Hillary's Health Plan: Surprisingly impressive

Health Care is THE critical issue for me.  I believe in Health Care for Everyone and I've judged all candidates since 1992 on that issue.  I wasn't happy with Hillary last year when she implied that it wasn't a priority for her -- that it would be sometime in her second term before she could promise universal access.  It was Edward's health care plan with its public option (giving us the choice of bypassing private insurance companies) that drew me to him.  Now that he's out of the race, I've got to figure out if either of the two remaining candidates have anything comparable.

I don't particularly like the way Obama has attacked the concept of "mandates" in Hillary's plan.  But I didn't immediately dismiss it either.  Because -- affordable or not -- the idea of a law requiring us to buy private health insurance is deeply repugnant to me: it's just another government give-away to corporations.  So I went to Hillary's site to read her plan for myself.

I was pleasantly surprised. We've heard her say that she'd give us all the option to buy into the Federal plan.  But did you know that Hillary has added an idea similar to the Edwards Plan -- that she's now proposing a public option (similar to Medicare)?

1) Keep Current Health Care Coverage: Americans who are satisfied with the coverage they have today can keep it. Nothing would interfere with their insurance or their relationship with their health care provider. The only significant change they will see will be lower costs and higher quality health care as the modernization initiatives to improve value in our health care system take effect and as the achievement of seamless coverage reduces the hidden tax on premiums that comes from current cost-shifting.

2) A Choice of Health Plan Options: Businesses, employees, and the uninsured will have the option of buying group insurance through a new Health Choices Menu. This Menu will give all Americans the same set of insurance options that their Member of Congress has. Without creating new bureaucracy, the Menu will be part of the Federal Employee Health Benefit Program (FEHBP), which includes numerous, high-quality private health insurance options. The Health Choices Menu will have the purchasing power of millions of Americans in securing high-quality and affordable insurance. States will also have the option of banding together to offer the same type of choices in a region of the country if they wish. The benefits will be as good as those offered to Members of Congress. Such coverage includes mental health parity, and many plans offer dental coverage. In addition, as a condition of doing business with the federal government, insurers must cover high priority preventive services that experts agree are proven and effective. This focus on prevention will improve health and lower costs in the long run.

3) A Choice of a Public Plan Option: In addition to the array of private insurance choices offered, the Health Choices Menu will also provide Americans with a choice of a public plan option, which could be modeled on the traditional Medicare program, but would cover the same benefits as guaranteed in private plan options in the Health Choices Menu without creating a new bureaucracy. The alternative will compete on a level playing field with traditional private insurance plans. It will provide a more affordable option, in part through greater administrative savings. It will not be funded through the Medicare trust fund.

I'd rather we had single-payer health care, but considering the political realities, these options make this plan it a winner for me. If we have the option of getting a Government managed program -- then I'm in almost whole-heartedly.

Addressing the issue of affordability, on page nine she acknowledges that the average family is now spending over $12,000 a year for insurance & that's way too much:

Americans value health care and coverage, but its cost is often prohibitive. Over half of the uninsured in a recent survey said they couldn't afford it.(viii) This is not a surprise. The average family premium for employer-based coverage (including employer and employee contributions) is over $12,000.(ix) For half of Americans, this total premium accounts for at least one-fourth of their annual income.(x) This helps explain why two-thirds of the uninsured have incomes below 200 percent of the poverty limit (roughly $40,000 per year for a family of four). The cost of insurance is a serious barrier to coverage for people
with high health care needs or limited access to job-based insurance.

I've read about the Tax Credits as a way to make her plan affordable and I know that a lot of people have problems with their effectiveness in making this insurance (and is it insurance if you've chosen the public plan?) affordable. I do too.  But she goes on to say that under her plan premiums will be capped at a Percentage of Income which (depending on the percentage) I think is entirely reasonable:

The American Health Choices Plan will make health insurance more affordable for the millions of Americans who want it. It includes a number of straightforward policies to achieve this end:

1) Ensuring Premium Affordability Through Refundable Tax Credits: Premiums have skyrocketed over the last several years - nearly double since 2000. The American Health Choices Plan helps working families afford coverage through refundable, income-related tax credits to ensure that accessible, high-quality health coverage is affordable to all.

