Palin’s Homespun Homilies on Healthcare: Her Reality Bites

You decide…You decide…If you have not yet read New York Times columnist Paul Krugman’s article that compares the healthcare plans of presidential candidates Barack Obama and John McCain, I hope you take the time now to do so. In fact, I’ve posted it here, below.

Here are some facts that you should be aware of:*Tina...or Sarah? You decide...

1. Nearly 47 million Americans have no health insurance.

2. 8.5 percent of these are children under the age of eighteen.

3.  As for women in general:

–   Between the ages of 18-24,  24.7% are uninsured.

–   Between the ages of 25-34, 22.2% are uninsured.

–   Between the ages of 35-44, 16.3% are uninsured.

–   Between the ages of 45-64, 11.9% are uninsured.

All told, 14.8 percent of women in America are currently uninsured.

And those of us that are, we pay more and more each year, to get less and less services covered–which is probably why the number of those dropping their healthcare coverage is rising.

Worse yet, should you have a pre-existing condition, your chances for reducing your costs are nil, let alone changing carriers, should your current provider drops you.

Sadly on Thursday’s vice presidential debate,we didn’t hear any “straight talk” from Sarah Palin at all, let alone on this issue. Just some rehearsed albeit folksy soundbites.

Sarah, wanna truly be a maverick, instead of a maverick wannabe? Go against John McCain’s stated policy on the issue of our healthcare coverage.

And hey, if you need to memorize a few soundbites to make your point, read Mr. Krugman’s column below. It doesn’t have any of your colorful “by gollys” and “you betchas” but as long as you get your facts right (Wow! Now, there’s a novel approach!), feel free to throw in a few, now and then.

It ain’t about the gender; it’s about the policy,

Josie Brown – Relationships Editor

*DATA SOURCE: National Health Interview Survey, January–March 2008. Data are based on household interviews of a sample of the civilian noninstitutionalized population.

October 6, 2008

Op-Ed Columnist / New York Times

Health Care Destruction

Sarah Palin ended her debate performance last Thursday with a slightly garbled quote from Ronald Reagan about how, if we aren’t vigilant, we’ll end up “telling our children and our children’s children” about the days when America was free. It was a revealing choice.

You see, when Reagan said this he wasn’t warning about Soviet aggression. He was warning against legislation that would guarantee health care for older Americans — the program now known as Medicare.

Conservative Republicans still hate Medicare, and would kill it if they could — in fact, they tried to gut it during the Clinton years (that’s what the 1995 shutdown of the government was all about). But so far they haven’t been able to pull that off.

So John McCain wants to destroy the health insurance of nonelderly Americans instead.

Most Americans under 65 currently get health insurance through their employers. That’s largely because the tax code favors such insurance: your employer’s contribution to insurance premiums isn’t considered taxable income, as long as the employer’s health plan follows certain rules. In particular, the same plan has to be available to all employees, regardless of the size of their paycheck or the state of their health.

This system does a fairly effective job of protecting those it reaches, but it leaves many Americans out in the cold. Workers whose employers don’t offer coverage are forced to seek individual health insurance, often in vain. For one thing, insurance companies offering “nongroup” coverage generally refuse to cover anyone with a pre-existing medical condition. And individual insurance is very expensive, because insurers spend large sums weeding out “high-risk” applicants — that is, anyone who seems likely to actually need the insurance.

So what should be done? Barack Obama offers incremental reform: regulation of insurers to prevent discrimination against the less healthy, subsidies to help lower-income families buy insurance, and public insurance plans that compete with the private sector. His plan falls short of universal coverage, but it would sharply reduce the number of uninsured.

Mr. McCain, on the other hand, wants to blow up the current system, by eliminating the tax break for employer-provided insurance. And he doesn’t offer a workable alternative.

Without the tax break, many employers would drop their current health plans. Several recent nonpartisan studies estimate that under the McCain plan around 20 million Americans currently covered by their employers would lose their health insurance.

As compensation, the McCain plan would give people a tax credit — $2,500 for an individual, $5,000 for a family — that could be used to buy health insurance in the individual market. At the same time, Mr. McCain would deregulate insurance, leaving insurance companies free to deny coverage to those with health problems — and his proposal for a “high-risk pool” for hard cases would provide little help.

So what would happen?

The good news, such as it is, is that more people would buy individual insurance. Indeed, the total number of uninsured Americans might decline marginally under the McCain plan — although many more Americans would be without insurance than under the Obama plan.

But the people gaining insurance would be those who need it least: relatively healthy Americans with high incomes. Why? Because insurance companies want to cover only healthy people, and even among the healthy only those able to pay a lot in addition to their tax credit would be able to afford coverage (remember, it’s a $5,000 credit, but the average family policy actually costs more than $12,000).

Meanwhile, the people losing insurance would be those who need it most: lower-income workers who wouldn’t be able to afford individual insurance even with the tax credit, and Americans with health problems whom insurance companies won’t cover.

And in the process of comforting the comfortable while afflicting the afflicted, the McCain plan would also lead to a huge, expensive increase in bureaucracy: insurers selling individual health plans spend 29 percent of the premiums they receive on administration, largely because they employ so many people to screen applicants. This compares with costs of 12 percent for group plans and just 3 percent for Medicare.

In short, the McCain plan makes no sense at all, unless you have faith that the magic of the marketplace can solve all problems. And Mr. McCain does: a much-quoted article published under his name declares that “Opening up the health insurance market to more vigorous nationwide competition, as we have done over the last decade in banking, would provide more choices of innovative products less burdened by the worst excesses of state-based regulation.”

I agree: the McCain plan would do for health care what deregulation has done for banking. And I’m terrified.

Copyright 2008 The New York Times Company

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