222, which calls for comprehensive electronic records within two years of the bill's passage and a National Health Plan Identifier system to be established by the Department of Health and Human Services within one year. Besides information technology, Gordon found provisions for comparative-effectiveness studies of medical technology, fraud prevention and expansion of the health care workforce and local health departments.

A more radical move, which both Gordon and Jane Henderson found, is the establishment of a "Community Living Assistance program," or CLASS, which would subsidize home and family care for the disabled to keep them out of nursing homes or other institutions.

The bill has a lot for advocates of preventative care to like, too, Henderson said. She counted 45 appearances of the word "preventive" and 86 mentions of "prevention," excepting references to fraud prevention. The first line of the bill, which lists objectives, places "enhance disease prevention" fourth after availability, cost control and improved quality.

Preventive care also earns some enforcement language in Sec. 2708, which requires insurers to cover items or services that are recommended or strongly recommended by the U.S. Preventive Services Task Force.

Finally, Pat Eastman made a good point: Much of the bill amends or at least requires a look at the Public Health Service Act or Internal Revenue Service codes. If that seems like too much work but you'd still like to help, plenty of the 615 pages are more readable, at least by the standards of congressional legislation.

The first wave of readers who answered our call to look through the Kennedy health care bill has already found a lot to highlight. As a reminder, you can sign up here to join the research team. Or...
The first wave of readers who answered our call to look through the Kennedy health care bill has already found a lot to highlight. As a reminder, you can sign up here to join the research team. Or...
 
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I'm really not bright I know this, but on page 9 of this doc does it really state that the National Association of Insurance Commissioner's regulate the fair insurance coverage for individuals or groups? Didn't we just have a huge problem with this agency's index?

    Favorite    Flag as abusive Posted 03:49 PM on 06/26/2009
- euthman I'm a Fan of euthman 44 fans permalink
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I am a strong supporter of universal health care coverage. I am also a strong supporter of President Obama. Therefore, I am doubly disappointed that I will not be able to support President Obama's health care plan. Any program that doesn't provide universal government­-sponsored single payor coverage to everyone in the US (including illegal aliens) is simply inadequate. The insurance companies and entrepreneurial providers will game the system just as they do now.

    Favorite    Flag as abusive Posted 10:38 AM on 06/15/2009
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Got this in my email today:

Dear MoveOn member,

Less than 48 hours ago, the biggest corporations in the country declared war on President Obama's agenda. The scale of the attack is mind-boggling.

The right-wing lobbyists at the U.S. Chamber of Commerce will spend $100 million to defeat Obama's plans for health care and a clean energy economy. They call it their "most important project" in nearly 100 years.

    Favorite    Flag as abusive Posted 03:04 AM on 06/14/2009
- Susan60 I'm a Fan of Susan60 7 fans permalink

My husband gets his insurance through his employer. And it stinks. It covers nothing with huge deductibles. My kids are insured through the state. This will in NO WAY help the average family. I am uninsured because if we could affored to have 10 percent more of his paycheck taken out, I could be covered by his insurance, which as I said, stinks anyway.
They aren't trying to solve this problem. They are watering it down with no real reform at all and hoping Americans are too stupid to see it.

    Favorite    Flag as abusive Posted 01:35 PM on 06/11/2009

Am I imagining it or there more and more trolls showing up on Huffpost? Is this a coordinated action, or at least being pushed by talk shows - or am I intuiting a conspiracy where none exists?

    Favorite    Flag as abusive Posted 11:51 AM on 06/11/2009

HuffPost has been getting more and more exposure lately - and that brings in more people with more opinions than sense.

    Favorite    Flag as abusive Posted 12:05 PM on 06/11/2009
- Susan60 I'm a Fan of Susan60 7 fans permalink

You're not imagining it. I noticed it the other day over a FOX post. Comment after comment defended FOX news making me ask if the FOX employees were on a coffee break.

    Favorite    Flag as abusive Posted 01:38 PM on 06/11/2009

I get the feeling the only ones who will end up liking the new system will be the ones with jobs

    Favorite    Flag as abusive Posted 11:46 AM on 06/11/2009
- Susan60 I'm a Fan of Susan60 7 fans permalink

That's a good point. How do people who don't have a job get health insurance?