2) Limiting Premium Payments to a Percentage of Income: This credit will ensure that securing quality health care is never a crushing burden for any working family. This guarantee will be achieved through a premium affordability tax credit that ensures that health premiums never rise above a certain percentage of family income. The tax credit will be indexed over time, and designed to maintain consumer price consciousness in choosing health plans, even for those who reach the percentage of income limit. (emphasis mine)

Ordinarily I'd be deeply skeptical of the phrase, "certain percentage of family income" because past experience tells me that wealthy politicians have wildly different assumptions about affordability than I do.  But Clinton's acknowledgment that a quarter of our income is too much makes me hopeful that she'll have a realistic percentage when she makes the actual proposal.

Her plan and the Health Care Resources (see the sidebar) Are impressive:

There's her Agenda for Reproductive Health Care:

On Anniversary Of Roe, Clinton Announces Agenda For Reproductive Health Care

"When I'm President, I will appoint judges to our courts who understand that Roe v. Wade isn't just binding legal precedent, it is the touchstone of our reproductive freedom, the embodiment of our most fundamental rights, and no one - no judge, no governor, no Senator, no President - has the right to take it away."

(snip)

"On the 35th anniversary of Roe v. Wade, I am reaffirming my commitment to safe, legal, and rare abortion, and unveiling an agenda for decreasing the number of unintended pregnancies in the U.S. through honest and complete sex education and expanded access to contraception and family planning," said Clinton.

(snip)

Enacting the Freedom of Choice Act - Hillary will sign into law the Freedom of Choice Act, which would codify Roe v. Wade and send a renewed signal to the courts that the will of Congress and the President is to keep abortion legal.

Increasing access to family planning services. Hillary will expand the national family planning program (Title X) and extend Medicaid coverage for family planning services to women who are eligible for pregnancy-related care.

Ensuring that private health plans offer the same level of coverage for contraception as they do for other prescription drugs and services. Massive shifts have occurred in the number of women with access to contraception through their health insurance over the past 15 years. In 1993, according to testimony by the Executive Director of the Women's Research and Education Institute, women typically spent 68% more in out-of-pocket health care costs than men, a difference that was largely accounted for through reproductive health services.

Ensuring that women who survive sexual assault have access to emergency contraception (EC) upon request. Emergency contraception is a safe and effective way to help women who may be at risk for an unintended pregnancy. Yet, according to seven years of data from the Centers for Disease Control, fewer than half of all women who visited an emergency room after a sexual assault received emergency contraception

Implementing important public education initiatives about EC. Emergency contraception is a safe, effective back-up birth control method that reduces the risk of pregnancy by 75% [Boonstra, AGI, 2002]. Despite the widely acknowledged safety, efficacy, and acceptability of EC, many women do not know EC is an option for them and only 6% of women have ever used it [Kaiser Family Foundation, 2005]. Hillary would support efforts to increase awareness so that women can have full information about this proven option.

Restoring the discount for birth control on college campuses and community health centers. The Deficit Reduction Act of 2005 eliminated the ability of college health clinics and about 400 community health centers to receive deep discounts on contraception and pass those savings onto students.

And the page goes on...  And THAT's only one of the resources she's put together.  See the sidebar on this page for even more details.  

For me it's enough to justify my decision to stand up for her at my Kansas Caucus on Tuesday.  And I offer this diary to those who might also be interested in this issue.



Display:


Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 5)

This is really my first diary here.  I hope you like it....


by katiebird on Sun Feb 03, 2008 at 07:46:56 PM EST

Re: Hillary's Health Plan: Surprisingly impressive (none / 0)

Not a bad diary, if it were only honest about what Hillary's plan entails.

It forces insurance companies to cover everyone. How nice for the insurance companies; how bad for Americans who have to pay for it.

Hillary's health care plan is just a continuation of the corporate run system we have today.

Corporate health care will still be with us under Hillary, including the additional 15-20% surcharge for company profits, CEO salaries, large dividends, outlandish pharmaceutical prices, rip off hospital care costs, and rationing of care by clerk who will make decisions, preapprove, expensive interventions, anything that might reduce company profits.

