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Obama vs. McCain: Whose Healthcare Plan Reigns Supreme?

Obama vs. McCain: Whose Healthcare Plan Reigns Supreme?

NursingLink

October 28, 2008

Presidential hopefuls, Barack Obama and John McCain, both want healthcare coverage for all Americans, but they have very different ways of going about securing affordable insurance for all. Obama’s plan involves a heavier government hand, including subsidies and coverage of all children. McCain’s plan, on the other hand, relies on individual responsibility.





Which healthcare plan do you think will win over the voters? Check out this overview, and then share your opinion on the discussion board.

Senator Barack Obama – Presumptive Democratic Nominee

Obama’s contention with the current US healthcare system is the lack of coverage for 47 million Americans and the ever-increasing costs of health insurance. In order to combat these trends, Obama plans to initiate “Affordable and Portable Coverage for All.”

• Guaranteed eligibility – No American, regardless of health history, will be turned down.

• Affordable co-pays, deductibles and premiums.

• A benefits package that covers all essential treatments – including mental health and maternity care.

• Those who do not qualify for Medicaid or SCHIP can be provided with federal subsidies to buy into a new public plan or private coverage.

• Ability to move jobs or locations and keep the same insurance (if enrolled in the public plan or the National Health Insurance Exchange).

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Source: Creative Commons

• Easy enrollment

• Part of Obama’s plan is the creation of a National Health Insurance Exchange which will help those individuals who want to purchase private insurance plans. This program will monitor insurance companies in order to guarantee affordable insurance for everyone. The Exchange will mandate that all insurance plans are at least as generous as the public health plan. If there are differences between plans, the Exchange will make the differences public.

• Obama’s plan will require that employers make an adequate contribution to their employees’ health coverage. If they refuse, they must contribute a percentage of payroll toward the costs of the national plan. Small businesses will receive a Small Business Health Tax Credit.

• Small Business Health Tax Credit: This credit will be refundable up to 50% on premiums paid by small businesses on behalf of employees.

• Mandatory Coverage of Children: All children must have health coverage.

• Eligibility for Medicaid and SCHIP will be expanded.

• State health plans will not be replaced by the national plan.

A key element of the Obama plan is to lower the cost of health insurance for everyone. He says this can be done by modernizing the system:

• Reduce the cost of major health expenditures by reimbursing employer health plans for a portion of the costs if the savings are used to reduce employees’ premiums.

• Support disease management programs by requiring providers to use disease management programs.

• Encourage team healthcare.

• Full disclosure of quality and cost.

• Ensure providers supply adequate care by promoting patient safety, reward providers based on quality of care, and strengthening anti-trust laws.

• Emphasizing electronic health technology systems.

• Increase competition in insurance and drug markets in order to lower the cost to consumers.

Finally, Obama endeavors to create new initiatives to further the advancement of the healthcare industry:

• Support biomedical research through funding and investment as well improve the efficiency of research by coordinating with the government and other organizations.

• Combat AIDS worldwide through increased investment.

• Strengthen the Americans with Disabilities Act and improve mental health care.

For more information on Senator Obama’s health plan, please visit BarackObama.com.


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  • Iq_max50

    MissRN2009

    almost 6 years ago

    28 comments

    I agree, but what's done is done!

  • Me_work_max50

    basiajune

    almost 6 years ago

    104 comments

    If anything there needs to be more programs to prevent all these children to be born and the parents can not take care of them and do not work so they end up getting welfare and medicaid. I would be more happier going to work and having my hard money taken out of my checks if it is going toward preventing babies to be born and their parents not being able to take care of them themselves!!!

  • Me_work_max50

    basiajune

    almost 6 years ago

    104 comments

    I also like McCains plan better because Obamas will increase our taxes for those who want to work! I also kind of agree with Farmgirl796. It was not right for her to say that it is only illegal people who do not have insurance. But I live in Chicago and you see alot of people taking advantage of the government insurance that we are paying for and the more kids they have for free the more they get. And I do now of a few people that have came here to Chicago to have their kids and not pay for anything and then go back to Mexico. I do billing for Public Aide patients. And it is a nurses job to help and take care of those who can't take care of themselves and are sick. But something has to be done for those that are paying taxes and working hard and paying for another teenager to have another baby claiming she does not know who the father is so she gets more. It is not right for us!

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    lashawn586

    almost 6 years ago

    2 comments

    I have been a RN for about 6 months now. I have a son with severe ashma in and out of the hospital healthcare insurance is so crazy I can barly handle my other responsiblilties of daily living, because I pay so much for healthcare. I am with Obama's plan everyone should have healthcare no matter what conditon they are in or how they live and we as Nurse should understand that

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    gerinurse613

    almost 6 years ago

    2 comments

    Farmgirl796: As a fellow nurse, I am ashamed at your comments. I can not believe you would think or say that in the United States "most" of the people without health insurance are Illegals. You are in healthcare and your priority should be to help all who need medical care without regard to race or status. It sounds to me like your one of the many nurses who got into nursing because of the money not because you actually care about other human beings. We are all in the same boat, I have health insurance that is costing me an arm and a leg. But I am also a nurse who believes in helping those in need and need the care I can provide. By the way I am a born and breed American and believe in helping those who can not help themselves, not matter where they come from!

