What will happen under the McCain health plan to people who have pre-existing conditions?

Question

I understand he wants to stop employers from paying & instead have people pay their own but get a tax credit of about $5,000 a year. I am not voting for him but I just saw a young lady who wanted to explain this to her mother & I didn't know. I heard you will be in trouble if you have a pre-existing condition. His plan doesn't seem to be fair for all people. The rich countries around the world all cover all the citizens so this is insane to me & I have never heard a real person who lives in a country like this complain. People are so stressed out in this country & it would elievate that which improves health in a big way.

Answer 1

Oops ya let out the secret.   It really gets worse.  what good is a $5,000 tax credit when family coverage for someone without a pre-existing condition runs around $15,000.   Triple if you have a pre-existing condition....how many people between the ages of 50 and 65 do you know without pre-existing conditions?

Answer 2

ya, keep spreading the truth on here, i noticed if you take some time off then the White-house White-wash Bush-backers start creeping back in trying to convince people they need to sacrifice for their country to keep out the commies and the terrorist, while they hop a private plane and go on vacation in Dubai for a month~!

their was one earlier who said "of course it was for oil and the ones that speak out against us fighting for oil are traitors" or something to that sort~!

it gets pretty sickening~!

keep on their as*~!!!!

Answer 3

Those who have a pre-existing condition are out of luck under McCain's plan.  Even John McCain would not qualify for his own plan!  Obama clearly cares for ALL Americans.  It is truly sad that McCain does not believe in "liberty and justice for ALL," but only 'liberty and justice for SOME.'

Answer 4

They would suffer.

From the New York Times:

Mr. McCain’s health care plan would shift the emphasis from insurance provided by employers to insurance bought by individuals, to foster competition and drive down prices. To do so he is calling for eliminating the tax breaks that currently encourage employers to provide health insurance for their workers, and replacing them with $5,000 tax credits for families to buy their own insurance....

Democrats and some experts said the proposal might lead some employers to stop offering health insurance, and questioned whether the tax credit would cover the cost of private insurance.

There is no “might” about it, the proposal will cause many employers to drop health care insurance altogether or significantly roll back their offerings. The tax break that employers get is the most significant incentive for them to offer insurance to their employees. Without it, the only incentives to an employer are intangible. For instance, more competitive benefits help attract better workers, and healthier employees are more productive. But how many companies will continue to shell out $7,000-8,000 per family per year for coverage if they are not able to deduct those costs? Probably not that many.

Based on the most recent statistics, the tax credit will not nearly cover the cost of private insurance. According to the National Coalition on Health Care, the total cost of the average family health insurance plan is $12,100. Of that the average family pays $3,300 in premiums with the rest covered by the employer. Under McCain’s plan, that average family would receive a $5,000 tax credit to offset the cost of the plan, leaving the family to cover the remaining $7,100 in premiums.

The average family who pays $275 per month for health insurance would see their premiums rise to $592 per month under McCain’s plan, a 115% increase.

McCain suggests that his plan will “foster competition and drive down prices,” but the retail price of the average plan would have to drop from $12,100 per year to $8,300 in order for the average family to see no premium increase. In an era where medical premiums have nearly doubled in the last seven years, can anyone rationally expect that health insurance costs will drop 31% as a result of McCain’s plan? No.

While the promise of a $5,000 tax credit will sound like a great plan to many voters, it is nothing more than another device to shift the cost away from corporations and onto the backs of the working and middle-class. The McCain plan is a loser for ordinary Americans.

http://www.bluemassgroup.com/showDiary.d...

McCain, in true "conservative" fashion, also wants to remove government regulation on the health care industry. He's obviously not keeping up with the news (maybe he should learn how to use the Internet), as deregulation is at the heart of the banking failures (like IndyMac), the mortgage lending crisis, and large corporate disasters like Enron, as well as increased speculation in oil trading that has driven gas prices over $4/gallon.

We truly can't afford McCain in office. Like with Bush, the rich and big industry will get richer and fatter, and ordinary Americans...will suffer. McCain will, if able to push his ideas through, economically destroy everyone in middle-class America and down

http://robschumacher.blogspot.com/2008/0...