The House passed health care reform on Saturday night. I know it’s a big deal. I know it’s the furthest we’ve gotten
in, well, ever. I suppose we should celebrate.
I don’t want to be
a downer – I really don’t. But I can’t believe it’s been this hard. I can’t believe people are talking about how hard it’s still going to be.
Listening to the rhetoric from the minority party, you would think
President Obama was trying to make communism look like socialism. It would be funny if it weren’t so sad.
How far has the Right (and the Left) moved to the right? Bear with me as I take you into the
A president sends a “Special Message” to Congress. He’s proposing comprehensive health care reform. Here are his words:
Without adequate health care, no one can make full use of
his or her talents and opportunities. It is thus just as important that
economic, racial and social barriers not stand in the way of good health care
as it is to eliminate those barriers to a good education and a good job.
Today the need is even more pressing because of the higher
costs of medical care. Efforts to control medical costs under the New Economic
Policy have been Inept with encouraging success, sharply reducing the rate of
inflation for health care. Nevertheless, the overall cost of health care has
still risen by more than 20 percent in the last two and one-half years, so that
more and more Americans face staggering bills when they receive medical help
Guy makes a good point. What does he want to do?
Upon adoption of appropriate Federal and State legislation,
the Comprehensive Health Insurance Plan would offer to every American the same
broad and balanced health protection through one of three major programs:
--Employee Health Insurance, covering most Americans and
offered at their place of employment, with the cost to be shared by the
employer and employee on a basis which would prevent excessive burdens on
How would that work?
Every employer would be required to offer all full-time
employees the Comprehensive Health Insurance Plan. Additional benefits could
then be added by mutual agreement. The insurance plan would be jointly
financed, with employers paying 65 percent of the premium for the first three
years of the plan, and 75 percent thereafter. Employees would pay the balance
of the premiums. Temporary Federal subsidies would be used to ease the initial
burden on employers who face significant cost increases.
Now that’s a powerful employer mandate. I see no small
business exclusion. That’s way
more than anyone is pushing right now.
--An improved Medicare Plan, covering those 65 and over
and offered through a Medicare system that is modified to include additional,
So this president wants to strengthen Medicare. Fair enough. I’m listening.
What’s the last part?
--Assisted Health Insurance, covering low-income persons,
and persons who would be ineligible for the other two programs, with Federal
and State government paying those costs beyond the means of the individual who
But how would this fancy Assisted Insurance work?
The program of Assisted Health Insurance is designed to
cover everyone not offered coverage under Employee Health Insurance or
Medicare, including the unemployed, the disabled, the self-employed, and those
with low incomes. In addition, persons with higher incomes could also obtain
Assisted Health Insurance if they cannot otherwise get coverage at reasonable
rates. Included in this latter group might be persons whose health status or
type of work puts them in high-risk insurance categories.
Assisted Health Insurance would thus fill many of the gaps in our present
health insurance system and would ensure that for the first time in our
Nation's history, all Americans would have financial access to health
protection regardless of income or circumstances.
A principal feature of Assisted Health Insurance is that it relates premiums
and out-of-pocket expenses to the income of the person or family enrolled.
Working families with incomes of up to [a certain amount], for instance, would
pay no premiums at all. Deductibles, co-insurance, and maximum liability would
all be pegged to income levels.
There would be no exclusions of coverage based on the nature
of the illness. For example, a person with heart disease would qualify for
benefits as would a person with kidney disease.
And how would you make sure that happens?
The States would approve specific plans, oversee rates,
ensure adequate disclosure, require an annual audit and take other appropriate
measures. For health care providers, the States would assure fair reimbursement
for physician services, drugs and institutional services, including a
prospective reimbursement system for hospitals.
massive amount of government regulation.
This guy loves his government oversight and intervention. Moreover, he doesn’t seem to want to
leave anything to the free market system.
OK, so we have lots of people getting insurance from their
employer. People over 65 get strengthened Medicare. The rest would get
subsidies to buy private insurance.
No one could be denied insurance because of prior conditions. States
would closely regulate insurance and reimbursement. This sounds
awfully familiar; the
conservatives must have hated him.
Who was this communist?
Can we stop pretending this is government run amok? Can we stop pretending this is
unprecedented? Can we stop
pretending that every cry of socialism, of communism, of fascism is reasonable? Please?
President Obama has proposed a plan that is slightly to the
right of President Nixon. It’s a
remarkably moderate incremental sort of reform that a reasonable conservative should recognize as his or her own.
I don’t think this reform is enough, and I won’t stop saying so. There are plenty of rational reasons to criticize it. But it’s not nearly as radical
as some are pretending it is. They should stop.
Read more about health care policy and get your
questions answered at Rational Arguments.
Follow Aaron E. Carroll on Twitter: www.twitter.com/DSYGAaron