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    djroxy05

    almost 6 years ago

    2 comments

    I like McCain's plan. Sounds nicer to me to be in control and have a say in my healthcare plan, rather than have it government mandated and paid for by increased taxes.

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    farmgirl796

    almost 6 years ago

    4 comments

    Let me say as a nurse, we see very little people who have insurance. Most are illegals who come to US to have their baby, and go back home to Mexico or whereever. They get "emergency Medicaid" - and never have to pay a dime. While us nurses (for example) are working our asses off to make ends meet, we are paying for these freakin illegals and all the other lazy asses who won't get a job. Some 20 yr olds having their 4th or 5th baby, will call their friends on the phone and say "I had another kid, I'll get more welfare money, food stamps and free food from the WIC program". That burns my ass that I work to pay for their babies to be born. Why don't everyone take care of their own? If you have no incentive to get out there and have a job, or use birth control, they why should I have to pay for you and your family to lounge around the rest of your life? You can't afford insurance, but your cell phones, and video cameras are top of the line, and way better than what I can afford. What is up with that? If Obama wants equal health care, he better be finding somewhere else to get the money than from my pockets.

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    prettyprincessnv

    almost 6 years ago

    6 comments

    Sounds too good to be true Obama! Coverage for all ? Whos going to pay for that honestly. Even coverage for illegals? Thats not smart, we should make sure people can go to college and get good educations and jobs so that they can afford their own health care. The government can't afford heath care for all and eaither can we!

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    Osborne5117

    almost 6 years ago

    4 comments

    I'd rather my government made sure healthcare/insurance was available to everyone than to wash it's hands and look the other way. Not everyone who can not afford insurance or is under-insured is a lazy bum. That type of stereotyping needs to be put to rest so that we can move forward as a nation. Medicare/Medicaid needs a serious overhaul to reduce fraud and improve efficiency. Lets start living in the solution, not the problem.

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    ZonaB2

    almost 6 years ago

    4 comments

    A few facts seem to be overlooked in some of the previous comments:
    1. There is already a major shortage of nurses in the United States. Estimates are that approximately 1 million Registered Nurses (RN) will be needed by 2012 to alleviate the current shortage of nurses.
    2. The current pay for RNs varies greatly across the country. Some RNs are paid quite well. Others are barely above the poverty level.
    3. If the work environment becomes even more hostile as government dictates care that can and cannot be provided...even more so than the current situation...which is pretty frustrating most of the time, we will see burnout occur at an even faster rate than the current 2 - 3 years burnout rate we see among new RN grads.
    4. The average age of RNs is 48 years.

    I could go on about the shortage of pharmacists, physical and occupational therapist, etc. However, I think you get the idea. The shortages will only get worse as the Baby Boomers retire and become patients as they age.

    Socializing the health care of this country will not motivate future nurses, doctors, pharmacists, PTs, OTs, etc. to enter the field. They will not be able to truly advocate for the needs of their patients when everything is dictated by the government.

    Before the days of Medicare and Medicaid, the cost of health care was dictated by the local market. Doctors often were paid by bartering by patients who did not have cash. The local economy dictated what the doctor could charge.

    Once government got involved, the costs sky-rocketed! Until the pharmaceutical industry curbs their craving for outrageous profits, the entire industry is stuck in the upward spiral of costs.

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    ZonaB2

    almost 6 years ago

    4 comments

    I have been unable to find how Obama plans to pay for all his initiatives.

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    u84r06

    almost 6 years ago

    2 comments

    Why don't we the people take responsibility of our own health. We can then be 100% in control without the government telling us where to go, when to go, and who to go to. I don't live in Canada. I don't want socialized medicine. We will loose a lot of great Dr.'s is Obama gets in office. Scary to think that I will be punished because I work for what I have, but those that choose not to work, I pay for them also. Not right.

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    pgainer

    almost 6 years ago

    2 comments

    NO matter who you vote for health care is an industry and it like other business is in need of being fixed.medicare is not the answer to what ails our health care economy.medicare has gone for many years without concurrent monitoring of utilization.Providers are reviewed retrospectively and often are denied payment for services and may be fined.Ever hear of medicare fraud? CMS is the regulating bureau for MC and MA(medicaid) and commercial insurances follow CMS guidelines for payment and reimbursement.The heath care insurance industry is highly regulated by the state dept of labor so government is not seperate from the private sector.Please become educated on how the insurance industry monitors providers and reimburses for services.Reimbursement affects our salaries!SO much to learn-I'm a case manager and I know.

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    ToxicShock

    almost 6 years ago

    18 comments

    Iowagirl, what is your solution for people who cannot afford healthcare? They would be fucked under McCain' plan, but would get coverage with Obama's. Would you rather have people continue to be uninsured just so they can "take a little ownership"? You obviously have never had to deal with being less than middle class.

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    Iowagirl

    almost 6 years ago

    2 comments

    Sounds like McCain is giving the people the choice to be responsible with their money & Obama is spoon feeding you. I say Grow up America & take a little ownership. Don't let someone spoon feed you & make you think everything is OK. He is manipulative!

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