Comments on: Obama And McCain On Health Care

CBS Evening News: How The Candidates' Proposals Would Affect Your Community

[rmonroe401]

I heard many groups say McCain''s healthcare plan will be a bad thing for Americans, but now that Towers Perrin, LOL, says it won''t, well heck, they must be right. I would guarantee they are far right.

[harbinger09]

This is funny--McCain made Republicans embrace a former mistress as potential first lady, illegitimate teen pregnancy, an Airhead for a VP and now they must embrace socialism and helping out the poor with a 300+ billion dollar mortgage bailout--before its over, the Republican party will seem more liberal than the Democrats and the Republicans have to swallow it--because he is all that they have.

Paying for a public bailout,ignoring subpoenas, then supporting airhead females for VP and championing pregger teens indeed--what were those conservative values again? Hypocrites.

[incog-nito]

"I will give every family, every family in America, a $5,000 credit to buy their own health insurance policy and let them choose their own doctor," McCain said. "This will make insurance affordable to every American."

Sounds great, except that it WON''T make insurance more affordable. Anybody who has to buy individual health plan knows that it''s much, much more expensive than a group plan. The whole idea of a group plan is to use the economies of scale to lower cost for everyone in the plan. Buying individual plans defeats that purpose. You''re basically throwing taxpayer money at something that''s already more expensive. That''s not to mention the real possibility that insurers will just raise premiums to pick up the slack.

[incog-nito]

The problem with McCain''s plan is that it does nothing to protect individuals from the vagaries of private insurers. People buying individual policies do NOT get the same savings and protection as those in a group plan. That means insurers can raise premiums anytime, deny coverage for pre-existing conditions, discontinue coverage at any time, etc. I know many self-employed people who have to do this, and their experience has been nightmarish. I have a friend who had his individual policy premium increase twice in six months for no apparent reason whatsoever. Also, the danger in McCain''s plan is that insurers will just raise their premiums to offset any savings from the tax credit. As bad as the current system is, McCain''s plan has the potential of making things a lot worse, not better.

Your portrayal was incredibly misleading. Senator McCain''s "deregulate and then the competition of the free market will lower costs" health care plan is Mortgage crisis redux. I have no doubt that if McCain were to implement his plan there would be a deluge of new insurance companies to fill the need of starry eyed customers new to the market. and just like those victimized by the predatory lending practices, I have no doubt hat they would spend their McCain stipend only to find their belongings left on the curbside and their children without that *** Appendectomy. We''ve done this already.

Your portrayal was incredibly misleading. Senator McCain''s "deregulate and then the competition of the free market will lower costs" health care plan is Mortgage crisis redux. I have no doubt that if McCain were to implement his plan there would be a deluge of new insurance companies to fill the need of starry eyed customers new to the market. and just like those victimized by the predatory lending practices, I have no doubt hat they would spend their McCain stipend only to find their belongings left on the curbside and their children without that *** Appendectomy.

Your portrayal was incredibly misleading. Senator McCain''s "deregulate and then the competition of the free market will lower costs" health care plan is Mortgage crisis redux. I have no doubt that if McCain were to implement his plan there would be a deluge of new insurance companies to fill the need of starry eyed customers new to the market. and just like those victimized by the predatory lending practices, I have no doubt hat they would spend their McCain stipend only to find their belongings left on the curbside and their children without that *** Appendectomy.

[sparks224]

Nov 4th 2008
High Noon for Democracy

Millions of people will attempt to vote for Barack Obama,
thousands of Republican lawyers will attempt to stop them.

[misha128-2009]

Posted by boycot-china at 10:22 PM

Do you know McCain will borrow the money from China to pay for his tax cuts?

[misha128-2009]

...

Under deregulation you will be a commodity. Choices that should be made between you and your physician
will be regulated by non-physician pencil pushers.

...

