(Senator McCain's health care plan) Senator McCain's plan threatens existing employer-based health care. His plan calls for eliminating existing tax break offered to employers, who provide workers with health insurance, the fallout being that the Employers simply stop offering healthcare to its employees, pushing workers into the private insurance market, leaving people to fight big insurance companies on their own. Thus leaving people with reduced benefits, higher insurance and leave many with no health care coverage at all.
(For the Working Families) McCains plan would shift the burden from employers to workers. Although he offers to makes premiums part of taxable income, in view of already rising cost his offer would bring little or no relief, due to fact only in the last 3 or 4 years since families received their insurance from their employers. The insurance premiums have already rose over 30% outpacing the average American's Income which only has had a rise of about 2-3 % in the same time period. If Senator McCain's plan were implemented, it would only shift the burden of higher cost of healthcare on the already hard-working families of America.
(Rising Costs to Employees) McCain's moderate tax credit he proposes to give people to cover his new tax plan will cover less than half the usual health premium, where by leaving workers to pay the difference. Also, by promoting high-deductible Health Savings Account (HSA) plans, which will only provide fewer benefits at a steeper cost, which in turn will make the high costs of individual insurance not affordable for the majority of working people.
(The Big Insurance Companies would then have the American people by the throat, The Big Squeeze) Senator McCain's continues to argue that creating competition and less regulation in the private market will decrease costs and get more people covered. Many authorities have stated this simply is not true. Senator McCains plan is more likely to encourage employers to stop offering health care to their employees, which will force workers into an unregulated private insurance market, leaving us to go it alone. The unregulated ‘Big insurance companies' are then free to refuse people with long-term health care needs and preexisting illness, limit benefits as they choose, and burden the average worker with exorbitant premiums.
(Making for many, health care insurance difficult to obtain) The people left with no chose, due to being forced into the private health care market and promoting HSAs, opens the door for the insurance companies to solicit only the healthiest individuals, and enabling them to refuse coverage to people with preexisting conditions. So the elderly, children and others with pre-existing or long term illnesses as diabetes or other life-threatening diseases like leukemia, cancer, heart disease, HIV naming only a few, this majority will have a difficulty finding coverage, if any. Unless they are able to pay exorbitant premiums as exemplified.
*Many authorities are openly critical of McCain for this part of his plan, because McCain himself would be refused coverage on the individual basis due to the fact of his having melanoma 15 years ago. Yet for Senator McCain this would not be a problem, for the U.S. Government covers him under the Federal Employees Health Benefit Plan.
Where in comparison, Senator Obama offers a healthcare plan; Offering to implement for the American people the same or similar health care plan of the government officials and its employees.
(Senator McCain's health care Plan, if implemented would lessen the Quality of Available Health Care Plans) Many states have laws regulating health care quality by requiring basic services to be included in health care coverage. McCain's proposal surpasses these laws, resulting in lower quality coverage, subsequently leaving people with little or no consumer protection.
Tags: McCain Health Care Plan Politics
