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May 22, 2013
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Feeling Burned on Health CarePosted on Dec 17, 2009
By Ruth Marcus The left has come unhinged over health reform. Make that dangerously unhinged. The Senate bill would extend coverage to more than 30 million Americans who would otherwise be uninsured—and provides $900 billion in government subsidies to get there. It would crack down on the most abusive practices of the insurance industry. No longer would insurers be allowed to refuse to cover individuals with pre-existing conditions, charge them more because of poorer health, or cancel their policies once they get sick. People who lose their jobs, or their insurance, would have a place to turn for coverage through the new insurance exchanges. For the first time, childless adults living in poverty would be guaranteed health care through Medicaid. MSNBC’s Keith Olbermann calls this a “hollow shell of a bill” and warns President Barack Obama of the “distinct possibility” of a primary challenge in 2012. Former Democratic National Committee Chairman Howard Dean calls it a “bigger bailout for the insurance industry than AIG” and “not worth passing in its present form.” Blogger Markos Moulitsas tweets, “Time to kill this monstrosity coming out of the Senate.” The fundamental problem, they argue, is the Senate’s failure to include a public option—a government-run insurance plan to compete alongside private companies in the insurance exchanges. Without such a public option, they contend, there will be no discipline on insurers to control premium prices—even as individuals are required by the new mandate to buy insurance they won’t be able to afford. Advertisement What do you imagine would happen if premiums turned out to be unaffordable—even with hundreds of billions of dollars in subsidies? Would Congress enforce the mandate for individuals to buy insurance, or ease it? Would Congress keep subsidies at the same level, or make them more generous? Would Congress play nice with insurers, or add a public option? History teaches that, once in place, entitlement programs tend to become more generous, not less. The approach to programs that do not work as intended is to lubricate their operations as Congress does best—by spending more money. This is a cause for concern about the Senate bill, but not among liberals. Those who denounce the Senate plan imagine that President Obama and fellow Democrats possess political muscle to achieve something more. They don’t. If health reform does not get done soon, its moment will be gone for years. Congressional Democrats are likely to be in a weaker position after 2010. And Americans, particularly poorer Americans and those without insurance, will be far worse off with the status quo, which is what will result if liberals succeed in their effort to kill the Senate bill. That would be the real monstrosity. Ruth Marcus’ e-mail address is marcusr(at symbol)washpost.com. © 2009, Washington Post Writers Group New and Improved CommentsIf you have trouble leaving a comment, review this help page. Still having problems? Let us know. If you find yourself moderated, take a moment to review our comment policy. |
By Jackie Feazell, January 1, 2010 at 4:41 pm Link to this comment
(Unregistered commenter)
“If health reform does not get done soon, its moment will be gone for years.
Report thisCongressional Democrats are likely to be in a weaker position after 2010.”
Why will its moment be gone for years? We can continue to insist on reform we
can believe in no matter who’s in office. Many of us no longer suffer under the
delusion that a Democratic president and Congressional majority matters
much. Democrats will be in a weaker position after 2010 exactly because they
can’t deliver. Don’t think I’m saying Republicans will do better; I shudder that
Democrats have blown it so bad that we’re headed farther right yet again. It’s
not just health reform either; continued war, bailouts, financial regulation, etc.
etc. - pick any issue and see what’s being done. A newsletter from Boxer
arrived in my email yesterday on highway safety, more rumble strips, but I’ve
had no Congressional response to my emails about war funding and health
reform. So who cares? Republicans or Democrats - we can fight either one -
little of real value gets done in Congress either way.
By bobbylon, December 24, 2009 at 10:28 pm Link to this comment
I would like to ask Ms. Marcus if she would have supported this bill if it had been proposed in a Bush/Republican congress?
does anyone believe for one iota of a second that 30 million are going to be *actually* covered by this bill? With no limits, caps or anti trust restrictions. Please. Who’s being naive now?
And the attacks on people like Keith Olbermann? come on, his dad is dying under the shame and bureacracy of the brutal healthcare system who profit not by providing coverage but by denying coverage. jYou really think he was gonna swallow this crap as an improvement? Just b/c Obummer is bored and wants to move onto “jobs summits” where he can just pontificate some more?
The thing that Marcus and that disgusting article posted on truthdig this week by Bill Boyarsky are really missing the point. Leftists, whatever that even means today, are committed to ideology not political parties. We’ve relived this phony populism before under Clinton. We’re not that stupid and gullible to believe that Obummer is one of “us” by his actions not his unaccountable and empty speechifying. Hopeful for change doesn’t make us too dumb to realize we’ve been exploited again for electoral gain. See you in 3 years suckers
And say what you want about Howard Dean, Markos Molitsos, Olbermann etc they are committed to new ideas and the expression of political power. Maybe they expected Obummer to actually deliver on his fake slogan of Change & Hope which has been as bankrupted as Bush’s “compassionate conservative”.
Ms. Marcus is castigating the left’s refusal to swallow this phony healthcare bill as disloyal to what? Remember before the left embraced Obummer from the very beginning when it was “Hillary and the Seven Dwarves”. He should be more loyal to Howard Dean than effing Joe Lieberman.
Who will Marcus blame when the left stays home in ‘010? Olbermann and Molitsas? The “left” whatever that means should wake up to the reality that Obummer is Center Right not even the slightest bit progressive. This weakling can’t even stand up to the generals to undo don’t ask don’t tell. Puke
Report thisBy bobbylon, December 24, 2009 at 7:18 pm Link to this comment
Those of us on the left are being excoriated for not supporting this bill. I wish Axelrod, Obummer and Rahm were as publically vexated towards Joe Lieberman as they have been towards Dr. Howard Dean
But two things I don’t see mentioned as reasons to kill the bill. the unconscionable limits on female reproductive rights adn coverage in a Democratic written legislation (You just gonna roll over for that Ms. Pelosi?) AND that this gives the insurance industry ANTI TRUST exemption. Are you kidding me?
the latter is just too much for this lefist to look past and the former? How are women going to be inspired to vote Democratic in the upcoming elections?
