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Old 02-10-2014, 12:42 PM  
petegz28 petegz28 is offline
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A Winning Alternative to Obamacare

Obamacare is failing. Faced with this unpleasant reality, President Obama offered up during his State of the Union address his only remaining defense of his eponymous program: There is no alternative. “[M]y Republican friends…if you have specific plans…tell America what you’d do differently….We all owe it to the American people to say what we’re for, not just what we’re against.”

We accept the challenge. The 2017 Project, with which we’re associated, has developed an alternative to Obama’s 2,700 pages of federal largess. The proposal builds upon prior efforts by conservative policymakers and thinkers, including recent proposals from the House Republican Study Committee (RSC) and a trio of senior GOP senators (Tom Coburn, Richard Burr, and Orrin Hatch). It would solve the three core problems that called out for real reform even before the Democrats passed Obamacare: getting more people insured; dealing with the problem of preexisting conditions; and lowering costs. In providing politically attractive and substantively sound solutions to these three core concerns, it would justify bringing an end to Obamacare, and thus would pave the way for full repeal.

Just as important as what our proposal would do is what it wouldn’t do. It wouldn’t force anyone to buy insurance. It wouldn’t auto-enroll anyone in any plan. It wouldn’t reduce the tax break for employer-based insurance (aside from closing the tax loophole at the high end). It wouldn’t cost anywhere near the $2 trillion over a decade that Obamacare would cost. It wouldn’t undermine religious liberty. It would allow Americans to keep their current plan if they like it.

In order to increase the number of people with insurance versus the pre-Obamacare status quo without compelling anyone to buy anything, the 2017 Project proposal would address what has long been a basic unfairness in the tax code. Why should millions of Americans who get insurance through their employer get a tax break, while millions who buy it on their own through the individual market do not? We would end this unfairness by offering a refundable tax credit, one that would apply to everyone who buys insurance through the individual market (just as the employer-based tax break applies to everyone in the employer market). Since insurance costs increase with age, the value of the tax credit does too: $1,200 for those under 35 years of age, $2,100 for those between 35 and 50, and $3,000 for those who are 50 or over. There would also be a $900 credit per child. Those who didn’t use the full value of their tax credit could deposit what’s left in a health savings account (HSA). Figures from the Government Accountability Office suggest that—in the absence of Obamacare’s myriad mandates—such credits, combined with the reform of letting people buy insurance across state lines, would make a low-premium (“catastrophic”) policy affordable for everyone.

Obamacare’s taxpayer-funded subsidies are substantial for the near-poor and some of the near-elderly, but they do virtually nothing for most of the young or the middle class. Obamacare’s neglect of these two rather significant groups opens up a huge political vulnerability. A 2017 Project study of Obamacare’s subsidies in the 50 largest American counties shows that a typical 26-year-old man who makes $35,000 would get no Obamacare subsidy whatsoever for the cheapest-priced “bronze” plan. Nor would a 36-year-old woman who is making that same $35,000. Under our alternative, by contrast, they would get tax credits of $1,200 and $2,100 respectively, which they wouldn’t have to use for a government-run “exchange” plan but could use for any plan they’d like.

While most Americans don’t support Obamacare’s income redistribution, they also don’t want to see those with lower incomes tossed off their newly acquired insurance. In terms of effects on the near-poor and the middle class, the two most recent GOP alternatives tend to err in opposite directions. The RSC proposal relies on a tax deduction, not a credit. So it provides a significant assist to the upper half of income-earners, while millions of lower-income people would get comparatively little help in paying for their insurance. The Coburn-Burr-Hatch proposal, on the other hand, income-tests its tax credit, therefore doing little or nothing for much of the middle class. Our alternative effectively splits this difference, offering tax credits rather than deductions, but not means-testing them—thus helping both the newly insured near-poor and the neglected-by-Obamacare middle class.



To solve the problem of expensive preexisting conditions, our alternative would allocate $7.5 billion a year in defined-contribution federal funding for state-run “high risk” pools. Through such pools, anyone could buy affordable, partially subsidized insurance, and no one could be turned away because of a preexisting condition. We also propose (1) that no one could be dropped from, or re-priced by, their existing insurance—including insurance purchased under Obamacare—because of a preexisting condition; (2) that those who turn 18 (or leave their parents’ insurance) have a one-time, one-year buy-in-period during which they couldn’t be denied coverage, or charged more, for a preexisting condition—and that parents be granted a similar one-year buy-in-period for newborns; and (3) that people be able to move from employer-based plans to individual plans, or between individual plans of the same level, without being denied coverage, or being re-priced, for a preexisting condition.