    Favorite    Flag as abusive Posted 01:39 PM on 06/11/2009
- boilinabag I'm a Fan of boilinabag 15 fans permalink
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canada spends under 10% GDP on health. we spend 20% GDP and is going up. we spend 33% on waste, overhead, and corporate compensation. Canada spends under 3%............

and best of all in single payer in canada, NO BILLS............ how would that change your life.....

    Favorite    Flag as abusive Posted 11:19 AM on 06/11/2009
- jsgaetano I'm a Fan of jsgaetano 194 fans permalink
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But TEH OMG, DAT BE TEH SOSHULIZM!!!!

It's kind of funny, conservatives keep attacking the government, saying it can't do anything right... yet there are government run health care plans all over the world which are far and away better than anything the private sector can provide.

    Favorite    Flag as abusive Posted 12:08 PM on 06/11/2009
- oldngrumpy I'm a Fan of oldngrumpy 243 fans permalink
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We also have to question why conservatives fear that private insurance couldn't compete with a gubmint run health care option. If gubmint is so inefficient they shouldn't have anything to worry about.

    Favorite    Flag as abusive Posted 12:36 PM on 06/11/2009
- SamKnause I'm a Fan of SamKnause 70 fans permalink

Nothing is going to be done about health care. If anything it sounds as if they are going to make the situation worse. Any one who is at the poverty level can not afford 10% for health care or a punishment of additional tax if they don't buy it. Forcing people who can not afford health insurance is insane. This plan is awful, and will make things worse and cause even more hardship on the very people it is suppose to be helping.

    Favorite    Flag as abusive Posted 11:13 AM on 06/11/2009
- jsgaetano I'm a Fan of jsgaetano 194 fans permalink
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RTFA. Poverty level is 1%, not 10%.

> Those who make below 150 percent of the poverty level would have to pay a maximum
> of 1 percent.

    Favorite    Flag as abusive Posted 12:09 PM on 06/11/2009
- SamKnause I'm a Fan of SamKnause 70 fans permalink

Either I misunderstood the article or you have. What I read said poverty level will have to spend 10% of their income on health insurance.

    Favorite    Flag as abusive Posted 12:26 PM on 06/11/2009

"affordable" is not 10% of my income. More like 1-2%. Kennedy's proposal is hardly affordable.

    Favorite    Flag as abusive Posted 10:51 AM on 06/11/2009

Umm, yes, it is. Right now, 60% of bankruptcies are caused by medical expenses, with or without insurance.

http://www.cnn.com/2009/HEALTH/06/05/bankruptcy.medical.bills/index.html

From that article: "On average, medically bankrupt families had $17,943 in out-of-pocket expenses, including $26,971 for those who lacked insurance and $17,749 who had insurance at some point."

10% for most anyone is doable. If you make 25k per year like I do, you'd qualify to only pay $2,500 dollars max per year. To me, that is a whole lot of money, but it's far from bankrupting me and it is a really far from 18k or 27k like in the above AVERAGES. This stipulation would single-handedly stop almost every bankruptcy caused by medical expenses.

If you can only handle 1-2% expenses, then this would be a giant leap towards "affordable" for you.

    Favorite    Flag as abusive Posted 12:06 PM on 06/11/2009

Let's change Sec. 142 states that all Americans should have affordable health care choices comparable to those enjoyed by members of Congress..
To Sec. 142 states that all members of Congress should have affordable health care choices comparable to those enjoyed by the poorest of Americans and see what happens then!

    Favorite    Flag as abusive Posted 10:43 AM on 06/11/2009
- Conk I'm a Fan of Conk 18 fans permalink
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It does not matter what the bill says. What matters is that the government stay light years away from any involvement in health care!!!!!!!!

    Favorite    Flag as abusive Posted 10:38 AM on 06/11/2009
- vippy I'm a Fan of vippy 65 fans permalink

We have to rely on government to get a grip on bad situations like the gas prices, healthcare cost coverage, etc. But our dear leaders are too invested in it and they are self-serving foremost.
Vote them all out of office until they get it right, balance a budget and represent the people!

    Favorite    Flag as abusive Posted 11:07 AM on 06/11/2009
- julia23 I'm a Fan of julia23 27 fans permalink
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The government is already involved in healthcare - medicare, medical and the VA system.