And if we’re going to pump 900 billion into a for profit subsidy system I weep at what could have been a great down payment investment on a true single payer arrangement.
Isn’t Obummer worried about how this affects him for re-election? Civil war in his party over health care, failure and quite frankly lazy attempt at “Nopenhagen” and the only jobs he has added to the economy are the 50,000 troops he has committed to the civil war in Afghanistan which has a real danger of further destablizing Pakistan. WTF?
If he truly believes he deserves a grade of B+ he has the lowest of expectations which fits perfectly in how his leadership botched this healthcare bill which has exposed the democrats as just the next party in line to feed at the trough. to hell with the Hope & Change “lobby”
Report thisBy gerard, December 22, 2009 at 12:48 pm Link to this comment
Once again: No matter what happens with this particular attempt, let’s get the medical and health care professional organizations involved immediately for the next round to up the benefits. They are the ones who see up close and personal the sad, down and out patients in pain. They are in the “do-no-harm” profession. They know the harm that inadequate care caused by insufficient insurance causes, and they know the rake-off of the insurance companies also. Get them to speak out as organizations and make recommendations, run ads, petitions etc. get them involved. Doctors, technicians, nurses, health care people, social workers—all across the health profession scene—they ought to be heard and would add strength to improvements. They certainly don’t love the insurance companies and all the unnecessary red tape. They ought to be expected to weigh in on this problem. Where are they so far?
Report thisBy ardee, December 21, 2009 at 3:48 am Link to this comment
peacenik1, December 21 at 1:23 am #
(Unregistered commenter)
This bill is a vast improvement over the status quo. Consider it as “a first draft.”
A bill passed today could be improved tomorrow.
This is just a beginning.
This hopeful commentary overlooks the fact that this bill is a guarantee of profits and no guarantee of real health care reform.
This “first draft” assures a 20% margin for the middle men of health care, really nice work and worth the many millions lobbyists lavished upon our lawmakers.
That this bill, in whatever form it ultimately takes, can be amended in the future is moot. That it can be altered to increase profit rather than efficiencies seems a more logical assumption considering how our Legislature panders to the wishes of the industry rather than to the needs of the people.
Report thisBy KDelphi, December 21, 2009 at 1:05 am Link to this comment
White House as Helpless Victim in Health Care Debate
http://www.greanvillepost.com/?p=2345#comment-181
It will probably work about as well as Dem party credit card bill of rights and financial services reform…
Report thisBy peacenik1, December 20, 2009 at 9:23 pm Link to this comment
(Unregistered commenter)
This bill is a vast improvement over the status quo. Consider it as “a first draft.”
A bill passed today could be improved tomorrow.
This is just a beginning.
Note: The Congressional Budget Office (CBO) estimates that the Senate bill could
Report thisactually reduce the deficit.
By Tryingtounderstand, December 20, 2009 at 8:33 pm Link to this comment
(Unregistered commenter)
I’m just trying to understand all this…
Now unemployment is officially at 10%, and unofficially at maybe 15 -18%,
and 25% of homeowners are underwater in their mortgages…
while rates are set to reset over the next three years from the low teaser rates they
originally signed to higher rates. And we won’t even mention the commercial real estate
coming debacle (look around). People along the east coast are defaulting on their heating
bills, while the state of California is essentially bankrupt. Food stamp usage has doubled
in the last three years, small business is experiencing a slow rate of attrition through
monetary starvation…
And the best our great leaders can do is mandate a health insurance policy on those who
cannot pay, and put the burden onto businesses which are already struggling and dying
off? And they are going to fine you if you can’t pay?
So I guess the police (who are already on socialized health care) and the military (who are
all ready on socialized health care) and the government (who are already on socialized
health care), for the health insurance companies (who don’t pay for health care
insurance) are going to enforce their will upon the remaining few people in this country
who are still trying to actually work.
Dear Congress… let me give you a bit of advice, I’ve been underemployed and wiped out
from our financial markets for some time now, and have few resources left and let me
share with you something I’ve learned… Not having any money really simplifies things…
Make as many laws as you want… I don’t care… The are irrelevant…
This is so going to backfire…
Report thisReality has a way of making farts come out the wrong end,
and when you print them, you get things like our current health care upgrade…
a big mess of verbal diarrhea.
By Textynn, December 20, 2009 at 6:50 pm Link to this comment
(Unregistered commenter)
Thank you Keith. At least there is someone out there that sees this for what it is. The baby step argument and the half a loaf is better than none argument don’t even really apply to this problem… which is the Medical Insurance Industry does not have the right to hold health care eternally ransom.
Report thisBy Bud, December 20, 2009 at 6:18 pm Link to this comment
(Unregistered commenter)
It is imperative that we find a way to suspend ALL healthcare benefits to EVERYONE in congress.We have to do it.Is there anyone with the knowledge to start the ball rolling?
Report thisBy bogglesthemind, December 20, 2009 at 12:45 pm Link to this comment
“You underestimate the power and greed of the upper classes in this country and their deep desire to take away anything
they perceive as “helping” anyone.”
The people we always refer to as “upper class” are really “lower class”; they just happen to have a lot of money. The one
thing, if anything, that does not connote “Class”, is money.
Seeing. understand, and addressing the plight of ones fellow man is the mark of real Class. Greed is not.
