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Posts Tagged ‘health care’

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.

Young Workers: Hit Hard, Hitting Back

Wednesday, December 16th, 2009

Image: Liz ShulerAs newly elected secretary-treasurer of the AFL-CIO, I traveled the country this fall, talking with workers and hearing their concerns. The economic crisis is causing a lot of pain. So many people have no jobs, no health care–and many are losing their homes. And as I looked into the faces of young workers, the reality hit home that these young people are part of the first generation in recent history likely to be worse off than their parents.

This is a tragedy.

The AFL-CIO and our community affiliate, Working America, recently surveyed young workers–and I’m not talking about 17- and 18-year-olds. I’m talking about 18- to 34-year-olds. In the past 10 years, young workers have suffered disproportionately from the downturn in the economy:

  • One in three young workers is worried about being able to find a job–let alone a full-time job with benefits.
  • Only 31 percent make enough money to cover their bills and put some aside–that is 22 percentage points worse than it was 10 years ago.
  • Nearly half worry about having more debt than they can handle.
  • One in three still lives at home with parents.

Young workers are living the effects of a 30-year campaign to create a low-wage workforce. It has succeeded.

For decades, the far right led an anti-government, anti-investment, feed-the-rich-and-starve-the-poor drive that gave us an era of deregulation, privatization and job exporting.

At the same time, corporations and government attacked unions and workers’ freedom to form unions and bargain for decent wages and benefits. When unions are strong, paychecks grow and workers have benefits like health care and pensions.

When unions are under attack, paychecks shrink. Pensions vanish. Health care becomes the emergency room.

What’s left is not working for young people–or for any of us. It will take a broadly shared sense of wartime urgency to replace today’s low-wage economy with a high-wage, high-skills economy. The first step must be immediate action to address the nation’s jobs crisis, with five essential steps:

  1. Extend the lifeline for jobless workers.
  2. Rebuild America’s schools, roads and energy systems and invest in green technology and green jobs.
  3. Increase aid to state and local governments to maintain vital services.
  4. Fund jobs in our communities.
  5. Put TARP funds to work for Main Street with job-creating loans to small businesses.

We took these initiatives to the White House Summit on Jobs on Dec. 3 and are pushing Congress to take action now. The first reports from the Jobs Summit are encouraging, and we look forward to working with the Obama administration and Congress to carry on this momentum.

It’s time to rebuild an economy that works–an economy based on prosperity, an economy we can be proud to pass on to our children and their children. And we need young people to lead the way. That survey I mentioned earlier shows they are ready.

· Young workers have a whole new level of civic engagement, with the surge of new voters in the 2008 election.
· They are well-informed and following government and policy news.
· They believe in collective action and understand the power of having a union.
· They have hope for the future and the vision of a savvy, diverse movement to bring about progressive change.

We’re planning a major summit for young workers after the first of the year to bring all our ideas and voices together. When crises hit, it’s young people who drive change.

Martin Luther King Jr. was 26 when he led the Montgomery bus boycott. At 25, César Chávez was registering Mexican Americans to vote. Walter Reuther headed strikes demanding GM recognize its workers’ rights starting when he was 30. Elizabeth Cady Stanton was 33 when she drafted the declaration of women’s rights.

Young people are being hard in this jobs crisis. But I believe they provide much of the fuel we need to get out of it.

*This article originally appeared in The Huffington Post on December 7, 2009. Reprinted with permission by the author.

**Photo credt: © 2009 Jay Mallin.  All rights reserved. Licensed soley for use in publications, both electronic and print, websites, and public relations of the AFL-CIO.  All other uses, publication, or distribution strictly prohibited. Licensing is contingent on payment in full of our invoice. For more information, contact: jay@JayMallinPhotos.com 202-363-2756

About the Author: Liz Shuler was elected AFL-CIO Secretary-Treasurer in September 2009, the youngest person ever to become an officer of the AFL-CIO. Shuler previously was the highest-ranking women in the Electrical Workers (IBEW) union, serving as the top assistant to the IBEW president since 2004. In 1993, she joined IBEW Local 125 in Portland, Ore., where she worked as an organizer and state legislative and political director. In
1998, she was part of the IBEW’s international staff in Washington, D.C., as a legislative and political representative.

Aetna Cuts 600,000 Lives for Profit

Thursday, December 10th, 2009

Aetna announced that it will deliberately cut 600,000 people from its insurance rolls to raise its profits next year:

In a third-quarter earnings conference call in late October, officials at Aetna announced that in an effort to improve on a less-than-anticipated profit margin in 2009, they would be raising prices on their consumers in 2010. The insurance giant predicted that the company would subsequently lose between 300,000 and 350,000 members next year from its national account as well as another 300,000 from smaller group accounts.

