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Posts Tagged ‘health care’

Court Blocks Hikes Sought by Massachusetts Health Insurance Corps.

Wednesday, April 14th, 2010

A Massachusetts court yesterday blocked premium increases—some as high as 40 percent—sought by six state health insurers. The action by the Suffolk Superior Court was the second time the insurance companies’ bid to boost rates was rejected. The state Division of Insurance rejected the rate hikes last month, calling them “excessive.”

The insurance companies then filed suit claiming the state has no authority to block the premium increases and sought an injunction to prevent the state from regulating premiums until the suit comes to trial. The judge rejected the request.

In an interview with the Boston Globe, Gov. Deval Patrick (D) praised the court’s decision.

Unless insurers can give us a good reason, when everything else is flat, that they deserve 20 percent, 30 percent and in some cases 40 percent increases, they’re going to be denied.

The judge said the Massachusetts companies must exhaust all their administrative appeals within the Insurance Division before the suit over the state’s ability to regulate premium costs can go forward.

The case is drawing national attention because, in 2006, Massachusetts passed a health care reform law that has several similar provisions to the recently enacted national health care reform law, including regulating premium increases.

In February, when Anthem Blue Cross in California announced it was raising premiums by as much as 39 percent, Secretary of Health and Human Services Kathleen Sebelius said, “Too many Americans are at the whim of private, for-profit insurance companies.”

Anthem Blue Cross’ parent company, WellPoint, posted $4.9 billion in profits in 2009. Sebelius said health insurance companies like WellPoint “are raking in billions in profits each year, while policyholders struggle to make ends meet in this tough economy.” In a letter to Anthem President Leslie Margolin, she demanded the company provide justification for the increases.

The extraordinary increases are up to 15 times faster than inflation. Your company’s strong financial position makes these rate increases even more difficult to understand.

Following public outcry, the company agreed to postpone the rate hikes until May, pending a review by an outside actuary appointed by the state insurance commissioner.

*This article originally appeared in AFL-CIO on April 13, 2010. Reprinted with permission.

About the Author: Mike Hall is a former West Virginia newspaper reporter, staff writer for the United Mine Workers Journal and managing editor of the Seafarers Log. I came to the AFL- CIO in 1989 and have written for several federation publications, focusing on legislation and politics, especially grassroots mobilization and workplace safety. When my collar was still blue, I carried union cards from the Oil, Chemical and Atomic Workers, American Flint Glass Workers and Teamsters for jobs in a chemical plant, a mining equipment manufacturing plant and a warehouse. I’ve also worked as roadie for a small-time country-rock band, sold my blood plasma and played an occasional game of poker to help pay the rent. You may have seen me at one of several hundred Grateful Dead shows. I was the one with longhair and the tie-dye. Still have the shirts, lost the hair.

So, What’s In the Reconciliation Bill?

Tuesday, March 23rd, 2010

The President signed the Senate health care bill into law at noon today.

This year, over 4 million small businesses will get tax credits worth up to 35% of their health care costs. This year, seniors will get $250 towards closing their coverage donut hole. This year, young Americans will be able to stay on their parent’s insurance plan until they are 26. This year, lifetime caps on benefits will be a thing of the past. And this year, the people with pre-existing conditions who can’t get health care now at any price will be able to buy into high-risk pools until the exchanges are set up in 2014.

But we are not done. Right after the House passed the health care bill on Sunday, they passed a package of improvements that now head to the Senate for an up-or-down vote.

The fixes heading to the Senate are mostly focused on making health care affordable to middle class families.

First, the package vastly improves the excise tax on “Cadillac” insurance plans, raising the threshold at which a plan will be affected to $10,200 for individual plans and $27,500 for family coverage. It also delays the implementation of the tax until 2018. As a result, the burden on middle tax families will be dramatically reduced.

To make up for the loss in revenue, the fixes broaden the Medicare payroll tax on on rich investors, taxing net investment income for those who make more than $250,000 per year.

And second, the package increases the subsidies available in the exchanges for middle class families and lowers their cost sharing. With the package, a lower percentage of a family’s income will be spent on health care costs – both premiums and out of pocket.