Report thisBy Bud, December 20, 2009 at 10:47 am Link to this comment
(Unregistered commenter)
Well,here we are folks victimized by our “democracy” once again.It’s evident that the democrats (that I and the rest of my family used to be)really,really,really screwed us again.They are nothing more than a bunch of cowardly PIGS!Is there anyway we could start a national petition to deny ALL the members of congress their healthcare benefits?We need to do something along these lines however I don"t have the wherewithal,nor the legalistic talent to do this.Perhaps Keith Olbermann could assist us in this cause.
Report thisBy the worm, December 20, 2009 at 10:33 am Link to this comment
“Dangerously unhinged” Oh, really?
Try this on for hinged, from the Washington Posts summary of the ‘80/20
Compromise’ by Shailagh Murray and Lori Montgomery; Washington Post Staff
Writer ; Saturday, December 19, 2009; 1:30 PM. Here goes:
“Reid’s package also would give patients the right of appeal to an independent
state board if an insurer denies a medical claim. And all insurance companies
would be required to spend at least 80 cents of every dollar they collect in
premiums on delivering care to their customers.” An individual’s ‘right to
appeal’ is reminiscent of the line spoken by a tobacco industry litigator in
‘Thank You for Smoking’. When asked by his son “What makes America great,
Dad?”, the corporate attorney replied “Endless appeals.” We’ve all seen this
movie.
But the next line in the Post’s summary of the ‘compromise’ reveals even more,
perhaps, a major source of ‘unhingement’: “And all insurance companies would
be required to spend at least 80 cents of every dollar they collect in premiums
on delivering care to their customers.” The 80/20 ‘Compromise’ is by far the
most blatant admission that Reid et al have crafted yet another corporate
bailout at the citizens’ expense. Now, get this: 20 cents of every dollar - that’s
20 cents of every 100 cents - by law (at least by the Senate ‘compromise’) can
be retained by private sector insurers to pay their bonuses, lard their bottom
line, expand their ?investments, etc.
The Senate bill as now written provides that everyone in ?America pay for
private sector health care, in short, wasting 20 cents of every health care
dollar, piddling it off to middlers, who deliver no health care whatsoever,
require mind numbing paper work, jerk you around with ‘co-pays’ and ?
‘contributions’, etc, but do not ever in any shape or form deliver health care
services to you. This is what the Senate has brought us.
And here’s an added ?insult brought by the White House to everyone who is not
a private sector health ?insurance corporate employee: Because both the right
and the left think citizens should not be mandated by their government to
provide corporate welfare for private sector health insurance companies with
both taxes (paid to corporations as ‘subsidies’ to cover the poor who cannot
afford to payoff the ?corporations) and premiums (20 percent of which are not
used to provide health care services), they have persuaded themselves that
independents will ?just love it! That’s a three- bagger: They’ve insulted the
independents, the right and the left.
Now, it may be that ‘the left’ is ‘unhinged’, but, so, I suggest is ‘the right’ and
‘the middle’. If the author were more informed, I think the author would be
‘unhinged’ like the rest of us.
Since she holds herself up as fully hinged, I would suggest the author is
Report thisdangerously and fully uninformed.
By CaptRon, December 19, 2009 at 9:58 pm Link to this comment
I am 63 years old, too young for full retirement, too old to be re-employed, terminated “at will” as corporations can do to protect profit margins, and I would buy this insurance? Please, spare me how good this makes things for me. I’m not afraid of work, I persue it but those that know understand, those that haven’t experienced clandestine age discrimination will not until it happens to them. I will take what comes by not purchasing insurance, I will not take this insurance on principle. I have pre-existing condition, I can/will not afford to buy this insurance. I will take what comes, actually, more may come by not taking it. I can’t speak for the quality of medical care in jail, but it would match the price at least, and it serves my princple of not allowing these political people who force this coverage while the same insurance companies put additions to their house, or continue to buy their votes to manipulate me. Some day senators, I hope to meet you while incarcerated when we get ethics taken care of. I would like to show you what someone who served in the Armed Forces for your benefit while you hid thinks of your allowing this to happen. I promise to get my point across.
Report thisBy Bud, December 19, 2009 at 3:28 pm Link to this comment
(Unregistered commenter)
Not one vote,nor one contribution to any democrat running for office.This includes you Mr. Obama!!What a bunch of weasles.I have never voted republican in my life,but I and the rest of my family will oblige the democratic party in the next electionS!!!!
Report thisBy Jaded Prole, December 19, 2009 at 5:12 am Link to this comment
Olberman is right. This crappy hoax of “healthcare reform” like the bank bailouts show the utter bankruptcy of a corporatocracy that is unable to act against the narrow interests of its owners. This system has nothing left to offer but exploitation, war, and ecological megadeath.
Report thisBy openlyliberal, December 19, 2009 at 2:09 am Link to this comment
Your logic fails to support your argument. You assert that those of us who argue against this foul obscenity of a bill are making all kinds of “assumptions,” like a failure of the marketplace. Ms. Marcus, please. That’s not an assumption. That is a current fact. There is nothing in the bill to change what is currently a non-functional, non-competitive system. You, however, are making the monumental assumption that if this big, wet, sloppy kiss to Aetna and it’s bloodsucking, monopolistic cohorts doesn’t work for us, that Congress will just fix it. Did you not get your meds today??? Who ARE you people that want to support this wretched bill? And what is Robert Scheer doing letting you people write this drivel on his site?
Report thisBy Aarky, December 18, 2009 at 7:35 pm Link to this comment
(Unregistered commenter)
I’ve posted on this issue before but it finally hit me that we need a discomobulated analogy to explain the health reform mess. The patient goes to the hospital for a appendectomy and in the middle of the operation, the lights go out. When the lights come on the patient has been castrated,two feet and a hand severed, and one eye removed. The doctors call the surgery a resounding success and do high fives all-around. They then send the patient to another hospital to get that pesky appendendix removed. The doctors at the second hospital get in an argument on how to remove the appendix and decide they should remove the large intestine since it’s attached to the appendix. More high fives over a successful surgery. The swollen appendix? They leave it in place and presume it will repair itself. More high fives all-around.