Posted by mairin27 at 11:03 PM

One significant adjustment please

...regulated by OUT OF STATE non-physician pencil pushers AND OUT OF STATE REGULATIONS ADMINISTERED BY OUT OF STATE REGULATORS

[hoovwho]

mbaugher85

I understand you completely. You worked hard, you got blessed and somehow you landed on a 250k salary job. Unfortunately, some of us work hard and still get stuck with 30k. You see, even if you are taxed a bit more, you still can afford certain luxuries many of us cannot afford. Even after taxes, you make thrice the money compared to the majority of the country. While you enjoy your wealth, we are in NEED of certain commodities, such as HEALTH INSURANCE, MORTAGE PAYMENTS, GASOLINE and so on.

No, Obama''s approach is not socialism, at the least. He is helping the issues the MAJORITY of America is facing. If you still have your 250k job, I doubt you will feel a dent during Great Depression Two while the MAJORITY of us will.

[mairin27]

Under McCains plan there will be many stipulations that most people will be unaware of, thus allowing the insurance companies to collect your premiums and denied coverage for a variety of reasons.

It is bad enough now that people with NO, ZERO, NIL, medical training, pencil pushers- make medical decisions on your coverage-who look at nothing but the bottom line and not the human life. Many of you will know of a family member, friend etc. who has been denied coverage of medical care or life saving care for one lame reason after another.

Deregulating Health care will make this worse. Physicians are feed up dealing with insurance companies who care more about the bottom line than the human life.

You think deregulation of health care will make this better or worse? Airlines were deregulated and the consumer complaints have what, gone up or down?

Under deregulation you will be a commodity. Choices that should be made between you and your physician
will be regulated by non-physician pencil pushers.

McCain has no worries, he has the best health care coverage our money can buy. We, you and me pay for his and his families health care coverage for the rest of their lives.

Under McCain''s own plan with his history of melanoma if he were dropped from an employer based insurance plan and he was a middle class citizen he would be hard pressed to find affordable coverage.

[the74blaster]

So, go right ahead and vote for Obama and don;t come whinning to me because you will have to wait in line for handouts...

Posted by boycot-china,

Interesting name for someone who is supporting McCain. If we elect McCain its going to be tough boycotting China since thats where McCain will let all bigshots export our jobs with a tax credit to boot!

Also, your numbers are totally out of line. I suggest you go to Obamas website and read his plan. If you make less than 250K like I do, we will pay less taxes under Obamas plan.

If you do not beleive me, check it out at factcheck.

[weone1]

With the 5000.00 tax cut that McCain is proposing who is that going to help. What family can afford health insurance out of their pocket? If they don''t buy the health insurance no tax cut for that family. A family health insurance plan is going to cost a lot more than $5000.00 a year. I think McCain should really explain how he is going to help with the health insurance crisis America is facing. I am making 25000.00 gross a year; my health insurance for next year has a 3000.00 deductible which means that I have to pay that $3000.00 deductible before my health insurance company pays the 80%. That brings my income down to 23000.00. My premium through my work is $400.00 month. That brings my income down lower yet. Not much to live on here compared to what those CEO%u2019s of those failed banks are getting. I don%u2019t call my health insurance affordable. We need health insurance that isn%u2019t going to break us and I really hope that Obama can help get health insurance under control and affordable. The republicans have done nothing these last years to help. Everything has gotten so much worse for us.

[boycot-china]

Obama''''s proposed tax changes: Single making 30K - tax $8,400, Single making 50K - tax $14,000, Single making 75K - tax $23,250, Married making 60K - tax $16,800, Married making 75K - tax $21,000, Married making 125K - tax $38,750 Under Obama your taxes will more than double! How does this affect you? No explanation needed. This is pretty straight forward.

OBAMA will restore the inheritance tax. How does this affect you? Before the tax was repealed many families have lost businesses, farms and ranches, and homes that have been in their families for generations because they could not afford the inheritance tax. Those willing their assets to loved ones will not only lose them to these taxes....read on...