And there are more provisions in the package that would help broad swaths of the American public:

  • The package fully closes the donut hole for seniors over time
  • It freezes Medicare Advantage overpayments to private insurers and requires private insurers to pay 85% of money in to benefits in Medicare Advantage, to match the levels for all insurance plans in the health care bill
  • It strikes the deals Senators like Ben Nelson received and replaces them with increased Medicaid funding to all states
  • And it funds student loans for millions of young Americans

The Senate, after a string of favorable parliamentary rulings, is expected to take up the improvements under budget reconciliation rules today, with the goal of a final vote at the end of this week before the Easter recess.

*This post originally appeared in Health Care For America Now on March 23, 2010. Reprinted with permission.

About the Author: Jason Rosenbaum is a writer and musician currently residing in Washington D.C. He is interested in the intersection of politics and culture, media consolidation issues, and making sense out of our foreign policy disasters. He currently works for Health Care for America Now and he is also the webmaster for The Seminal.

What Health Reform Will Do for America – Two Examples

Friday, March 19th, 2010

Two headlines today highlight glaring problems in our health care system that would be fixed if health reform passes.

First, from Pennsylvania, the New York Times headlines “Big Insurance Rate Increase for Pennsylvania Poor”:

Facing a sharp rise in costs, Pennsylvania has almost doubled the monthly bill for a state health insurance program for poor people who do not qualify for Medicaid and are on a waiting list for a less costly option.

On March 1, the cost of the plan rose to about $600 a month, up from $313 a month, for the roughly 2,400 state residents on the waiting list.

Established in 2002, Pennsylvania’s state insurance program, called AdultBasic, covers adults ages 19 to 65 with incomes lower than twice the federal poverty level, or about $21,672 for a single person, at a cost to participants of about $36 per month. About 39,000 people are enrolled in AdultBasic.

About 390,000 other people are on a waiting list to join the AdultBasic program. While they wait, the state gives them the option to pay for the same insurance at a higher rate. It is the cost for members of the waiting list that rose on March 1 to about $600 a month.

Health reform solves this problem.

For families who make 133% of the Federal Poverty Level or less – about $24,000 per year – health reform would allow them to get on Medicaid. Those families who make more than that – up to 400% of the FPL or about $73,000 per year – will be able to purchase heavily subsidized insurance in the Exchanges.

For families making between 133% FPL and 200% FPL ($24,000 – $36,000 per year) – the people affected by Pennsylvania’s rate increase above – their average cost for insurance, both premiums and out of pocket, will be [pdf] around $63 per month for families at 133% up to $244 per month for families at 200%.

The next headline is from Kaiser Health News, “Drug Prices Rise For Seniors Who Reach Medicare Part D Coverage Gap”:

Seniors who hit the coverage gap in their Medicare prescription drug plans and must use their own money to buy drugs are facing price increases that are far outpacing inflation, a new study finds.

According to the Kaiser Family Foundation, prices paid by enrollees in standalone Part D plans who enter the coverage gap increased 5 percent or more since January 2009 for half of 10 brand-name drugs most commonly used by seniors. That’s almost twice the rate of inflation over the same period.

For example, the price of Actonel, a treatment for osteoporosis, increased 8 percent, from $91 per month in 2009 to $98 per month in 2010. Meanwhile, the prices for both Aricept, an Alzheimer’s medication, and Plavix, a drug used to prevent blood clots, both increased by 7 percent during the same period. Aricept’s prices rose from $184 to $198 while Plavix’s rose from $142 to $152. Lipitor, a cholesterol medication, was the only drug surveyed that decreased in price, from slightly more than $86 to just under $86 per month.

The rising prices are part of a longer is sufficient longer-term trend. Between January 2006 and January 2010, the analysis showed, prices of drugs bought by seniors who hit the coverage gap increased 20 to 25 percent for Lipitor, Plavix, Nexium, a drug for acid-reflux, and Lexapro, a medication for depression and anxiety; 39 percent for Actonel, and 41 percent for Aricept. Over the same period, inflation has increased 9.2 percent while prices for medical care have surged 16.1 percent.

Health reform solves this problem, too. Immediately after passage of the bill, seniors will get immediate relief that starts closing that coverage gap. The gap will be completely closed as health reform is implemented.