Report thisBy BelizeanMike, December 18, 2009 at 4:16 pm Link to this comment
A refreshing and more hope-filled perspective!
Report thisBy FiftyGigs, December 18, 2009 at 3:53 pm Link to this comment
In the course of any debate, arguments become simplified and therefore distorted. This is true with health care. Although insurance is a rightly important, central component to the problem, it isn’t the only one.
As suzikidder writes: “The system is completely broken. The medical model is dysfunctional.”
Remember those stories about the cost of aspirin in the hospital? A friend of mine became brief partners with a guy who sold bed sheets for this (oh, duh) non-standard sized bed. It was designed to need custom sheets. He paid a girl $5 to cut and sew a sheet. He sold them for $35 each. I watched him pick that number out of the air in his living room one night as the girl sewed. A huge profit because he wanted a huge profit.
A couple of years ago, a close family member suffered a heart attack at home, and passed while in the ambulance. She was briefly revived, but died finally about two hours later. The bill was $250,000. Not one item was approved by or even known to the family until the bill arrived.
Insurance paid it all.
There’s no incentive to control any costs in the system anywhere, and every incentive not to, especially if the industry taps into taxes.
When I wrote earlier that businesses are buckling under the expense of health care, I mean under the expense of HALF the cost of health care, the matching funds. So, unemployed people are going to afford… what exactly? Oh… nothing, huh. Then employed people will pay for them… too? ... in addition to their own premiums?
It won’t work.
For-profit insurance in a capitalist society and general health care as a matter of humanity are incompatible purposes. You can’t have both.
Report thisBy Blackspeare, December 18, 2009 at 2:54 pm Link to this comment
A reform bill without a universal option is not reform, but more of the same. Mandating all citizens to acquire health insurance from private carriers is a windfall for them. Those that cannot afford such coverage will get federal assistance. However, those same people probably can not afford the deductibles nor the co-pay nor the 20% not covered so they wind up on Medicaid anyway. And what happens when someone loses their employment do the feds step and provide assistance???
Report thisBy suziekidder, December 18, 2009 at 2:19 pm Link to this comment
Dear Ruth: I’ve seen a lot of shallow commentary on the emerging healthcare bill in the Senate during the overall progression of “healthcare reform.” You win this week’s award.
I work in healthcare. The system is completely broken. The medical model is dysfunctional, oftentimes downright dangerous, and too often lethal. The financial model exemplifies criminal greed - please reread the current article detailing Aetna’s charming devotion to its profit levels at the expense of its customers. And the care delivery model has lost all contact with either care or compassion.
The point of the public option and/or the insurance exchanges, etc. was to introduce competition into the private insurance marketplace. I’m really not attached to specifically how we go about structuring robust, viable, consumer choice, but if we don’t create such an opportunity for “free market competition” - and the current bill in the Senate clearly does not perform this function - then I believe that no bill is better than a truly awful bill. The Obama Administration’s fixation on getting a bill, any bill, some bill is better than no bill at all - is not just bad politics. It’s worse - neither good governance nor competent leadership.
I grant you that the Senate is essentially a totally dysfunctional culture – an admission I make as a Californian whose legislature sets the bar for dysfunction at a truly awesome elevation - and so I never imagined that it would be easy to get a good bill by those who’ve taken far too much money from 3rd party payers and Big Pharma. But if Harry Reid had half of Nancy Pelosi’s “testicular fortitude,” and a fraction of her Progressive membership, we’d have a bill over which it would be worth a principled compromise. The current bill in the Senate is not such a bill.
I’m an adult, and I’m willing to consider alternative paths to a desired outcome. I’m more than willing to compromise if I see a bill that takes us a good ways down the road, in the direction we ought to be heading, and closer to where we want to be in the end. The House bill does this. But the Senate bill sends us backwards and not forwards. It creates the wrong incentives, and rewards the wrong behavior. And to quote that sage of athleticism, Yogi Berra, “If you don’t know where you’re going – you’ll end up somewhere else.” My undergraduate education was a double major in biology (pre-med) and clinical/behavioral psychology. It should be obvious to anyone with a functioning cortex where the provisions in the Senate bill would drive the delivery of healthcare.
Howard Dean is right - we should kill this monstrosity. It offers no mechanism to enforce competition, but it definitely did remember to mandate the purchase of private insurance – and to provide penalties for failing to do so. This is an insult to both the House of Representatives and the constituents our Senators claim to represent. Ted Kennedy is rolling in his grave.
Private healthcare insurance is an industry whose average levels of corruption and greed rival Wall Street’s. We can hold out all the carrots we can dream up, but without a large stick that’s clearly visible the “suits” will find new and creative ways to screw their policy holders. Without enforceable mechanisms to make private insurance do the right thing, i.e. both regulation and the existence of a strong competitor, it will find endless loopholes with which to avoid taking care of those who (mis)placed their trust in a private insurance system.
But thanks - while it was basically a waste of time to read your article, it was fun to write the response.
Report thisBy jean Gerard, December 18, 2009 at 1:14 pm Link to this comment
(Unregistered commenter)
In view of how long, how hard and how irrationally the “rightish” American
public has resisted public health care as “socialistic,” it might be wise to get
the best possible deal passed and on the books at least. Maybe resistance to
it will die down as objectors “get used to it.” Then amendments can perhaps be
added without such a grand froo-feroo, especially if explanations can be
issued in simple language on a broad scale well ahead of time to minimize
talk- show hysteria.