If Hillary is not for single payer universal health care, which she actually criticizes, then she is not for a liberal-socialist system as they have in the European and English speaking social democracies. Medicare costs only 3% to administrate and it is the cheapest path to universal health care, without the corporations continuing to rip us off. Hillary, it seems, is now beholden to the medical insurance, hospital, and pharmaceutical companies, who I suspect will dump big dollars into her campaign because, like Bill Clinton before her, she is willing to walk away from the fundamental liberal-socialism that distinguishes us from the party of the rich and the corporations.

Hillary is for Corporatism, a movement right to more triangulation with the Republicans, indeed, going beyond the Republican Lite government we had under Bill Clinton.


Click on Peace, Propaganda, & The Promised Land and learn the truth about the I/P conflict.
by shergald on Mon Feb 04, 2008 at 09:20:22 AM EST
[ Parent ]

Honestly? Please tell me how I was dishonest. (none / 0)

Honestly?  Please tell me how I was dishonest.

Her 3rd option is a PUBLIC plan.  Where does it say that everyone must buy private insurance.


by katiebird on Mon Feb 04, 2008 at 10:21:13 AM EST
[ Parent ]

Re: Honestly? Please tell me how I was dishonest. (none / 0)

Hillary, during the debates, accused Obama of being for single-payer health care, and earlier in his career, Obama made such statements.

Imagine a Democrat criticizing another Democrat for being for single payer, presumably government run medical care, which is the liberal-socialist ideal, one that heralds back to FDR and Kennedy-Johnson.

Medicare or Medicaid, which are government run, and only cost 3% for administrative costs, are single payer systems. The Corporate run system Hillary is proposing would cost an additional 15-20%, which entail corporate profits. Her plan is a Republican compromise intended to keep universal medical care in the private sector. Why not Social Security, Hillary?


Click on Peace, Propaganda, & The Promised Land and learn the truth about the I/P conflict.
by shergald on Mon Feb 04, 2008 at 12:17:15 PM EST
[ Parent ]

Please send me a link to (none / 0)

Please send me a link to where she says that the Public Plan would be corporate run.  

It wasn't dishonesty that made me leave that out -- it was pure ignorance.  If you send me the link, I'll update the diary.


by katiebird on Mon Feb 04, 2008 at 12:27:25 PM EST
[ Parent ]

Re: Please send me a link to (none / 0)

"Here's one key reason why mandatory universal coverage works: It forces insurance companies to cover everyone."

This is a simple summary of Clinton's plan. Those who are insured, keep what they have, which is most of us. Want a link, read between the lines of your own diary. You are reading too much into those few other options in the plan.


Click on Peace, Propaganda, & The Promised Land and learn the truth about the I/P conflict.
by shergald on Mon Feb 04, 2008 at 04:38:39 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (none / 0)

A HEARTY WELCOME TO YOU, Katiebird.

Don't I know you from DKos?  Lots of people have similar usernames, so thought I should check.

EXCELLENT diary.  Keep them coming!  And visit us at No Quarter where we're devoted to Hillary Clinton:
http://www.noquarterusa.net
-- we're also becoming more and more devoted to MyDD (I link them all the time + have put up their delegate count scripts, which are nifty)


by susanhu on Mon Feb 04, 2008 at 11:47:14 AM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (none / 0)

I Susan, Yes dKos AND the BoomanTribune (a couple of years ago....)


by katiebird on Mon Feb 04, 2008 at 12:24:07 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (none / 0)

I meant, HI, Susan....!


by katiebird on Mon Feb 04, 2008 at 12:24:23 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 1)

Contradicted to many people understanding, Hillary's healthcare plan has a very good chance of success.  

The plan is noting radicle.  She will offer the current healthcare benefit available to the congress staff to the public.  If you already have a healthcare and would like to keep it, you can.  But if you don't have a plan or want to expand your coverage, you can choose from the 250 options available.  The same options that are not available to the congress staffs.  