There are a few more noteworthy immediate affects of reform as well:

  • Prohibit pre-existing condition exclusions for children in all new plans;
  • Provide immediate access to insurance for uninsured Americans who are uninsured because of a pre-existing condition through a temporary high-risk pool; (this will help with the Pennsylvania situation as well)
  • Prohibit dropping people from coverage when they get sick in all individual plans;
  • Offer tax credits to small businesses to purchase coverage;
  • Eliminate lifetime limits and restrictive annual limits on benefits in all plans;
  • Require plans to cover an enrollee’s dependent children until age 26;
  • Require new plans to cover preventive services and immunizations without cost-sharing;
  • Ensure consumers have access to an effective internal and external appeals process to appeal new insurance plan decisions;
  • Require premium rebates to enrollees from insurers with high administrative expenditures and require public disclosure of the percent of premiums applied to overhead costs.

Reform will also help people like 11-year-old Marcelas Owens, who’s mother died because she didn’t have insurance:

And Matt Masterson’s son, who’s pre-existing condition makes him virtually uninsurable, a near death sentence as soon as he’s kicked of his father’s insurance plan in a few years:

Finally, today, the House Energy and Commerce Committee came out with numbers on how reform will help people in every Congressional district.

The vote is coming in the House. It’s likely to take place this weekend. Without reform, none of these problems get solved, and the insurance companies will get to continue their business practices of denying care and carving out coverage while making record profits.

It’s time to for the House to decide, and you should pick up the phone and help them.

*This post originally appeared in Health Care For America Now on March 17, 2010. Reprinted with permission.

About the Author: Jason Rosenbaum is a writer and musician currently residing in Washington D.C. He is interested in the intersection of politics and culture, media consolidation issues, and making sense out of our foreign policy disasters. He currently works for Health Care for America Now and he is also the webmaster for The Seminal.

Health Insurance Premiums Soar as New Polls Show Americans Want Reform

Friday, March 12th, 2010

Image: James ParksRecent polls show a majority of Americans want Congress to pass comprehensive health care reform now. And for good reason: There’s more news out this week about the enormous increases in health insurance premiums, according to a new report.

A survey from Economist/YouGov released this week shows 53 percent of respondents support changes proposed by the Obama administration. A second poll by Ipsos/McClutchey shows that 53 percent of Americans either support the current reform option or hope for an even stronger reform package. More than a third of those who oppose current reform proposals actually favor stronger reforms.

Meanwhile, a study by Health Care for America Now (HCAN) shows jaw-dropping insurance premium hikes—up 97 percent for families and 90 percent for individuals between 2000 and 2008. Premiums rose two times faster than medical costs and more than three times faster than wages. Companies like WellPoint are raising premiums by as much as 39 percent in California and by double digits in at least 11 states.

An analysis by the Kaiser Family Foundation found that people who bought insurance on their own between 2004 and 2007 on average paid more of their health expenses themselves—52 percent—than insurance companies. Yet those who had employer-sponsored coverage only paid 30 percent out of pocket.

The industry front group, America’s Health Insurance Plans (AHIP), heard plenty this week as thousands gathered in Washington, D.C., outside AHIP’s meeting to stage a citizens’ arrest for its crime in blocking health care reform.

Says Kaiser Family Foundation President Drew Altman:

The recent premium increases in the individual market probably have done more to illustrate the cost of doing nothing in health reform in simple, graphic terms people can understand than anything so far in the health reform debate.

*This article originally appeared in AFL-CIO blog on March 11, 2010. Reprinted with permission.

About the Author: James Parks had his first encounter with unions at Gannett’s newspaper in Cincinnati when his colleagues in the newsroom tried to organize a unit of The Newspaper Guild. He saw firsthand how companies pull out all the stops to prevent workers from forming a union. He is a journalist by trade, and worked for newspapers in five different states before joining the AFL-CIO staff in 1990. He has also been a seminary student, drug counselor, community organizer, event planner, adjunct college professor and county bureaucrat. His proudest career moment, though, was when he served, along with other union members and staff, as an official observer for South Africa’s first multiracial elections. Author photo by Joe Kekeris

VIDEO: 5,000 Activists Take the Fight for Reform Right to Insurance Companies’ Doorstep

Thursday, March 11th, 2010

In DC yesterday, thousands of union members and health care activists from across the progressive movement took the fight for health care reform right to insurance companies’ doorstep. The massive protest started with a march from Dupont Circle to the Ritz-Carlton Hotel at 22nd and M Street, NW, led by more than 50 major labor organizations, health care reform activists, faith leaders, and 25 survivors of health insurance abuse.