Seems a shame to have to do things piecemeal like this because corporations
Report thishave so much power tp deprive people of adequate care for an even longer
period. But the “socialistic” label as a scare tactic is regrettably effective when
so many people are so ignorant, reactionary, suspicious and unsympathetic
toward people other than themselves and their immediate family and friends.
That attitude should have been fought much sooner, but “should have” doesn’t
get us anywhere.
By jmlambion, December 18, 2009 at 9:36 am Link to this comment
The disappointment on the Left comes from seeing a lack of political muscle and
Report thiswill on the part of the Democrats. They have bigger majorities than the
Republicans ever had with George Bush yet they can’t match a fraction of their
accomplishments. The Republicans were able to rule the world with just 50
senators and a VP.
By rico, suave, December 18, 2009 at 9:32 am Link to this comment
“The Senate bill would extend coverage to more than 30 million Americans who would otherwise be uninsured—and provides $900 billion in government subsidies to get there.”
That’s $30,000 per person! Why not just send them a check?
The answer is easy- By sending out checks, the government would have no control, and we all know, or should know, that this is all about power and control.
Is it any wonder that over 65% of the country thinks the current bill is a disaster? Including Howard Dean and Rush Limbaugh?
Report thisBy Traptholemu, December 18, 2009 at 9:31 am Link to this comment
(Unregistered commenter)
Spending too much money on a program is not a concern of liberals? Uh…our point is a government run program is more accountable to a medical-loss-ratio, it is more democratic, it has lower administrative costs, and it doesn’t have millionaire executives and nervous shareholders to appease. A huge problem for liberals at this point is if the program turns out to need more money as it currently exists it will be a double-dip from our tax dollars for the unaccountable insurance industry. The system we have now craves profits; we need a system that craves a healthy society that is an example of frugality and effectiveness.
Report thisIt’s disingenuous to demonize the people that did have the audacity to hope and actually think that our leaders would have the audacity to lead. Maybe we’re getting exactly what we weren’t told we were getting. Damn my ears!
By steve conn, December 18, 2009 at 8:26 am Link to this comment
(Unregistered commenter)
So, so predictable. I could have written the Marcus column in my sleep. Class dominates the world view of
Report thisyesterday’s liberals. They throw scraps from their table to the rest of us and can’t understand our anger. Next time, vote Nader.
By SoTexGuy, December 18, 2009 at 6:33 am Link to this comment
Here in Texas we had a succession of Republican governors and legislatures ‘reform’ insurance for homes and automobiles especially. This was all done with a huge sense of urgency.. and especially to get rid of all the uninsured drivers on our highways causing the rest of us so much pain and expense. The centerpiece of this fight against all those uninsured and irresponsible people was to mandate that every driver must have liability insurance. An extremely weak public ‘pool’ option was also included for the naysayers who saw this all as a windfall for insurance carriers.
I can tell you personally that these rules have made my insurance bills skyrocket while coverage is weakened. Also we have things like cardboard store-front insurance companies.. offering low-cost minimum insurance that does little more than allow the covered person to legally operate a vehicle.. apply for motor vehicle registration and so-on. If you get your vehicle totaled and the owner has one of these paper policies you’ll find out just how flimsy they are.
Now it seems the federal government is on the same bandwagon of mandating that everyone buy insurance.. no one can seriously think this will solve the health-care crisis (it’s about the costs, not availability per-se) or doubt that costs will skyrocket to individuals without a huge flow of tax monies to insurers and health care industries.. it’s a boondoggle. But it’s a boondoggle that Democrats and Progressives feel represents a political victory of some sort over the obstructionist Right.. Maybe it is.. can we afford it?
About Olbermann.. I like him, agree with a lot of what he says and even enjoy his show when I do not agree. He invested a lot of his on-air currency in real health-care reform. Is he disappointed that the nation will not get the single-payer public option we need? Surely.. is he also a little angered that the Senate seems to be un-swayed by his reasonable and impassioned calls for real help? probably so..
Before he gets too uppity he should look at what happened to Mr. Dobbs. Lou Dobbs started out a couple of years back with measured and reasonable calls for the enforcement of our immigration laws and he put a nightly spotlight on the problems associated with illegal immigration in our country. Soon thereafter he became more and more impassioned and then a little arrogant.. his audience came to be drawn less from the overall spectrum of Americans and a lot more about the views and voices of the extreme right.. and down he went.
Kieth Olbermann I don’t think suffers from as much hubris as Mr Dobbs was displaying in the run-up to his downfall.. perhaps he needs to look back a little and re-think what he’s about.. step down from the pulpit and consider how he’s going to keep his audience. I hope he does!
Thanks and have a great day.
Report thisBy idarad, December 18, 2009 at 5:58 am Link to this comment
If you shoot yourself in the foot, its hard to blame someone else if you can’t walk. The dems shot themselves in the foot when they compromised away every option before any bill was brought to committee. If they have no power, it is because they chose not to take it. Just another lame (sorry for the pun) excuse.
Report thisBy Caro, December 18, 2009 at 4:24 am Link to this comment
If the Democrats don’t have the power to do the things
they promised for the people who elected them, then why
did we elect them?
Ms. Marcus? I’d really like to have your answer.
Carolyn Kay
Report thisMakeThemAccountable.com
By Dan Weisman, December 18, 2009 at 3:49 am Link to this comment
(Unregistered commenter)
Good arguments Ruth. But the road we have been put upon by the greed mongers who run our country has me deeply worried and angry as well. It’s like our soldiers in past wars have said: “It’s a giant SHIT sandwich and we’re ALL gonna have to take a bite.” (Except the greed mongers of course..take your pick)
Report thisBy pundaint, December 18, 2009 at 12:45 am Link to this comment
Liberals are unhinged?
