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Hillary Unveils Universal Health Plan

Hillary Clinton announced her universal health care plan today in Iowa. The plan offers a package of subsidies for individuals and small businesses to afford health insurance, expansion of existing government programs for people who wish to buy in, requirement that everyone have health insurance, and a new set of regulations on insurance companies. The details are available here.

The cost would be about $110 billion, paid for by rolling back the Bush tax cuts on the top income earners.

"My plan covers all Americans and improves health care by lowering costs and improving quality," Hillary said in a campaign press release. "If you’re one of the tens of millions of Americans without coverage or if you don’t like the coverage you have, you will have a choice of plans to pick from and you’ll get tax credits to help pay for it. If you like the plan you have, you can keep it."

In an early review, Ezra Klein comments, "The short answer: Her plan is very, very good. Indeed, it's very similar to Edwards' plan."


27 Comments

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So Hillary's plan is to line the pockets of Insurance Companies with the profits from mandatory purchase of health insurance rather than just providing Medicare to all.

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You can see more of this nonsense at Boston Globe op ed

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It's a first step, and threads the needle of not pissing off the insurance companies too much (like tobacco and oil they'll see the writing on the wall) while also putting us a step closer to 100% universal healthcare. I think it's much more likely to succeed than Edwards's or Obama's plan.

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Umm, I wonder if Edwards could sue Clinton for plagiarizing his plan and putting it out under her name. At the least, Hillary should give credit to the sources [Edwards and Obama] of her 'plans' as well as her latest 'borrowed without attribution' campaign messaging.

Seriously, is this a form of 'triangulation', taking someone else's creative popular work and pretending to originate it?

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So kneejerk Hillogynist Michael Caine managed to get on the board first with his gratuitous slam at Hillary.

Stunning analysis, Michael. So much more insightful than Ezra Klein's reaction. What was that again? Oh yeah, "Very, very good, indeed. In fact, it's very similar to Edwards' plan."

If you hurry, Michael, maybe you can still get your deep, well-thought-out factual analysis into this afternoon's Drudge Report.

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Hillary has said that even though health reform is her top domestic priority she won't deliver on it until a hypothetical second term. One wonders if she thinks she can deliver on other important issues at all in 8 years. Presumably, she knows she won't win as broad a mandate as perhaps other candidates could and is fearful of being used for Republican propaganda. Did she comment on this today?

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Tax credits? I don't recall Edwards resorting to that nonsense. If this is the best Hillary can do, she's really not worth the time. Once again, a Dem that leads with the compromise instead of with the best solution.

colonpowwow, are you going to grow up soon and stop with the attempt to make Hillary naysayers into woman-haters? Aside from the childishness, your construction would mean either "Hillary female" or maybe "Hill woman". Strange kind of accusation, and as tedious and meaningless as your candidate. If you think you're doing her a favor you're sadly mistaken.

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This plan would continue to waste money on administrative costs.

In other words, it keeps money flowing to the current crop of parasites.

I may be thick, but I'm not understanding why it's important to keep the insurance companies happy. They. Are. The. Problem.

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Frankly, I don't want another tax credit to pay for it-- is there an unquestionable guarantee that it will never be reduced or removed, and how many people will lose out on it, and the insurance companies gain from it when there will be thousands who probably won't claim it when they file?

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Right.... Require everyone to get insurance - from the same people who have denied coverage to them, priced them out of the market, or cancelled coverage when they have a claim.

'Universal health care' is not the same as 'universal health insurance'. I expect someone running for president to understand that. Hillary doesn't seem to understand it.

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Dan W - Hillogynist is a made up word that I use to define irrational, knee jerk, types who feel they must include personal attacks - you know, "Shrillary," "Bush-lite," "just like Lieberman," you know, all the non-issue oriented "anybody-but-Hillary-and-I'm-sitting-out-the-election-if-she-wins" types in the left and right blogospheres. They are lousy with Hillogynists and they know who they are.

You are apparently confusing my made-up word (not to be further confused with "Billogynists" which would include irrational hatred of the other half of the couple) - with misogynist - which is hatred of women. This is a real word.

If your distaste for Hillary for legitimate reasons (her votes on Iraq War authorization, Patriot Act) etc., have degenerated into "anybody-but-Hillary" hatred, well if the shoe fits . . .

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Dave W. - of course I meant to address comment to Dave W. not Dan W. I play in a band with twin brothers Dave and Dan W. and my mistake.

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People, including Edwards himself apparently, are being too quick to say that Clinton's plan is just a carbon copy of Edwards'. What the Edwards plan includes that the Clinton plan does not is the creation of a new non-profit structure, called Health Care Markets, that will act as a leverage against for-profit insurance and eventually "evolve toward a single payer approach." Rather than using the economies of scale of a public entity to compete against insurance companies, Clinton's plan seems to allow for-profit insurance companies to continue to charge whatever they want and let people take the increased premiums off their taxes. Isn't this just subsidizing our current system rather than truly reforming it?

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colonpowwow, since "gyne" means feminine, you either don't know what you're saying or you're attempting to make a play on misogynist and accuse Hillary's detractors of hating her because she's a woman.

The post that yours responded to had no personal attacks in it at all. It was about policy, which is the basis for many of us believing she's the worst of the Dem candidates. The woman-hater card you're trying to play is not doing your candidate any favors -- I don't much like her, but she's better than that.

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this is ANOTHER huge corporate subsidy that will not help the poor/working poor to get healthcare! a FAR cry from the Hilary who started working on universal healthcare years ago! what a jerk!

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Screw her. MANDATORY health insurance?!? SCREW HER. This will be a windfall for the insurance companies and will fix nothing.

Did I mention SCREW HER?

