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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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    ugogurl

    almost 6 years ago

    4 comments

    I don't think this socialist garbage should be given airtime on this site. I am completely appalled!

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    sandygail

    almost 6 years ago

    8 comments

    I am so sorry that many in the nursing profession, the caring profession would support continuing to deny the working poor and the working middle class the opportunity to have and keep health insurance. What is wrong with this picture???

    We as nurses should be our patients advocates. How can we not advocate for a solution to the millions of people, families, children who are unable to afford health insurance? Look at your own place of work...how many CNA's and others in your work area do not have insurance because they can't afford to have the premium deducted from their paychecks? I believe you will be shocked to find that there are a lot of people you work with every day who are not insured.

    When did it become such a selfish profession? "I've got mine....I don't care to discuss why you don't have yours?" "I worked hard to be where I am and I don't want the government to help others to acheive at least a little assurance that they are not forgotten by the US because they will take more taxes from me?????"

    I hope any of you who feel this way will never be a nurse to my family members. Apparently your profession is not caring for others...it's making money and rising to higher and higher affluence in society.

    I am ashamed of the selfish and alienating comments I have read here today. I feel sorry that somewhere along the way my profession has evolved into this.

    I have a home, savings, and I guess I could be classified as middle class, but I know those I work with who have tasks much more difficult than mine do not have healthcare because they can't afford it, LITERALLY. They are not refusing health care at work because they want to...they are refusing it because they can't afford it!!!!!

    When do enough of our co-workers and the vast number of the uninsured in our country who wait to find care until they are too far along in their disease process to be saved and die unneccesarily make us say "No More!" Come on nurses look around you and renew your compassion for your fellow man. Help them to afford what too many of us take for granted. Vote for change and let it begin in our own hearts. Support Obama/Biden

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    dpiddler

    almost 6 years ago

    2 comments

    A rose by any other name is still a rose. What Obama is proposing is socialized medicine. If or when he institutes a nationalized healthcare plan that is more affordable than private insurance or empolyer provided insurance, most people will chose it and the insurance carriers will have to raise rates and/or bankrupt. It will destroy the free market and our choices. My grandfather-in-law died in Germany waiting to see a Uroloigist. In socialized medicine it is very difficult for patients to get an appointment with a specialist. You see, everything costs something in life. When you get cheaper healthcare insurance, the quality of available healthcare suffers. You loose your freedom of choice. If you think that HMOs and PPOs are limiting, just wait until you experience socialized medicine. I don't believe that most American's are going to like the loss of freedom to choose. I know that something needs to be done but I don't think that either candidate has the right solution. They need wise consel from experts and not other politicians before they institute changes. But please remember that a Socialized type of medical coverage will be a disaster. Please don't vote for more government. Look at Medicare, Social Security, and Medicaid, they are in a mess. If the government can't do theses right, why does anyone think they can handle national healthcare coverage?

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    jifferte

    almost 6 years ago

    14 comments

    By the way spe, who in the heck is "Lennon Marx"? May want to hit the books there a bit my friend.

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    nancoid

    almost 6 years ago

    14 comments

    the article seems to be asuming that the polititions (ie) government must provide/ regulate or mandate in some degree, health care.

  • Jen_and_ron2_max50

    jifferte

    almost 6 years ago

    14 comments

    Voting Obama here- no way is McCain's 5000.00 per year credit going to even begin to cover my family for our health insurance needs. I also like his plan to increase competition between both insurance companies and pharmaceutical companies to encourage lowering the overall cost. As a side note- Sarah Palin also scares the skadolas out of me. My mind is pretty well made up.

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    emmalea

    almost 6 years ago

    4 comments

    I love the statement McCain made "Insurance that remains intact no matter where you work and remains if you take time off to raise a family." I am working towards furthing my nursing degree and if I were given this opprotunity I can work 20 hours a week and not 32 I'd beable to spend time with my husband and two children that are under three and focus on my schooling more intently.

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    emmalea

    almost 6 years ago

    4 comments

    I like McCains to be frank because I am a nurse and I have worked very hard to get this far in life and if we just give healthcare away two things may happen.1) Professionals taking care of the people may get paid like teachers and then we'd really have a shortage in healthcare professionals and 2) people won't feel as though they'll be responsible for there health I stay healthy for one reason because I can't risk not being healthy and having to goto the doctor, but I do believe people that can't afford health care even if they do have coverage don't go to the doctor when they first notice symptoms and so the cost increases rapidly if they'd gone sooner there bill would have been smaller a doctor visit not a hospital stay. If this were the case 80% of the time imagine how much our costs would go down.