Crazy, insane, or psychotic is the definition.
I believe there is truth to the aphorism that insanity is doing the same thing
repeatedly expecting different results.
The Insurance Industry promised to do better in the 60’s 70’s 90’s and in
Massachusetts in the current decade. They have NEVER delivered on one of
those promises. I would argue that only those who recognize the futility of
relying on a cooperative insurance industry would qualify as sane.
This would leave Ms Marcus, the supporters of this bill, and those who continue
Report thisto chase bi-partisan support of reform as the unhinged ones.
By Jerry Larsoni, December 17, 2009 at 9:48 pm Link to this comment
(Unregistered commenter)
About the mandate—If that ever actually becomes law, really, what’s going to happen? Who’s really going to buy insurance because of the mandate? Everyone would buy it now if they could afford it. Is it really going to be more affordable? I don’t think so. Will they really collect the fines!?? I can’t believe it.
otoh, very few people are in the position like Olbermann where they don’t even want insurance, so they can afford to resist the mandate? The whole concept is just too ridiculous.
About the monopoly—you know what we need, actually?
Report thisA private, nonprofit health insurance program! It could pay for itself; just charge premiums, without the 30% markup. It would then be affordable, and it would provide cost containment, eh?
Kind of a private public option.
You just need some money to start, a few million, you can insure some number of people. Maybe Olbermann can help out there too!
By Miko, December 17, 2009 at 9:14 pm Link to this comment
(Unregistered commenter)
On the contrary, I oppose this without thinking it has anything to do with whether Obama does or does not have the political muscle to do something else. Rather, looking at the contributions he (and congresspersons on both sides of the aisle) received from the insurance companies, I think that this is exactly the bill he wanted from the beginning. Which is why I’ve been opposing it from the beginning.
We don’t need to reform health insurance; we need to rethink how we do health care at a much more fundamental level.
Passing a bill for passing a bill’s sake will not make any person better off. It’ll help the Democratic Party save face and nothing else.
Report thisBy FiftyGigs, December 17, 2009 at 7:56 pm Link to this comment
It would be easy to walk away from the health care issue, and let the country collapse under the weight of insurance inflation and its concurrent destruction of business. However, it’s also true that even a small victory is a victory.
What absolutely must be done at this time is to remove the most egregious conservative assaults from the bill.
A federally-mandated health insurance requirement for every individual establishes an authority for government that will destroy the liberal principle of America: that government derives its just powers from the consent of the governed. The individual would be born into a condition predestined by government. This is the conservative holy grail, which they have previously tried to establish by extending their “protection” to the fetus, undercutting the moral authority of living individuals.
A health insurance mandate isn’t anything like automobile insurance, which is required if you drive a car. To mandate health insurance if you ... uh, breath is servitude. It is fundamentally unamerican and clearly unconstitutional, if not in the letter of the document then certainly in the spirit of our founding fathers.
We have an unalienable right to liberty.
As Olbermann suggested, this is a cause worthy of civil disobedience at the very least. Our forefathers went to war over it. They died rather than not have it.
Second, monopoly protection for health insurance companies must be terminated. There is no private industry if there is monopoly.
Third, we must dedicate ourselves to establishing a single-payer system. Period. For-profit insurance has nothing to do with health care. Our focus must be on care. Not on insurance. There’s no reason for more than one payer.
Joe Liebermann will go down in history alongside Benedict Arnold and other notorious figures of America’s past. But that’s just the start.
Small businesses already can’t afford health care. Even well-funded companies are starting to struggle with it. During the financial crisis, automakers cited health costs as a significant source of their disadvantage.
The destruction of American business is happening now. Liebermann’s incipient politics will hasten it. As more businesses cover fewer people, the medical system will strain further under epidemics, social resources like ambulances, fire, rescue, and police will retreat against increasing social disorder, people will commonly die in public. The blank check for military expenditures and the blank check for medical expenditures will ultimately fracture our society.
Bases overseas will close. The military will be cut only by half, if we’re lucky. Unemployment will rocket to 30% plus, and the populace will make due with their wits.
Oh, and the guns they own.
Ladies and gentlemen, I give you Joe Lieberman. The father of American socialism.
Report thisBy Bud, December 17, 2009 at 7:45 pm Link to this comment
(Unregistered commenter)
After watching these clowns in the senate,the only thing missing are the enormous feet,and the clown car.What a joke,and don’t forget folks we keep electing these assholes to represent us.Boy!Are we in trouble.There isn’t a goddamn one of them that wouldn’t walk across a field of whores to fuck their own mothers.Democrats or republicans,the senate is something less than a democratic institution.Serious consideration should be given to eliminate this corrupt body of our government!!
Report thisBy bill haywood, December 17, 2009 at 7:38 pm Link to this comment
(Unregistered commenter)
It’s time for revolt. If we don’t force change we deserve no better than our third-world health care system.
Report thisBy NorCalNative, December 17, 2009 at 5:15 pm Link to this comment
What I liked about Olberman’s comments was this.
He said, “It’s NOT Health, It’s NOT Care, and It’s NOT reform.
Real reform means removing the crooks, liars, and profiteers from our broken system. Private industry add no value to the product. Capitalism and greed have no place in medicine.
Only those invested in Oligarchy can love the bill coming out of the Senate. If that’s the best Democracy can do, WE SUCK!
Report thisBy glider, December 17, 2009 at 4:56 pm Link to this comment
Contrary to popular belief the Democrats do have a lot of spine. But it is exercised in flipping the bird to their constituents and writing and backing legislation for their corporate backers. Latter they rationalize their sellouts under the guise that they do not have enough political muscle and therefore are forced into these actions by the Republicans. This also takes chutzpah and spine. This scam has come into full display with the Democrat sellouts to the Banksters and health insurance companies.