Protesters flooded the streets and surrounded the site of the insurance lobbyists’ annual conference, where progressive leaders issued a peaceful citizens’ arrest of the insurance companies–while the dozens of law enforcement officials tried to rein in the huge crowd. Several progressive leaders who stood up on behalf of reform were escorted away by police (including SEIU’s Anna Burger and Dr. Toni L. Lewis).

It was truly a magnificent show of solidarity for reform. Watch this video footage for a taste of yesterday’s huge action:

More ways you can relive the March 9th citizens’ arrest of insurance companies after the jump.

Photos:

On Twitter:

  • The hashtag we created for today’s action, #m9, has been blowing up on Twitter all day. It’s been Twittered over 600 times so far, and it’s still going strong. Read the #m9 tweets here.
  • We live tweeted today’s action–check it out here.

Via media coverage & blogs:

Recap of what went down during the march on SEIU.org here.

More coverage also at Huffington Post, NY Times, Washington Post, DCist

More than 10,000 people have taken online action against insurance lobbyists on www.citizensposse.com, and sent over 2,500 faxes to the insurance companies’ fax machines so far. We know not everyone could be in DC to confront insurance lobbyists yesterday, but it’s not too late to do your part by spreading the message.

*This post originally appeared in SEIU Blog on March 10, 2010. Reprinted with permission.
About the Author: Kate Thomas is a blogger, web producer and new media coordinator at the Service Employees International Union (SEIU), a labor union with 2.1 million members in the healthcare, public and property service sectors. Kate’s passions include the progressive movement, the many wonders of the Internet and her job working for an organization that is helping to improve the lives of workers and fight for meaningful health care and labor law reform. Prior to working at SEIU, Katie worked for the American Medical Student Association (AMSA) as a communications/public relations coordinator and editor of AMSA’s newsletter appearing in The New Physician magazine.

Republicans Aren’t Bringing a Health Reform Plan to the Summit Because They Don’t Want to Reform Health Care

Wednesday, February 24th, 2010

Yesterday, Republican leaders finally confirmed that they weren’t going to bring a health care bill to the President’s summit tomorrow. Why? Because they don’t actually want to reform health care (emphasis added):

The Senate GOP leadership is brushing off Dan Pfeiffer’s demand this morning that Republicans clarify whether they’ll produce a bill in advance of the summit, and won’t put forth a “comprehensive proposal,” aides say.

This morning on the White House blog, Pfeiffer challenged GOP leaders to say whether they’d be bringing a bill to the summit. “The Senate Republicans have yet to post any kind of plan,” Pfeiffer wrote, adding that “we continue to await word from them.”

Asked for comment, a senior Senate GOP aide emailed:

We fundamentally disagree with a comprehensive proposal to reform health care. We think a step by step approach on areas where we agree is the best path forward. We will not be posting a comprehensive alternative to commence a staring contest.

Of course, health care advocates have known this all along. Republicans have no solutions to the crisis in our health care system because they don’t view it as a system in crisis.

However, the position that health care in this country doesn’t need fundamental reform is a dangerous position to take. Never mind that every day we go without reform, 6,821 more people lose their health insurance [pdf], 2,548 more people file for bankruptcy because they got sick, and 60 more people die [pdf] because they don’t have the coverage they need. Declaring that as a party Republicans “fundamentally disagree with a comprehensive proposal to reform health care” is radically out of step with the American people.

The latest Kaiser Health Tracking Poll is only the latest in a series showing the elements of health reform are popular:

Other parts of reform are really popular too, like the public option.

And majorities want comprehensive health reform passed:

And even more will be disappointed or angry if reform doesn’t pass:

If Republicans think going with nothing is going to win them broad support, they haven’t been reading their polling.

Democrats need to work to make sure the reform that passes works for everyone in America and has the popular elements in it – they must pass health care that works for us and pass it now. Today, we’re helping to put in 1 million messages to Congress to send them that message, and Melanie’s March is arriving in DC to a huge rally with Senators attending the summit, so we’ll get to tell that message to these Senators in person.

Getting health reform done right is more than good policy for the country, it’s popular, too. And it will show America that Democrats won’t accept the party of NO’s strategy.

*This post originally appeared in Health Care For America Now on February 24, 2010. Reprinted with permission.