    Favorite    Flag as abusive Posted 11:16 AM on 06/11/2009
- jsgaetano I'm a Fan of jsgaetano 194 fans permalink
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And they also have to pick up the slack for the people our "great" US system doesn't provide for.

Meaning, we are already paying for health care, we just aren't getting anything for it. Which is exactly how "Fiscal Conservatives" want to keep it.

    Favorite    Flag as abusive Posted 12:11 PM on 06/11/2009

Oh yeah, you really don't want to mess up all the profit that the CEO's can made.
This need to stay in the private section, so they can made big money.....

    Favorite    Flag as abusive Posted 11:23 AM on 06/11/2009
- Liberal2 I'm a Fan of Liberal2 38 fans permalink

Kook, the government is in bed with health care. How else do you think the insurance companies got rich denying access to care?

    Favorite    Flag as abusive Posted 11:49 AM on 06/11/2009
- oldngrumpy I'm a Fan of oldngrumpy 243 fans permalink
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Health care reform won't happen in our country until we reform how we manage every facet of our economy and how we do business. Everything in America is weighted to the top. Those who control the system are the same group taking far more than they can realistically justify from the economy. We have elevated doctors and business leaders to god like status and lavished ridiculous wealth upon them. They will use that unearned wealth against our best interest to protect their largess.

America's heyday was a time when the top marginal rate of taxation was 70+% and few exclusions to taxable income were available. This rate may well be looked upon as extreme in today's political climate, but it slowed the rate at which wealth was created at the top and placed the burden of government on those who benefited most from society. Every reduction in that rate has been accompanied by a shrinking of the middle class and a growing population of poor as the resulting inflation ate into America's buying power. Those who make their money from investment are sheltered from serious damage by the simple laws of economics and compound interest. The average American is much worse off than his/her parents and that trend will continue as we move toward the two class economy that is planned for us.

    Favorite    Flag as abusive Posted 10:30 AM on 06/11/2009
- SamKnause I'm a Fan of SamKnause 70 fans permalink

You are correct.

    Favorite    Flag as abusive Posted 11:08 AM on 06/11/2009
- Liberal2 I'm a Fan of Liberal2 38 fans permalink

One necessary change you did not include: Public financing of all elections, including primaries.

Public financing is especially required in local and state elections as that's when the bribable are first idenitifed and given "campaign contributions."

    Favorite    Flag as abusive Posted 11:53 AM on 06/11/2009
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Your statement begs the question - is America too big for to get anything real done? We often look at european contries and compare our healthcare, education, taxation and such . These countries are far smaller geographically and in population. The people seem to have a much greater sway over policy decisions and that seems to correlate to the quality of healthcare and education. We know that our politicians have been bought and paid for several times over but what, as a country, have we done about it? What are we going to do and what can we do about it? We vote but that doesn't seem to affect the status quo much....

    Favorite    Flag as abusive Posted 01:29 PM on 06/11/2009
- euthman I'm a Fan of euthman 44 fans permalink
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Actually, when the marginal rate was 70+%, there were all sorts of exclusions that don't exist now. No one actually paid the 70%. As messed up as the taxation system is now, it is eminently more fair than what existed under those high marginal rates.

    Favorite    Flag as abusive Posted 10:42 AM on 06/15/2009
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Indeed.
We need to slay the beast that is our corporate government. Campaign finance reform, regulation and accountability is the only thing to stop our slide into the depths of permanent peasantry.
I am just unsure how anything short of revolution has a snowball's chance in he|| of achieving such things.
Ideas?

    Favorite    Flag as abusive Posted 01:59 PM on 06/22/2009
- PaxEterna I'm a Fan of PaxEterna 63 fans permalink

WHY is this story the last story on the front page of HP?

It should be right up there with the picture of REAGAN.

    Favorite    Flag as abusive Posted 10:21 AM on 06/11/2009
- Sandmanj I'm a Fan of Sandmanj 33 fans permalink

Here I imagined the Kennedy of old would come forward with a bold new public health care plan and it looks like the old lion has roared his last roar, and given in to the powers that be. Nothing really new here - just more of the same rotten, corrupt, insurance industry noose around everyone's necks.

    Favorite    Flag as abusive Posted 10:17 AM on 06/11/2009
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615 pages? I want to smack Kennedy right now. How the hell am I going to read 615 pages?

    Favorite    Flag as abusive Posted 09:57 AM on 06/11/2009
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