From an email.....you may get your wish, you'll finally be on your own..!
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McCain’s Plan: You’re on Your Own
John McCain takes a totally different approach than we do. Taking the lead from a widely-criticized proposal advanced by President Bush in 2007, he wants to radically transform our health care system from one where people get insurance on the job to one where people are left to fend for themselves in an unregulated insurance market. With many proposals initiative spreads risks and costs by bringing people together, McCain’s plan encourages employers to drop their group coverage, forcing us to be on our own in the marketplace. Obama's plan would preserve comprehensive benefits (?), McCain’s would encourage the development of a system with very high deductibles, up to $11,000, and high individual co-payments for services.
Senator McCain will also impose a massive new tax burden on workers by treating their health benefits as income. In other words, if your employer contributed $9,000 a year towards the cost of your health insurance, you would be taxed on that amount even though you never received this money in cash. This tax increase would be partially offset by a modest tax credit that covers less than half the average health plan premium. His rationale is that by shifting costs to workers, we will use less health care. As he said during a Republican primary debate in December: “[N]obody ever washed a rental car. And that’s true in health insurance. If they’re responsible for it, then they will take more care of it.”
This is why we call McCain’s approach the “you’re on your own” plan. He would make federal tax code changes that would encourage employers to stop offering health benefits. This scheme will only push more people into substandard individual plans that would cost them more than acquiring them as part of a group. His plan means getting less — and paying a lot more than we do now.
McCain’s plan would leave patients at the mercy of the insurance companies by overriding state rules that protect consumers from company abuses. Furthermore, he refuses to use the government’s huge purchasing power to negotiate discounts with prescription drug companies. Instead, he will let them charge whatever the market will bear. His approach calls for limiting government oversight of health insurers and reducing its ability to address abuses such as denying coverage to those who have pre-existing conditions or canceling coverage when someone becomes ill.
Finally, McCain does not offer consumers the choice of buying into a public plan that’s a good value such as Medicare. He relies on the big insurance companies that are largely responsible for our current problems. According to the Government Accountability Office, administrative costs for Medicare are under 3 percent, while administrative costs for private insurance average 15 percent — and can be as high as 50 percent for individual coverage.
Which Side Are You On?
Should America guarantee quality, affordable health care we can all count on or will we continue to be at the mercy of the insurance industry?
Don't know if this is all true, but seems to be the size of it..........TM7
