Wednesday, April 30, 2008

McCain's Health Care Plan

Normally, I give a fairly detailed opinion on points raised as part of a candidate's health care plan. Now that we finally have one from a Republican, I thought I would do the same. Having just read it, the problem confronting me is that there is no plan. It's nothing but a bunch of marketing mumbo-jumbo that amounts to little more than a new tax credit.

The main problem I experience with health care is availability of insurance. What does McCain want to do? He wants to "...Work With Governors To Find The Solutions Necessary To Ensure Those With Pre-Existing Conditions Are Able To Easily Access Care." Let me translate for you. He wants to throw you into what states call their High Risk Pool, a cumbersome bureaucratically run process with ridiculous qualification procedures, high premiums, and massive deductibles.

My family went down that road. We paid some $400/month for my wife's CORBA coverage for 18 months to qualify for the High Risk Pool. If we had continued, she would have paid $350/month for a $500k lifetime limit (most policies are at least $1 million) with a $7500 deductible. The really amusing thing about that is a $7500 deductible would disqualify us for an HSA. We'd have to reach for an even higher premium to get a qualifying deductible.

maverick (n): Someone who exhibits great independence in thought and action.

Raise your hands if you think McCain's nickname should be changed. What a joke. It took his staff the entire primary season to come up with the same junk Bush said 4 years ago??? Pathetic.

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