Republican’s VS. Democrat’s Health Care Plan

Discussion in 'Politics' started by American Horse, May 23, 2009.

  1. American Horse
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    American Horse AKA "Mustang"

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    ( In Two Parts )

    First what the Democrats are considering – It's still a work in progress; here’s what I know about it

    Democrats want to expand the role of the Federal Government in the health insurance industry, and as a start they will probably tax small employers who don’t provide health insurance to their employees. Then they would use those revenues to subsidize the un-insured.

    Like the Republicans they will also have to go after the $300 billion employer tax subsidy, meaning the 'equivalence-to-wages' of the presently non-taxed employer provided health insurance benefit. Max Baucus, Senate Finance Chairman himself has acknowledged the need to do that, saying, it makes him feel like Willy Sutton because he recognizes “that is where the money is.” Using some part of that recaptured tax expenditure, they would create a government subsidized health insurance plan.

    Once there’s government (subsidized) insurance, the private insurance companies will disappear from the scene and we will be left with a “single payer” system, which probably everyone would agree is their real goal. Therefore they seem to be planning on doing that by vastly expanding federal regulations of health insurance and, for now, staying with the present job-related system, partly concentrating on employers to get this done.

    Because many employers are too small, employing too few people, using employer provided insurance will never accomplish what needs to be done.

    The Democrats are estimating costs for their plan at $1.5 trillion OR MORE over 10-years. Since their plan, unlike the Republican plan does nothing to encourage competition, that estimate will no doubt be on the low side.
     
    Last edited: May 23, 2009
  2. American Horse
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    American Horse AKA "Mustang"

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    Second – What The Republicans Propose

    The Republicans have a plan to provide universal coverage by channeling current subsidies for health insurance to individuals. It also provides a guarantee to access to insurance for people with pre-existing conditions. Hillary Clinton made that issue an essential principle of her own plan for universal health care during the last election, recognizing it as a pre-requisite to insuring everyone versus a direct socialized system.

    The R plan mainly involves channeling the aforementioned $300 billion annual tax subsidy for employment-based-health insurance to individuals in advance in the form of refundable, tax credits, According to their plan families would get $5,700 a year and individuals $2,300 with which to buy insurance, AND TO invest in Health Savings Accounts.

    Those with low-incomes would get a supplemental debit card of up to $5,000 to help them purchase insurance and pay out-of-pocket costs. This would bring sorely needed competition to the market because they would have an incentive to spend wisely; up to one-fourth of any unspent money in the accounts could be rolled over to the next year;, making them much more conscious of spending that money wisely because it would be their own. The combination of the refundable tax credit and debit card gives lower-income Americans a way out of the Medicaid system which is seen as a welfare benefit.

    The Republican plan which is called the Patients Choice Act will be a better fit for the structure of the American workforce as it now exists. That is because health insurance coverage to employers is leaving out 45-million Americans. The Republican’s plan takes that into account. Recognizing that employer provided plans are actually a form of income for the employees, and taxing those benefits as income will make those plans less attractive to both employees and employers. Most Americans will see little difference, tax wise. Employers will continue to have business deductions for their expense on behalf of their employees.

    The crux of the matter should be:
    Will the next health-reform continue a system of job-based health insurance or allow more individual choice with the insured no longer dependent on their employer for their insurance.

    While many Americans are fed up with private insurance, opinion polls consistently show a majority think government-controlled health care would be worse. There are problems in the private insurance market, and the Republican plan takes steps that can help.

    Which plan will better suit Americans: The plan which will make a one payer system inevitable or the plan which encourages competition and brings choice to the health industry?
     
  3. Oddball
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    Democrat plan: Do much much, more of what already has failed to deliver the goods and spend much, much more money doing so.

    Republican plan: Try to polish democrat turds.
     
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  4. American Horse
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    I disagree; the Republican plan stimulates competition by making a considerable part of the money spent by the insured their own money. People look out for their own money with a lot more diligence than they do someone elses money. No?
     
  5. 007
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    The government shouldn't even be dicking with this, dem or repub. If you want health insurance, go buy it. It isn't the governments job to buy it for you.

    But if you believe it is, please show me where it says that in the constitution.

    Just another reason why I left the republican party. They act more like the stinkin' dems every year. I'm proud to call myself an independent nowadays.
     
    Last edited: May 23, 2009
  6. Life_Long_Dem!
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    I disagree that either plan will work...it wont, it will just be more of them same bullshit with a slight new polish to it. Neither plan will be true universal health care in any way shape or form, it is that simple.
     
  7. Seraega
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    This would be a fair point if the state governments would get the fuck out of the way. Why does insurance in VA cost $200 a month for an entire family, and in NY it's $1000? I'll tell you......... regulation. We either need states to step off and allow for competition to bring down prices by a health insurance exchange - OR - we need real single payer. Any of this middle road bullshit is just going to result in more cost and less people covered.
     
  8. Life_Long_Dem!
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    very good point on dems and repubs or as I like to call them"republicrats" they are one and the same anymore and these "differing" plans are just a smoke screen for more of the same with a bit brighter polish to it!
     
  9. Oddball
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    True. Yet they've done zero to roll back Medicare/Medicaid, the extensive and idiotic FDA regs to get new medications and procedures approved, and indeed helped expand the gumint-run medicine model with the dippy prescription drug giveaway.
     
  10. Oddball
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    A lot -albeit not all- of state spending is mandated through Medicare/Medicaid requirements.
     

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