There’s more to our proposal, and we invite readers to take a look at it at www.2017project.org. We’re certain it’s not perfect, and we hope others will find ways to improve upon it. But we do think it sketches a compelling alternative to Obamacare, one that should allow Americans to have confidence in what would follow repeal. For this proposal can make the following winning claim: under this conservative alternative, health costs would drop, liberty would be secured, and any American who wants to buy health insurance would be able to do so. And we can be freed from the nightmare of Obamacare.

http://www.weeklystandard.com/blogs/...re_778872.html
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Old 02-10-2014, 12:44 PM   #2
petegz28 petegz28 is offline
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On the surface this plan looks like a good start and more of one that the Dems should have embraced.

It would have had a wider acceptance and achieved a lot of what was intended. Assuming getting people coverage was the real goal and not just a power grab by a single political party, that is.
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Old 02-11-2014, 05:39 AM   #3
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The democrats want poor people to have coverage for full middle class health care (paid for with massive redistribution) rather than catastrophic coverage with more modest redistribution so I don't know why you think this is what they should have embraced.

One thing I don't like about this plan is that it perpetuates the role of the employer as an intermediary in the health insurance market by (mostly) preserving the tax deduction for health insurance benefits. It does even the playing field by extending this deduction to those in the individual market, but I would have rather seen them eliminate the deduction in both cases. That would have been politically dfficult in light of Obamacare criticisms though.

On the whole though, this is a much better approach than Obamacare, IMO.
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Old 02-11-2014, 06:51 AM   #4
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I can get on board with a lot of these ideas. They certainly make more sense than what we have now. I've only read the post and nothing under the link at this point though. And much like the ACA, I don't see anything in this summary that discusses the biggest problem IMO...which is the out of control cost of health CARE and not just health insurance.
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Old 02-11-2014, 07:11 AM   #5
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As long as obamcare continues to be non implemented and the mechanics fail there is much greater opportunity to repeal in full or just defund this turd
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Old 02-11-2014, 07:26 AM   #6
patteeu patteeu is offline
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Quote:
Originally Posted by blake5676 View Post
I can get on board with a lot of these ideas. They certainly make more sense than what we have now. I've only read the post and nothing under the link at this point though. And much like the ACA, I don't see anything in this summary that discusses the biggest problem IMO...which is the out of control cost of health CARE and not just health insurance.
Excellent point. The architects of this plan say it addresses underlying costs, but it's unclear to me how they attempt to do so (and that's what the authors of Obamacare said too).
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Old 02-11-2014, 07:32 AM   #7
BucEyedPea BucEyedPea is offline
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I already had a thread about this plan titled:
What I feared about the Republicans...

http://www.chiefsplanet.com/BB/showt...=281096&page=2
It's still Obamacare...with a few twists. This is what Democrat Alex Sink is running on for her congressional campaign in my district--just fix parts of Obamacare.

It's no wonder that the left-leaning Weekly Standard, fake Republicans, is promoting it. These people represent the corrupt Republican leadership that is barely different from today's Democrats. They are progressives too.

Telling private insurance to get rid of pre-existing conditions is not market-based. It's part of central planning and is just another mandate--which drive up costs. This too will lead to single-payer when if fails.


The Republican party leadership is a JOKE if they think this is a winning alternative!
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Old 02-11-2014, 07:32 AM   #8
jiveturkey jiveturkey is offline
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Quote:
Originally Posted by blake5676 View Post
I can get on board with a lot of these ideas. They certainly make more sense than what we have now. I've only read the post and nothing under the link at this point though. And much like the ACA, I don't see anything in this summary that discusses the biggest problem IMO...which is the out of control cost of health CARE and not just health insurance.
That's exactly what I was going to say. This plan is certainly an improvement (except it doesn't deal with the ER people that we're all paying for in the old system).