About the Author: Jason Rosenbaum is a writer and musician currently residing in Washington D.C. He is interested in the intersection of politics and culture, media consolidation issues, and making sense out of our foreign policy disasters. He currently works for Health Care for America Now and he is also the webmaster for The Seminal.

Obama Releases Revised Health Care Reform Blueprint

Tuesday, February 23rd, 2010

President Obama this morning released his version of health care reform legislation that combines elements of the Senate and House bills passed late last year. The new plan was unveiled in preparation for Thursday’s televised bipartisan White House health care summit.

AFL-CIO President Richard Trumka said working families “look foward” to moving the ball forward this week toward the goal of quality, affordable health care for all Americans. Republicans in Congress have an opportunity to stand with working families or continue to protect the profits of the insurance industry. We are prepared to work with the White House and leadership in Congress to advance a comprehensive health care bill that will be passed into law.

House Speaker Nancy Pelosi (D-Calif.) said this morning the revised proposal “contains positive elements” from both bills. She is scheduled to meet with the other House Democrats today to review the bill further. In a statement, Pelosi said:

Our nation is closer than ever to guaranteeing affordable health care to America’s middle class and small businesses, lowering costs and strengthening Medicare for seniors, holding insurance companies accountable, and reducing our deficit. The cost of inaction is too great for our nation and for every family facing the heartbreaking reality of skyrocketing health care costs and denied care or coverage.

An excise tax on health benefits that remain in the plan has been modified even further than an earlier agreement reached by the White House and union leaders. Under the latest proposal, the tax wouldn’t kick in until the annual premium cost for all families reached $27,500 and would not take effect until 2018.

The bill also includes: higher subsidies for low- and middle-income families to help pay for health insurance: closing the Medicare prescription drug ”donut hole”; new authority to control health insurance premium increases; applying the full Medicare tax (both employer and employee share, or 2.9 percent) to unearned income for families earning more than $250,000; an increase in the penalty for employers that do not provide health benefits from $750 per worker to $2,000; increased Medicaid funding for all states; raising from $23 billion to $33 billion the assessment of drug companies; a ban on denial of coverage for pre-existing conditions. Click here for a full summary.

House and Senate Republicans who have unanimously opposed the reform bills and blocked action were invited to post an alternative health care plan on the White House website so voters could compare ideas. But Republican leaders refused the offer. However, they do say they will attend the Thursday summit.

*This post originally appeared in AFL-CIO blog on February 22, 2010. Reprinted with permission.

About the Author: Mike Hall is a former West Virginia newspaper reporter, staff writer for the United Mine Workers Journal and managing editor of the Seafarers Log. I came to the AFL- CIO in 1989 and have written for several federation publications, focusing on legislation and politics, especially grassroots mobilization and workplace safety. When my collar was still blue, I carried union cards from the Oil, Chemical and Atomic Workers, American Flint Glass Workers and Teamsters for jobs in a chemical plant, a mining equipment manufacturing plant and a warehouse. I’ve also worked as roadie for a small-time country-rock band, sold my blood plasma and played an occasional game of poker to help pay the rent. You may have seen me at one of several hundred Grateful Dead shows. I was the one with longhair and the tie-dye. Still have the shirts, lost the hair.

Middle Class Task Force Addresses Child Care, College Costs, Retirement Security

Wednesday, January 27th, 2010
The White House Task Force on the Middle Class today announced several initiatives it says will help middle-class families afford soaring child care costs, care for their aging relatives, cope with the challenge of saving for retirement and pay for their children’s college tuition.
President Obama says the measures will help “ease the burdens on middle-class families who are struggling in this economy, and provide the help they need to get ahead.” The White House says Obama will discuss these and other vital middle-class issues, including job creation and health care in his State of the Union address Wednesday.
The Task Force chairman, Vice President Joe Biden, says the initiatives were developed after a series of meetings during the past year with working families around the country and at the White House.
Every day, middle-class families go to work and help make this country great.  For a year, our Task Force has been hearing that they are struggling with soaring costs and squeezed family budgets. These common sense initiatives will help these families cope with these challenges.
The initiatives include:
Nearly doubling the Child and Dependent Care Tax Credit for middle-class families making under $85,000 a year and a $1.6 billion increase in child care funding for families struggling to enter the middle class.
Limiting a student’s federal loan payments to 10 percent of his or her income above a basic living allowance.
Creating a system of automatic workplace IRAs, requiring all employers to give the option for employees to enroll in a direct-deposit IRA.
Expanding tax credits to match retirement savings and enacting new safeguards to protect retirement savings.
Expanding support for families balancing work with caring for elderly relatives.
Click here for a fact sheet with more detailed information on each initiative.
The Task Force has given working families and union leaders the opportunity to outline their concerns and offer recommendations on ways to make the economy work for working families.
United Steelworkers President Leo W. Gerard emphasized the need for creation of good green jobs. Members of Communications Workers of America (CWA) Local 730 in St. Cloud. Minn., told Biden and the Task Force that the Employee Free Choice Act was vital to allow workers to bargain for jobs with good wages and benefits. AFL-CIO Secretary-Treasurer Liz Shuler urged the Task Force to make fixing manufacturing a priority in building a stronger economy.
Visit the White House Task Force on the Middle Class website here.