I say drop this corporate bill and fight for better change. Go for the best that can be had with reconcilliation and use the process to highlight the worst sellouts in the Democratic party. If we don’t clean house in the Democratic party all we have is the new GOP.
Report thisBy Neurodog, December 17, 2009 at 3:48 pm Link to this comment
I agree with everything said above, and I want to know where it’s written that
there will never be another opportunity? We not only have a vicious,
inequitable system right now; we also have a crisis. Our vicious inequitable
system is not sustainable; something will have to give.
The bigger picture is that our political system is totally broken. It doesn’t
matter what we want or who we vote for; all three branches of government are
wholly owned by corporations. I think it was Gore Vidal who said we have one
party with two right wings (i.e., to the right of the electorate on most issues).
We need reform of our political process even more than health care reform.
I voted for Obama, was enthusiastic about him, supported him, and even
though I’ve been unhappy with him since then, I planned to vote for him in
2012, because of course the Republican candidate will be worse. All my life
I’ve voted for Democrats, even if I wasn’ t enthusiastic, because the Republican
is always worse. No more. I’m not voting for Obama again, unless he totally
changes his spots. I’m not voting for any individual Democrat that doesn’t
seem to deserve it. Of course I can’t vote for Republicans, and I will vote; I
won’t not vote, even if I have to write in Dennis Kucinich.
This bill is not worth passing, and the Democratic Party is not worth keeping.
Report thisLet them collapse and we might have a chance of eventually getting something
better.
By AC, December 17, 2009 at 3:24 pm Link to this comment
(Unregistered commenter)
“This dire assessment assumes all sorts of failures—of the marketplace, of regulation—that I don’t consider inevitable.”
Ruth, this line alone convinces me that you don’t know what you’re talking about.
Or perhaps, you haven’t been keeping up with current events i.e. the recent failures of wallstreet/corporations and the notorious weakness of governmental regulations.
The moment anyone starts talking about “the marketplace” solving my problems, I know that I’m in serious trouble. Over the pass few decades one important regulation after another has either been gutted or eliminated altogether. The Obama administration shows every sign of continuing this pathetic tradition.
This so called healthcare reform is just another corporate giveaway as was the bank/investment house bailout. With every modification, the stocks of the insurance companies rise. If this bill passes, they will make out like the bandits they are, while the rest of us are trampled underfoot.
Report thisBy Sean, December 17, 2009 at 2:23 pm Link to this comment
(Unregistered commenter)
You say that insurance companies will not be able to
deny coverage, but they can. Loopholes in the bill
will allow companies to deny coverage which they deem
is based on “fraud” or “willful misrepresentation”
without actually defining the what constitutes
either.
Now, the mandate is the way they’re pushing expanded
coverage. People will be forced to buy into the
private market, and eventually a limited exchange
market. The subsidies are a strange point of
contention, they are the so-called entitlement
portion you speak of, but these subsidies can also be
viewed as a form of corporate welfare.
This is the essential problem with looking at the
subsidies as a reasonable way to help people afford
the individual mandate. What this bill says is: Give
up a percentage (2.8% - 12%) of your income and we’ll
help you out by covering the gap. Now, what portion
of the subsidies must be used for care? And how much
can be used for profit? If it’s not 100%, then who is
to say that profit driven company won’t increase
premiums for lower income or middles people to reap
greater subsidies?
Personally, if this bill forced a basic not for
profit plan, then I’d have no problem with an
individual mandate. I do have a problem with
corporate serfdom and corporate welfare. Flirting
with either is extremely dangerous. This bill wants
to give huge amounts of money to what is an already
extremely profitable industry. That strikes me as an
awkward situation.
This is an alternative to what you’ve currently
suggested as a likely way that events will unfold. I
just have less faith in corporations who’s CEO’s have
a legal obligation to ensure profitability to
shareholders.
There is a lot to like in the bill, I’m just worried about the ways we say we are going to accomplish our goals. It’s nice to have goals and ways to accomplish them, and expanding coverage to 30million more people is a great thing and certainly nothing to scoff at! I’m just worried about the ways we accomplish our goals. Forcing people to buy a subpar product is a dangerous thing, and unless decent minimal guidelines are required, then I have very little faith that insurance companies will offer a similar experience. If the market was capable of this, then why hasn’t it been done? No one wants to answer that question.
Either way, this debate is a good thing.
Report thisBy Allan Krueger, December 17, 2009 at 2:18 pm Link to this comment
Ruth Marcus is correct, the Dems do not have any political muscle….......... It was squandered!
When Obama took office, the majority of the country was behind him. When Health Care reform came to center stage, he should have taken the case to the American people and explained the problem and that, Medicare For All was the only real solution. Instead he went wind surfing while Palin and the rest of the NeoCON goons talked about death panels and all of the other bullshit that came from every direction!
Instead of some straight shooting we got “Public Option” and some other vague rhetoric that no one really understood.
Howard Dean is right, the bill on the table is not worth the paper it is printed on! The people responsible for this disaster are the ones voted into office - you know - who offered change we could believe in! What we got: same old bullshit, different day!
Report thisBy Allan Krueger, December 17, 2009 at 2:16 pm Link to this comment
Ruth Marcus is correct, the Dems do not have any political muscle….......... It was squandered!
When Obama took office, the majority of the country was behind him. When Health Care reform came to center stage, he should have taken the case to the American people and explained the problem and that, Medicare For All was the only real solution. Instead he went wind surfing while Palin and the rest of the NeoCON goons talked about death panels and all of the other bullshit that came from every direction!
Instead of some straight shooting we got “Public Option” and some other vague rhetoric that no one really understood.