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colonpowwow, way to follow in Hillary Clinton's usage of Rovian methods. Call anyone that disagrees with you or your candidate as being full of hatred rather than actually addressing what was said.

BTW, as was pointed out above the suffix "gynist" of misogynist refers to "women" or "towards women." It is the prefix "miso" that is the part that refers to "hatred of."

The simple fact is that insurance companies and the required staff to file claims as well as the requirement for profits is the predominant cause of rising health care costs. This plan requiring everyone to buy health care insurance is a tax. Only rather than having the tax go to the government it is privatized and going to the insurance companies.

Insurance companies that care only about profit and not about providing needed medical care. Just like Katrina victims, the insurance companies will do everything in their power to not pay out what they are contractually obligated to. They will force people to go to court to get them to pay, meanwhile the medical costs either go unpaid (absorbed by medical providers and passed on to everyone else with higher costs) or paid by the individual with money they can't afford or, worse, sent to collections destroying the person's ability to get loans for housing or vehicles at a reasonable rate.

Try addressing the actual comment rather than making Rovian ad hominem attacks.

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This definitely makes me lean Obama more I'm afraid. It's not universal if the businesses still own our insurance. Health care is and would be under Clinton's plan just another way business owns our bodies.

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Oh and colonpowwow, I don't hate Hillary Clinton. I think she is a fine Senator. I do think she would make a so-so President. Both because of the partisanship her name brings and her history of following the polls rather than showing courage of her convictions.

I do hate that some of her supporters use Rovian tactics like yourself and the fact that she both encourages and uses them herself. It appears that the lessons she learned were the wrong ones. Those methods encourage hatred. Both in people like yourself and her opponents. It is the politics of hatred that she decries but then uses herself. There is a word for that. Hypocrisy.

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Although a tax credit is better than a tax deduction if you're going to force people to buy insurance, I still have not seen any comments on the fact that you can only get tax credits up to the total amount of taxes you pay. For example: a family that has to buy their own insurance and spend $6,000 a year on premiums (assuming $500/month which is probably low for a family of four) will be able to get a tax credit of $6,000, assuming the entire premium cost is allowed to be used to calculate the tax credit. That family will have to have an annual federal tax bill of at least $6,000. I don't care to figure out all the numbers on this but a low-income family, or "working poor" probably doesn't have a federal tax bill of $6,000+.

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Excellent point, Dan. I suspect you're right.

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The whole tax credit idea is very Republican and of limited value as pointed out above, you have to pay a fairly significant amount in tax to really benefit from the credit.

The reason, of course, that no one takes on the insurance companies directly is fear that their entrenched power would scuttle any meaningful attempts at establishing a health care system that works for the people instead of the insurance companies. My guess is that until the insurance companies are confonted directly and stripped of the unearned riches they reap off of the population annually, we will continue to see people being financially raped for health insurance that cost more all the time and covers less. I wish Hillary could have offered something that amounts to more than this.

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Dan, VictorLazlo and oleeb: My understanding (via Ezra Klein) is that the tax credit in the Clinton plan is refundable -- subject to a sliding means test for percentage of family income required to cover premiums. Since refundable tax credits can by definition result in net negative tax liabilities (i.e, subsidies to those with no tax liability), the plan is in principle immune to this particular line of criticism. In practice, of course, everything will depend on where the percentage-of-income cap is set for the credit. There, we can no doubt anticipate legislative battles similar to those over the threshold for the EITC.

jeffbinnc: The Clinton plan reportedly includes a public insurer option (modeled on Medicare) to compete with private insurers, as well as extensive private-market regulation to prevent risk-pool manipulation by selection or price (e.g., mandatory community rating, non-discrimination by demography or pre-existing condition, no right to deny or refuse renewal coverage). Although it employs a slightly different mix of mechanisms than does the Edwards plan to check the market power of private insurers, such a plan does not seem to me to be fairly characterizable as "allow[ing] for-profit insurance companies to continue to charge whatever they want."

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Tax credits still mean that a person who doesn't have the means cannot pay for health insurance based upon a future refund. It's the favorite route of Republicans for doing everything for the past 30 years because they know that as a practical matter it won't work out for those who need it most. I'm not saying Hillary is Satan for using this device but it is a disappointment to see this approach from any major D running for President because in order to get in to the game you have to be able to afford something. There inevitably will be a group of people not poor enough for free participation but without the means to pay premiums that are totally ridiculous in the interim. It's just a poor device as is the idea of making isurance mandatory, putting the onus on the people who need medical help instead of on those who have been leaching off the rest of us forever.

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Dear Hillogynists - The made up word is a joke, you know, a play on words. It obviously worked to make my point so I'm liking it even more now that I know it bothers your knee-jerk, Hillary-bashin' azzez. (shaky root notwithstanding - gee shaky root - sounds like there could be a good joke in there too, I can't stop myself!). Sheesh. The fact that a word bothers you so much only lets me know that I've hit a nerve. Hey, just consider the source.

Calls Hillary-bashers a made up name = bad.

Calls me Rovian = okay.

Do I have it right, Noah Webster?

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Let's see, in this thread touting her positive contribution to the health care crisis in America, posters have this to say about Hillary:

"In the pocket of the insurance companies."

Her plan is "nonsense."

Plagarist

"What a jerk!"

"SCREW HER"

I stand corrected on calling these fine posters my Rovian, made-up name. Thanks Michael and Dave W.

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I was starting to back the Clinton campaign until her stinker of a health care plan was unveiled today. She has sold out to the insurance industry.

As a licensed clinician, believe me, the only solution is a universal plan, modeled after Medicare, that puts the filthy, greedy insurance companies - and the immoral people who work for them - out of business.

Al Gore supports the universal plan.

Run Al run!

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