Image: Mike HallThe White House Task Force on the Middle Class today announced several initiatives it says will help middle-class families afford soaring child care costs, care for their aging relatives, cope with the challenge of saving for retirement and pay for their children’s college tuition.

President Obama says the measures will help “ease the burdens on middle-class families who are struggling in this economy, and provide the help they need to get ahead.” The White House says Obama will discuss these and other vital middle-class issues, including job creation and health care in his State of the Union address Wednesday.

The Task Force chairman, Vice President Joe Biden, says the initiatives were developed after a series of meetings during the past year with working families around the country and at the White House.

Every day, middle-class families go to work and help make this country great.  For a year, our Task Force has been hearing that they are struggling with soaring costs and squeezed family budgets. These common sense initiatives will help these families cope with these challenges.

The initiatives include:

Nearly doubling the Child and Dependent Care Tax Credit for middle-class families making under $85,000 a year and a $1.6 billion increase in child care funding for families struggling to enter the middle class.

Limiting a student’s federal loan payments to 10 percent of his or her income above a basic living allowance.

Creating a system of automatic workplace IRAs, requiring all employers to give the option for employees to enroll in a direct-deposit IRA.

Expanding tax credits to match retirement savings and enacting new safeguards to protect retirement savings.

Expanding support for families balancing work with caring for elderly relatives.

Click here for a fact sheet with more detailed information on each initiative.

The Task Force has given working families and union leaders the opportunity to outline their concerns and offer recommendations on ways to make the economy work for working families.

United Steelworkers President Leo W. Gerard emphasized the need for creation of good green jobs. Members of Communications Workers of America (CWA) Local 730 in St. Cloud. Minn., told Biden and the Task Force that the Employee Free Choice Act was vital to allow workers to bargain for jobs with good wages and benefits. AFL-CIO Secretary-Treasurer Liz Shuler urged the Task Force to make fixing manufacturing a priority in building a stronger economy.

Visit the White House Task Force on the Middle Class website here.

*This article originally appeared in the AFL-CIO blog on January 25, 2009. Reprinted with permission.

About the Author: Mike Hall is a former West Virginia newspaper reporter, staff writer for the United Mine Workers Journal and managing editor of the Seafarers Log. I came to the AFL- CIO in 1989 and have written for several federation publications, focusing on legislation and politics, especially grassroots mobilization and workplace safety. When my collar was still blue, I carried union cards from the Oil, Chemical and Atomic Workers, American Flint Glass Workers and Teamsters for jobs in a chemical plant, a mining equipment manufacturing plant and a warehouse. I’ve also worked as roadie for a small-time country-rock band, sold my blood plasma and played an occasional game of poker to help pay the rent. You may have seen me at one of several hundred Grateful Dead shows. I was the one with longhair and the tie-dye. Still have the shirts, lost the hair.

Enough Hand Wringing. Get the Job Done!

Tuesday, January 26th, 2010

Image: Richard KirschAs Washington grapples with the outcome of the election in Massachusetts this week, it’s important to remember one key thing: Congress can still pass historic legislation that will make health care a right, not a privilege, in the United States. While the procedural route may be different, Congress still can do what it intended to do before Tuesday. It can enact a comprehensive bill that will make good health care affordable to tens of millions of people who are uninsured or underinsured and end the practice of denying people coverage or charging people more for pre-existing conditions. It can end the specter of medical bankruptcy, provide free access to preventive care, and more. None of these historic achievements can be done through “incremental” reform, and failing to accomplish these goals would put the Democratic Party in profound political peril.