It's not a forcing-down-your-throat plan at all.  Instead, all American will have a chance to access good quality plan at their choice.  


by JoeySky18 on Sun Feb 03, 2008 at 07:53:43 PM EST

I agree (2.00 / 1)

But from the trash-talking Hillary gets about all her policies, I expected something much less comprehensive.  I was really impressed with the scope of the Health Information available at her site.


by katiebird on Sun Feb 03, 2008 at 07:58:26 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 1)

Great diary. Her health care plan is very detailed and she is very committed to solving the health care crisis and addressing important reproductive health issues. It will be great to have a President fighting for these important Democratic values.

Health care is the critical issue for me too and that's why I support her. I also think universal health care is a winning issue for the Democratic party in November.


by LakersFan on Sun Feb 03, 2008 at 07:59:31 PM EST

Re: Hillary's Health Plan: Surprisingly impressive (none / 0)

Thank you!  I put a lot of effort into it.  My siblings and I (eight of us) were Edwards supporters and we've been struggling to make a choice between the remaining candidates.  I first put this out as a couple of emails to them.


by katiebird on Sun Feb 03, 2008 at 08:06:04 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 1)

How are the rest of your siblings leaning now?


by LakersFan on Sun Feb 03, 2008 at 08:10:16 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (none / 0)

It's split, 3 Clinton, 2 Obama, 2 undecided & one with a broken computer (so I don't know.) Ah, and parents for Hillary.

Not too shabby....


by katiebird on Sun Feb 03, 2008 at 08:39:45 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 1)

Perhaps compared to John McCain, Hillary has an impressive plan.  Compared to the rest of the developed Western world, Hillary's  universal mandated insurance is business as usual with American consumers continuing to pay more to get less. Health care insurance for federal employees is only "public" in the sense that the employer is "public".  It relies on the same corporate providers who divert about 25% of health care dollars to overcompensating executives, denying claims, advertising, lobbying, and other spending on unnecessary overhead.  Hillary lacks the intelligence and integrity to support single payer, universal healthcare and true health care reform.


by bdungan on Sun Feb 03, 2008 at 10:14:18 PM EST

She IS NOT just opening up the Federal plan (none / 0)

She IS NOT just opening up the Federal plan:

As I quoted above, these are the choices:

1) Keep Current Health Care Coverage

2) A Choice of Health Plan Options

3) A Choice of a Public Plan Option: In addition to the array of private insurance choices offered, the Health Choices Menu will also provide Americans with a choice of a public plan option, which could be modeled on the traditional Medicare program, but would cover the same benefits as guaranteed in private plan options in the Health Choices Menu without creating a new bureaucracy. The alternative will compete on a level playing field with traditional private insurance plans. It will provide a more affordable option, in part through greater administrative savings. It will not be funded through the Medicare trust fund.

I don't pretend that this is the same as a single-payer solution. But, it's obvious that not many of us know that this option is included.


by katiebird on Sun Feb 03, 2008 at 10:21:07 PM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 2)

katiebird, I'm a nurse, and my hubby is a family practice doc.  This is my issue as well, and a BIG reason why I am strongly in Hillary's corner.

The public was not ready in the 90's.  No wya. There was jsut too much resistance.  I believe now it is.  Over the last 2 years, I  brought it up casually with our office patients, frequently.  It is amazing that almost all of them thought it should be done.  The public KNOWS how bad our current system is.


by WMCB on Sun Feb 03, 2008 at 11:32:50 PM EST

Universal health care, 2008 (2.00 / 1)

Thanks for the diary. Like you, I think health care is the single biggest issue this campaign. Providing universal health care is not only one of the most important things we can do to improve the lives of middle and lower class Americans, it would also be a huge long-term political boon to the Democratic Party.

Quite frankly, I'm surprised that any Democrat who doesn't support universal health care has a chance in the primary. I'm disturbed that a Democrat who is actively running against universal health care is apparently leading in the primaries. In my mind, this should be an immediate disqualification for the Democratic nomination.

I'm working on a diary now (which may or may not be finished by Super Tuesday) wondering exactly how committed the Democratic Party really is to universal health care. Do we truly want to achieve it, or is it an issue we bat around because it's a good political weapon against the Republicans?