NEW TAXES BEING PROPOSED BY OBAMA: * New government taxes proposed on homes that are more than 2400 square ft. *New gasoline taxes (as if gas weren''''t high enough already!) *New taxes on natural resources consumption (heating gas, water, electricity). *New taxes on retirement accounts and last but not least....*New taxes to pay for socialized medicine so we can receive the same level of medical care as other third-world countries!!! Change . . . What will be left in your pocket after Obama is finished with you! So, go right ahead and vote for Obama and don;t come whinning to me because you will have to wait in line for handouts...

[sweepmeoffmyfeetnow]

I was employed at a multi national billion dollar corporation. They provided health care, the only plan they provided was a re-imbursement plan, and it was cheep. The maximum payout was a thousand dollars. Don%u2019t get hurt if your young and don%u2019t get sick, pray the kids don''t break bones. I am sure the McCain plan would spur on competition if the tax was to much to aford from decent employer paid insurance, this is what they will end out with especially if they have a pre-existing condition. Huge companies wanting to get out of health care will start offering horrible insurances like this. If you have any pre-existing conditions lower income will cost-drive you to this kind of plan. The insurance was Starbridge and the company was Tesoro

[mbaugher85]

With Obama''s plan I''m not paying for the "poorer" to get even more of a discount off their insurance than I get. I want to put money in that helps me. If this senario was switched around and the poor were paying for the middle and higher working class to have insurance, the so called "poorer" class would argue it''s not fair. That''s what I''m saying under Obama, that''s not fair to the one''s who have worked hard to be where they are. Simply put, if your making 250,000 a year, biden says it''s patriotic to pay higher taxes, because the current roughly 18% which would equal 45,000 annual income taxes aren''t enough, we should raise them to 28.5% to help the poor. Thats obsurd, what was the point of me working hard to get here...to help the poor, the uninsured, and the unqualified. Call me heartless, thats not fair.

McCain calls for what our government stands for, democracy and equality, not helping those that don''t help themselves. Socialism anyone? Why go to school for that many years to become a doctor if your gonna make the same as the burger flipper?

I don''t think McCain''s plan will help the the poorer folks. In his plan, he''ll start taxing health premiums but this will be offset by a tax credit back to us. Which means if I''m making 15k a year and have a med insurance of 12k, I''ll get taxed on the 12k but after applying the tax credit, I only need to pay out 8200. now 8200 out of 15k is still a whopping ridiculous 55% of your income going to service the premiums. McCain''s plans is too simplistic certainly does not address the poor and those who can''t afford. It also will not drive down premiums as the main problem for the high premiums lies with the insurance companies. Now Obama''s approach is more comprehensive as it tackles the problem on all fronts. Make sure the poor is taken care of and businesses bear less of a burden and also going after the drug & insurance companies to lower costs. But the problem is it''s the opposite of McCain''s proposals, it addresses the issues but vague on specifics. Well, we just have to believe :)

I don''t think McCain''s plan will help the the poorer folks. In his plan, he''ll start taxing health premiums but this will be offset by a tax credit back to us. Which means if I''m making 15k a year and have a med insurance of 12k, I''ll get taxed on the 12k but after applying the tax credit, I only need to pay out 8200. now 8200 out of 15k is still a whopping ridiculous 55% of your income going to service the premiums. McCain''s plans is too simplistic certainly does not address the poor and those who can''t afford. It also will not drive down premiums as the main problem for the high premiums lies with the insurance companies. Now Obama''s approach is more comprehensive as it tackles the problem on all fronts. Make sure the poor is taken care of and businesses bear less of a burden and also going after the drug & insurance companies to lower costs. But the problem is it''s the opposite of McCain''s proposals, it addresses the issues but vague on specifics.

[misha128-2009]

Many employer based plans are from companies already outside of the state; Cigna, United Health Care etc. these companies corporate offices are not in the states that the insured employer is located.


Posted by mairin27 at 08:49 PM

But they must at this time operate in accordance with and under the regulation of the state in which the policy is ISSUED -- meaning the state of the INSURED. McCain shifts the regulatory control to the state of the company and not the insured.