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    spe

    almost 6 years ago

    2 comments

    AS a small business owner,I will not be able to afford Obama's plan. I have 13 employees, that will need to find work somewhere else. And the office I lease will be vacant, so the owner will have more expenses. Obama claims he will tax 250,000 and over. They now pay 90% of the taxes in our country. If they are going to get taxed more, let's face it middle America, they have the money to leave to go to another country that will appreciate them. Have you ever seen a poor man give another man a job? Me neither!

    Just watch economy shows, and McCain is the best for the economy. If you know much about history, you know Hoover tried the same thing, to raise taxes. It did not work then and it will not work now. If they are going to take money from me to give to others with less, where is my incentive to work and make more. There is none.
    And Lennon Marx said, I can rule the world with 26 tin letters, In the early 1900's, tin letters were the typewriter. Today it is the media, this whole country is run be the media. We are like lambs being led to the slaughter.
    Besides with ACORN in the picture, Obama being elected FAIRLY, will all be a doubt, too bad he ran his election like that. It's unfair to all those who will vote for them.
    Be an American first, then choose your party wisely.

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    booboofixer01

    almost 6 years ago

    6 comments

    McCain's Plan:This plan is more realistic. You choose what company and make it YOUR responsibility. Not the Governments. Be responsible for your self.. With Obama's plan, the Government steps in and takes control. Look at other countries who has tried that plan already and it has failed terribly, Canada, South America, Cuba to name a few. Again, control is the issue with Obama and with McCain you have to be responsible for yourself.. Being a nurse, I say, keep it in the hands of the individuals and not government...

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    Account Removed

    almost 6 years ago

    WOW! After reading this article and your comments I am blown away by they difference in these two nominees and the stupidity of some of the ppl who read it! To put it simply-McCain just wants to take our healthcare further down the road we're already on-and where is that leading us? My parents are hard-working Americans from the Miswest and my dad recently went through a medical crisis, was off of work for nearly a year and are now being sued by medical facilities for payment on their portion of the bills they owe. It's possible under their current situation they may lose their home, not to mention their dignity! It makes me angry to see that this is the best the "greatest country on earth" can do!!! At least under Obama there is a chance some of that will change. AND ALL OF U WHO ARE AFRAID OF OBAMA...HE'S NOT THE SOLE DECISION-MAKER!!! Don't forget there's a system of checks and balances in this country for a reason. He will have to go through the usual channels of Congress and Sentate-ppl who u've also elected. So, if u ask me-I'm ready for a change in hopes that perhaps I won't have to be supporting my parents before I'm 30.

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    DollyMarie

    almost 6 years ago

    6 comments

    Obama vs. McCain: Whose Healthcare Plan Reigns Supreme? I rarely follow these links as they are often one-sided "all nurses are for nationalized health care" type of hype. I followed this link as a potential for further educating myself on differences in position on this topic. What I found upon following it was that it was just one more one-sided "nationalized health care" propaganda. I was very disappointed at the misleading headline; I was hoping for a real comparison.

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    gayletemple

    almost 6 years ago

    2 comments

    WHAT A DISGRACE THAT YOU CHOOSE TO SEND THIS OUT AS A SPOKESPERSON(S) FOR NURSES. B OBAMA WILL CERTAINLY BRING THE FINAL RUIN OF OUR NATIONAL HEALTHCARE! I AM DISGUSTED! G TEMPLE, RN

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    ughani

    almost 6 years ago

    2 comments

    Those are the best,
    Who is pease full.

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    rebeccagui

    about 6 years ago

    4 comments

    Involving the government in Healthcare is just asking for more trouble. You will get Kick-backs and 'gifts' being given to the policy makers that are in charge of setting up all of these programs. Corruption is bad enough, don't let it spiral out of control by making Healthcare into a government controlled entity.
    Obama's plan is to TAX all of us hard working people who are barely able to afford the plans we HAVE, that we are working for. You'll see more and more money taken out of YOUR pay-check and given to the lazy, over-weight smokers who can't possibly actually work themselves,who sit back expecting the 'government' to take care of them, when they themselves can't possibly take any initiative to care for themselves.
    McCain's plan, although I am not really in favor of his Anti-abortion stance and the government interferring with a woman's right to choose, his plan is more realistic where the key thing is for people to take responsibility for themselves. Opening up Healthcare to competition between providers is the only way that costs are going to come down. As soon as the consumer is able to 'shop around' for the best coverage, benefits and co-pay's for the price, you'll start seeing some more realistic changes in healthcare costs.
    The answer is NEVER to give more away for free. There is NOTHING free about Healthcare or Obama's plan. Read between the lines, Government funded = More Taxes paid by us working fools who will support the healthcare costs of welfare recipients and illegal immigrants.

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