Insurance is probably only 25% of the total problem but it gets 100% of the attention.
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Old 02-11-2014, 07:32 AM   #9
BucEyedPea BucEyedPea is offline
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Originally Posted by HonestChieffan View Post
As long as obamcare continues to be non implemented and the mechanics fail there is much greater opportunity to repeal in full or just defund this turd
I'd rather this myself.
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Old 02-11-2014, 07:36 AM   #10
BucEyedPea BucEyedPea is offline
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Did anyone watch The Kelly File last night on Fox? She reported another change at the stroke of Obama's pen with a new IRS regulation on private businesses which essentially dictates how they cannot lay-off any workers or reduce them to part-time to save money on Obamacare. Such acts would become a crime.

Welcome to our socialist dictatorship! Aka communist state.
(and certain Republicans are helping it along)
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Old 02-11-2014, 07:37 AM   #11
BucEyedPea BucEyedPea is offline
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Quote:
Originally Posted by blake5676 View Post
I can get on board with a lot of these ideas. They certainly make more sense than what we have now. I've only read the post and nothing under the link at this point though. And much like the ACA, I don't see anything in this summary that discusses the biggest problem IMO...which is the out of control cost of health CARE and not just health insurance.
It won't help bring down costs--not if people want pre-existing conditions gone. Mandates NEVER bring down costs. They simply push the demand curve higher while the supply remains the same.
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Old 02-11-2014, 07:59 AM   #12
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Quote:
Originally Posted by patteeu View Post
On the whole though, this is a much better approach than Obamacare, IMO.
Quote:
Originally Posted by blake5676 View Post
I can get on board with a lot of these ideas. They certainly make more sense than what we have now. I've only read the post and nothing under the link at this point though. And much like the ACA, I don't see anything in this summary that discusses the biggest problem IMO...which is the out of control cost of health CARE and not just health insurance.
Quote:
Originally Posted by jiveturkey View Post
That's exactly what I was going to say. This plan is certainly an improvement (except it doesn't deal with the ER people that we're all paying for in the old system).

Insurance is probably only 25% of the total problem but it gets 100% of the attention.
It just slows down the cancer is all, but the cancer will eventually kill you if not completely cut out. What don't you all get ? Is there any political will at all from any of you to go after this 'turd' as HCF says to flush this away permanently? Who cares about the Left dominated politics and what they think and how they will paint us as evil. What's new about that ? Fight for your country I say !!!

BTW 25% of this bill is only about healthcare and the other 75% is about $$(taxes) and control(UnConstitutional) regulations. WHY ?
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Old 02-11-2014, 08:01 AM   #13
Chiefshrink Chiefshrink is offline
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Quote:
Originally Posted by BucEyedPea View Post
I already had a thread about this plan titled:
What I feared about the Republicans...

http://www.chiefsplanet.com/BB/showt...=281096&page=2
It's still Obamacare...with a few twists. This is what Democrat Alex Sink is running on for her congressional campaign in my district--just fix parts of Obamacare.

It's no wonder that the left-leaning Weekly Standard, fake Republicans, is promoting it. These people represent the corrupt Republican leadership that is barely different from today's Democrats. They are progressives too.

Telling private insurance to get rid of pre-existing conditions is not market-based. It's part of central planning and is just another mandate--which drive up costs. This too will lead to single-payer when if fails.


The Republican party leadership is a JOKE if they think this is a winning alternative!
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Old 02-11-2014, 08:03 AM   #14
Chiefshrink Chiefshrink is offline
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Quote:
Originally Posted by BucEyedPea View Post
Did anyone watch The Kelly File last night on Fox? She reported another change at the stroke of Obama's pen with a new IRS regulation on private businesses which essentially dictates how they cannot lay-off any workers or reduce them to part-time to save money on Obamacare. Such acts would become a crime.

Welcome to our socialist dictatorship! Aka communist state.
(and certain Republicans are helping it along)
Quote:
Originally Posted by BucEyedPea View Post
It won't help bring down costs--not if people want pre-existing conditions gone. Mandates NEVER bring down costs. They simply push the demand curve higher while the supply remains the same.
Education is the key !!! You are on fire BEP !!
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Old 02-11-2014, 08:10 AM   #15
BucEyedPea BucEyedPea is offline
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Education is the key !!! You are on fire BEP !!
Thank you. Instead of selling out the Republicans need to bring their message effectively to the people to educate them--not become socialists to match the socialism of the left. Reagan did it.
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