I'll try to solidify my opinion soon, but I'm afraid that the fact that so many Democratic elders are supporting Obama indicates that it's not a high priority, and in fact, the establishment may actually favor not trying for it to avoid the political risks that came in 1994.


by OrangeFur on Sun Feb 03, 2008 at 11:45:19 PM EST

Re: Universal health care, 2008 (none / 0)

"Quite frankly, I'm surprised that any Democrat who doesn't support universal health care has a chance in the primary. "

Me too.  And I'm DEEPLY disturbed by the packs of roving near-trolls who high-jack health care discussions at dKos by spreading & repeating lies about Hillary's plan and her intentions.

I was deeply dismayed when I saw the Harry & Louise ad.  I just don't understand why it's wrong to mandate health care but acceptable to mandate that we pay for an illegal war?


by katiebird on Mon Feb 04, 2008 at 07:28:46 AM EST
[ Parent ]

Excellent first diary! (2.00 / 1)

What a great job you did, and it's obvious you put a lot into this. Thank you!

Krugman says if Hillary becomes president there's a chance we'll get universal healthcare. If Obama became president, there's no chance at all.

Clinton, Obama, Insurance

By PAUL KRUGMAN
Published: February 4, 2008

The principal policy division between Hillary Clinton and Barack Obama involves health care. It's a division that can seem technical and obscure -- and I've read many assertions that only the most wonkish care about the fine print of their proposals.

But as I've tried to explain in previous columns, there really is a big difference between the candidates' approaches. And new research, just released, confirms what I've been saying: the difference between the plans could well be the difference between achieving universal health coverage -- a key progressive goal -- and falling far short.

Specifically, new estimates say that a plan resembling Mrs. Clinton's would cover almost twice as many of those now uninsured as a plan resembling Mr. Obama's -- at only slightly higher cost.

Let's talk about how the plans compare.

cont.

http://www.nytimes.com/2008/02/04/opinio n/04krugman.html?hp


by jen on Mon Feb 04, 2008 at 12:25:46 AM EST

Re: Excellent first diary! (2.00 / 1)

I knew this was coming as soon as Krugman's post about the Obama mailer came out.

Paul Krugman continues to fight the good fight.


by OrangeFur on Mon Feb 04, 2008 at 12:38:01 AM EST
[ Parent ]

Thank you for the link! (none / 0)

Thank you for the link -- that's a wonderful editorial and I hope it has some affect.


by katiebird on Mon Feb 04, 2008 at 07:33:31 AM EST
[ Parent ]

Re: Hillary's Health Plan: Surprisingly impressive (2.00 / 1)

Great job Katiebird. Thanks for the input. I'm dismayed and disgusted that Obama would put out the "mandate" slur, but the Harry & Louise Ads? That is simply gutter-trawling GOP trash=talking against the Democratic Party.

I voted for Hillary Clinton in my primary, because the Health Care Coverage issue is probably the MOST important issue for me personally, and I believe her plan is better. She has the record of working to expand progressive values and proposals during her 35 years in public service.

I'm financially secure, have good health care coverage, but have family members who do not have ANY, and I don't trust insurance companies to follow through with my own coverage, should I fall seriously ill. We are currently at their mercy, and they have no mercy. It's bottom line all the way.

I'm very disturbed by progressives who are buying into the audacity of hype for a candidate who is advised by economists who are advocates for free-trade and privatization of Social Security, using right-wing talking points about "choice."

It's mind-boggling.


"I never give them hell. I just tell the truth and they think it's hell." Harry S Truman
by Tennessean on Mon Feb 04, 2008 at 08:49:14 AM EST

Thanks! (none / 0)

I think she did herself a GRAVE disservice with that early remark about Universal Health Care by the end of her second term.

It turned people like me straight to Edwards and we never looked back at what she was currently saying until we had to last week.

It's clear that her positions are not based on shallow campaign slogans.  I've looked at politician's "Issue Pages" enough to recognize the deep commitment it takes to put together those documents.

It may be too late (and my support is usually the kiss of death) but I'm wishing her well.  And I'm standing up for her at my caucus tomorrow.


by katiebird on Mon Feb 04, 2008 at 08:55:36 AM EST
[ Parent ]


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