Howard Dean is right, the bill on the table is not worth the paper it is printed on! The people responsible for this disaster are the ones voted into office - you know - who offered change we could believe in! What we got: same old bullshit, different day!
Report thisBy KDelphi, December 17, 2009 at 2:13 pm Link to this comment
Independent candidate Howard Dean, 2012….
Report thisBy ScoutFinch, December 17, 2009 at 2:12 pm Link to this comment
(Unregistered commenter)
Ms. Marcus, there are two glaring statements that you need to back up with facts:
1. You state that the Senate bill “would crack down on the most abusive practices of the insurance industry”. How, exactly? With “regulations”? What kind? I have asked this question in the blogosphere and of my own Senator, and not gotten an answer. What are the regulations and penalties if the insurance companies do not comply? Given Congress’ history on weak regulation, (e.g., Wall Street, Enron, etc.), I have little hope than anything beyond a sternly worded letter is in play. Please educate us as to what the penalties are.
If they are stiff enough, I would support the bill for the reasons you mention. But if Congress doesn’t even have the spine to include a watered down PO, I doubt they have the spine to really regulate the insurance industry in the way that will make them play fair. They haven’t even yet been able to (re-)regulate Wall Street - and they crashed the world economy.
2. You state that “entitlement programs tend to get more generous over time.” Like welfare? Which has become a 5 year maximum with harsh penalties? Like the shameful status of the VA hospitals a few years ago? Like “privatizing” Social Security? (Which, thankfully, hasn’t gotten off the ground, but is ALWAYS in play.) You underestimate the power and greed of the upper classes in this country and their deep desire to take away anything they perceive as “helping” anyone. You also understimate the racism and classism that undergirds this country and all discussions of “entitlements” every single time they come up for funding. You also seriously understimate the mendacity and Machiavellian nature of the “opposition” in America: specifically, the well heeled, well funded right wing which is dedicated to eliminating these “entitlements” and is continuous in its assault on them. They will not let up, and the next time they are in power, they will do everything they can to make sure that programs they despise are defunded or underfunded. They’ve done it before, and they will do it again.
Of course I would like to see HCR. But as it stands now, the Senate bill isn’t reform. It’s a handout to a wealthy industry that does nothing to provide actual care. As a person in my early 40s, I want better for myself and my children. I also do not buy the notion that we won’t get another bite at the apple. We will, because the current trajectory is unsustainable. Things have gotten exponentially worse since the ‘94 attempt, and I don’t doubt that will continue. And the insurance industry will do NOTHING to counteract that fact while they continue to line their pockets. Perhaps when we are spending 40% of our GDP and 200M of us are uninsured, things will change.
Report thisBy Bubba, December 17, 2009 at 2:10 pm Link to this comment
It’s people like you, Ruth, who set the bar so low a drunk wouldn’t trip over it, who are “dangerously unhinged.”
Report thisBy KDelphi, December 17, 2009 at 2:08 pm Link to this comment
There is no “magic ” in the public option, but, there would be magic in universal taxpayer funded care, you now, like a civilized country….magic for a poor, uninsured mother trying to take care of sick kids on SCHIP, or one who had to take care of an elderly mother but cant afford to quit the job at Wal Mart…
Pre-existing conditions? They can charge you 3 times more…older than 50? They can charge you 5 times more…and those that are “covered” have to BUY it from the murdefing industrial complex!
The Sanders Amendment shamed Obama and the Dems!
Every loophole the Industry couldve used to harm and kill infants, women, old people—he had a solution…it was a piece of workm requiring talen and heart—and if Dems werent such cowards, they wouldve at least let it finish being read..why didnt they?
Because their crap bill looks so bad in comparison, who wants USAns to know that theyre missing out on what civlized people get? Just keep telling them, “best health care in the world”.
No health, no human rights…shame
Report thisBy Jon, December 17, 2009 at 1:48 pm Link to this comment
(Unregistered commenter)
Ms. Marcus is in the hysterical ‘pass anything, we have to!!’ camp, and then we worry about the details and how they effect citizens later. Just like NAFTA. Just like ‘credit card’ reform. Just like the repeal of Glass-Steagall under Clinton. Just like Hank Paulson’s dire warning of a collapse unless banks got trillions (and they just invested it, didn’t use it to loan). Just like the ‘we have to bomb Iraq before they nuke us’ mantra.
Nuts. This health care bill is an insurance company windfall—-legislated to deliver 30 million new customers into the insurance game. No public option means no pressure at all on the industry. Just open ended rate increases forever and ever. Nope, I don’t think so. I stopped being an impulse buyer years ago.
Report thisBy Tom Semioli, December 17, 2009 at 1:29 pm Link to this comment
(Unregistered commenter)
Business as usual in America.
Report thisBy ardee, December 17, 2009 at 1:17 pm Link to this comment
I must note that I have not read the Senate bill, nor the one from the House either. I have read that the proposed “reform” would benefit the Insurance Industry and assure them of continued great profit, an item Ms. Marcus fails to mention in her paeon to a proposed bill that far too many are heaping abuse upon. Smoke meet fire…...
Even if the figure the author posits is correct the fact is that at least twenty million of us will remain uncovered.The public option is one that many nations, poorer by far then we, seem capable of operating. The fact is that the US remains 37th in the world in the providing of health care and 13th in infant mortality. This sham of a bill ensures that we will remain far down on that list.
Ms. Marcus seems to accept a deeply flawed bill, perhaps in order to prop up a Democratic Party and a Democratic President that deserve no such from any of us. I agree with the comments of Mr. Olbermann.
Shame on you Ms. Marcus, for supporting a fraud of reform as well as using this as an opportunity to demonstrate loyalty to a party and a president that shows us nothing of the kind.
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