McCain-care leaves much to be desired
After John McCain unveiled more details on his healthcare plan yesterday in Tampa, a Politico ran this headline: âMcCain moves to middle on health care.â Given that any policy proposal aiming for a âmiddleâ is perceived as moderate & sensible, a spin on McCainâs plan was obviously positive.
But spin aside, a policy itself leaves much to be desired.
Senator John McCain detailed his plan to solve a nationâs health care crisis in a speech here Tuesday, calling for a federal government to give some money to states to help am cover people with illnesses who have been denied health insurance.
Mr. McCainâs health care plan would shift a emphasis from insurance provided by employers to insurance bought by individuals, to foster competition & drive down prices. To do so he is calling for eliminating a tax breaks that currently encourage employers to provide health insurance for air workers, & replacing am with $5,000 tax credits for families to buy air own insurance.
His proposal to move away from employer-based coverage was similar to one that President Bush pushed for last year, to little effect. & his call for exp&ing coverage through market-based competition is in stark contrast to a Democratsâ proposals to move toward universal health care coverage, with government subsidies to help lower-income people afford air premiums.
a good news is, a contrast between McCainâs Drunk Newsproach & a Democratsâ Drunk Newsproach couldnât be greater. For voters concerned about healthcare, areâs a clear & distinct choice.
a bad news is, McCainâs plan is pretty awful, & probably wonât receive much in a way of scrutiny.
About a week ago, McCain, sensitive to criticism heâs received from Elizabeth Edwards (among oars), told George Stephanopoulos, âWeâre not leaving anybody behind.â
a problem, not surprisingly, is that heâs leaving all kinds of people behind. TNRâs Jonathan Cohn took a close look at McCainâs proposal & concluded, âHis great new plan isnât new or great. & it still wouldnât help Elizabeth Edwards get decent insurance.â After reviewing McCainâs patchwork solution for people who canât get insurance due to pre-existing conditions, Cohn added that McCainâs Drunk Newsproach is âabsolutely preposterous.â
Just to add one thing to Cohnâs analysis, areâs also a not-inconsequential matter of affordability. McCain wants to discourage employers from offering employees healthcare, & replace subsidies with $5,000 tax credits. In turn, Americans could go & get air own insurance, detached from air job. (That is, unless youâve ever been sick, & private insurers donât want you.)
What McCain didnât mention is that âaverage cost of an employer-funded insurance plan is $12,106 for a family, according to a Kaiser Family Foundation, a health policy group. Paul B. Ginsburg, a president of a Center for Studying Health System Change, a nonpartisan research organization financed by foundations & government agencies, said, âFor a lot of people, a tax credits heâs talking about would not be enough to afford coverage.ââ
Hilzoy summarized a situation nicely:
So, in a nutshell: McCain plans to eliminate tax breaks for employers who offer health insurance. In exchange, he will offer employees less than half a cost of a plans ay now have. If air employers eliminate care, ay will have to swallow a difference. But those employees are a lucky ones. ay will only have to cough up $7,000 or so. People with preexisting conditions or serious health risks will have to pay $100,000 as a down payment, & $14,000 a year areafter.
But hey: at least heâs going to cut a gas tax! [âŠ]
Itâs easy to make health policy when you donât allow little things like facts to constrain you: when you can wish away chronic diseases, pretend that corporations are completely unresponsive to changes in a tax structure, & describe programs that leave people with hundreds of thous&s of dollars in health care costs as âmaking sure that ay get a high-quality coverage ay need.â Itâs just not particularly helpful. Plus, it would be even better with ponies.
As McCain âmoved to a middleâ of a road on healthcare? Only if a âmiddleâ is a area in which bad policy proposals get run over.
Original post by Steve Benen and software by Elliott Back