While it may seem appealing to carve up the many facets of reform into smaller bites, that won’t get the job done. Take, for example, the promise that has most resonated with the public: stopping insurance companies from denying coverage for preexisting conditions. You can’t do that without requiring everyone be covered because many people would wait to get covered until they needed treatment and that would drive premiums too high. But you can’t require people to get coverage without providing income-based subsidies to make coverage affordable. And you can’t raise the money for subsidies without finding savings in the system, like the proposed changes in Medicare, or raising new revenue. All that adds up to comprehensive reform.

The same logic applies to the other basic items Americans most want from reform, like relief from medical bankruptcy or stopping insurers from charging more to women or making the health insurance market work for small business.

At its heart, comprehensive reform is a simple guarantee that you will have access to good, affordable coverage whether you work for someone else, are self-employed, or are unemployed. The bills that have passed both houses of Congress achieve that goal through the same basic mechanisms: expanding Medicaid, establishing new health insurance marketplaces, providing income-based subsidies for buying regulated insurance within those marketplaces, extending tax credits to at least small businesses, and establishing some requirements for most businesses to offer coverage or pay for it. Both bills raise the money through changes in Medicare and new revenues. Taken together, that will mean that for the first time every American will have access to affordable health care coverage.

If we look at history, we see that once we have built such a foundation, Congress will improve on it. When Social Security was enacted, it left out major categories of workers and didn’t provide for surviving spouses or dependents. Those omissions got fixed later.

If we fail to pass reform or pass minor reforms that don’t really change anything, it will be at least 15 years before the nation tries again. If we enact the agreed upon reforms, Congress will continue to debate how to improve upon what’s in place. And it will defend the new right to health care against those who would tear it down – just like Republicans have been trying and failing to privatize Social Security since it was first passed.

This isn’t just a policy question; it’s a political one. Republicans are counting on stopping the Democratic agenda so that Democrats will fail and voters will give the Republicans another chance. The Massachusetts election demonstrated that Democrats need to deliver on the promise of change. After a year of getting within sight of the finish line on comprehensive health care reform, the only choice from a policy and political perspective is to get the job done.

As the national campaign manager of the nation’s biggest progressive health care campaign – one that has organized hundreds of thousands of people in all 50 states and spent $45 million fighting for reforms that go well beyond what now seems possible – I understand as well as anyone how frustrating progressives find this situation. But we should never lose sight of what Dr. King said about health care in this nation: “Of all the forms of injustice, inequality in health care is the most shocking and inhumane.” Congress is on the brink of dramatically reducing this inequality even though the legislation has many imperfections.

So on behalf of the army of activists who have fought with us for more than a year, our message to Democrats in the House and Senate is simple: pick yourselves up, dust yourselves off, and enact the compromise plan you were set to pass before the Massachusetts election. You still have big majorities in both houses. Because of Republican obstructionism, you’ll need to use different procedures to get the job done. But just do it! And know that each and every year you will have saved tens of thousands of lives, rescued hundreds of thousands of families from medical bankruptcy, and proved to America you are up to the challenge of building a new and better future for our children and the generations that follow.

*This article originally appeared in The Huffington Post on January 22, 2010. Reprinted with permission.

About the Author: Richard Kirsch is the National Campaign Manager for Health Care for America Now.

Talking Health Care Over the Holidays

Monday, December 28th, 2009

This holiday season, many of you will discuss health care with loved ones.

That’s because health care is a family issue. Families struggle together, we care for one another when we’re sick, and we face down financial hardship as one.

After a near-catastrophic economic downturn, Americans everywhere face tough choices on where to spend their money. After paying for utilities, car insurance, housing and food, there’s not always enough to afford medicine, doctor visits or dental exams.

Did you hear a story from a family member about health care? Or perhaps you have a story of your own. Send it to your members of Congress.

Members of Congress use personal stories from constituents to decide their votes and illustrate why certain provisions are important. Despite the health bills passing the House and the Senate, Congress will be required to vote one last time on the bill that comes out of conference. Join us in sharing your story and helping us push for the strongest bill possible.

*This post originally appeared in SEIU Blog on December 28, 2009. Reprinted with permission from the author.

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