Aetna’s decision to downsize the number of clients in favor of higher premiums is, as one industry analyst told American Medical News, a “pretty candid” admission. It also reflects the major concerns offered by health care reform proponents and supporters of a public option for insurance coverage, who insist that the private health insurance industry is too consumed with the bottom line. A government-run plan would operate solely off its members’ premiums.

Aetna is saying they want to make more money on each person they insure to please Wall Street, so they are raising prices. It doesn’t matter to them if this action causes them to lose some less profitable customers, customers that actually use their health care benefits. In fact, they welcome it. They are more than happy to let these people be priced out of the market, go uninsured, go bankrupt, or lose their lives. These people are not bringing in enough money for Aetna, so Aetna would rather not have them as a customer.

Aetna is following the insurance company playbook as articulated last year by Wellpoint CEO Angela Braly when she said, “We will not sacrifice profitability for membership.” In other words, the insurance companies won’t sell health coverage to more people if it means they will make less money on each person.

They don’t care about coverage, they just care about profits. This is exactly why we must have a public health insurance option.

Health reform without a public option will not not work. The insurance industry playbook would still be on the table, and they would still find ways to cut people for more profit. Even with laws against insurance companies denying care, they would still find ways to do it.

The CBO confirms this with their analysis. Even with laws making it illegal for insurance companies to deny care, the CBO found that while the public option would keep down insurance premiums overall, it would attract less-profitable customers that the insurance companies don’t want and would refuse to insure.

There is no substitute for a public health insurance option that’s national and available everywhere on day one – no triggers. And indeed, the bill on the table in the Senate gets us there.

To those moderates who are holding out, don’t let the perfect be the enemy of the good. There may be some things in the Senate bill you don’t agree with, but that’s no reason to deny this country the reform it needs and wants. It’s time to allow this bill to come up for a fair, majority vote in the Senate.

*This post originally appeared in SEIU Blog on December 9, 2009. Reprinted with permission from the author.

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.

The Senate Has a Health Care Bill. What’s in It?

Thursday, November 19th, 2009

Last night, the Senate unveiled their health care bill. You can read the full bill here [pdf], or the summery documents here.

On the whole, the Senate bill looks very much like the House health care bill. It ends insurance company abuses like denying care for those with pre-existing conditions and it sets benefit standards to make sure the coverage people receive – both on their own and through their employer – actually covers the care they need. It gives people the choice of a public health insurance option like the one in the HELP bill, though states would be able to opt-out of the public option if they passed a law saying so. And it sets up a health insurance “Exchange” that would provide tax credits (subsidies) to make health care affordable, as well as helping business afford health care for their employees.

On the budgetary front, the Senate bill would cost $849 billion over 10 years, and reduce the deficit by $127 billion over the same period. You can read the CBO’s projections on the bill here [pdf].

Of course, there are major differences. Igor Volsky at the Wonk Room has a handy comparison chart:

Senate Bill ($849 billion/10 years) House Bill ($894 billion/10 years)
Individual Mandate Yes, penalty of $750 by 2016 for those don’t purchase coverage. ($95 penalty in first year) Yes, penalty of 2.5% of income for those who remain uninsured
Employer Mandate Free rider provision. Employers would have to pay whichever is lower: $3,000 per every employee who receives a subsidy in the Exchange, or $750 for every employee (not just the subsidized worker). Yes, employers who don’t’ offer coverage would pay a fee equal to 8% of their payroll
Medicaid Expansion Up to 133% FPL. 100% federal funding for the first 3 years, then revert to Senate Finance language. Up to 150% FPL
Subsidies Between 133 – 400% FPL on sliding scale; spend 2%-9.8% of income on premiums Between 133 – 400% FPL on sliding scale; spend 2%-12% of income on premiums
Public Option National public plan, states can opt-out by 2014. Co-ops are also available. Yes, HHS secretary negotiates rates
Financing Excise tax on policies above $8,500 (individuals) and $23,000 (families), increases the payroll tax by .5% (increases to 1.95%) on individuals who earn more than $200,000 and families earning more than $250,000 a year, tax on insurers, pharmaceuticals, and medicare devices; Medicare savings 5.4% surtax on individuals earning > $500,000, couples earning more than $1 million; Medicare savings

The New York Times also has a great comparison.

Overall, the fact that Majority Leader Harry Reid did the right thing and listened to the American people by including things like a public health insurance option and a tax credit level that goes a long way towards making health care affordable means that this bill deserves a debate and a fair, majority up-or-down vote.

Republicans and the insurance companies will try to block this bill any way they can, even going so far as to recommend the Senate not even talk about this bill, let alone vote on it. These tactics only preserve the status quo. The American people deserve health care reform – reform that delivers affordable coverage, a choice of a public health insurance option, and fair financing – and this bill deserves a fair vote by the full Senate so it can meet the House bill in conference.

*This post originally appeared in Health Care for America Now on November 19, 2009. Reprinted with permission from the author.

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.

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