BREAKING NEWS SASS! HERE IS A SPECIAL "MEET THE SASS" FROM OUR POLITICAL EXPERT, WESTSISTA, AS THE UNITED STATES SENATE PREPARES TO CAST THE SECOND OF THREE PROCEDURAL VOTES TO END THE HEALTH CARE DEBATE. THANKS SO MUCH, WEST, FOR WRITING THIS POST AT THE LAST MINUTE!
I find it shocking, but not everyone has been glued to every
passing nuance of this year’s health care debate. Here’s my take on some of the most-used (but often
misunderstood) buzzwords in this debate, and my understanding of the general
outline of the Senate bill scheduled for a vote on Christmas Eve.
Public Option. Something similar to Medicare -- a
government run program. Would
provide at least some competition to private insurance in terms of premium
rates. Since Medicare’s
administrative costs are approximately 2-3%, and private insurance has
administrative costs up to 20% (they have to add in things like sales and
marketing), the positive argument is that a public option would make health
care dollars go further. The
negative argument is that the last thing we need is another big government
agency, and that it creates another ongoing financial obligation when we don’t
know how we’ll continue paying for the ones we already have.
Filibuster and Cloture. The House can pass a bill with a simple
majority. Since there are 435
members of the House, a majority is 218 or more. The Senate rules allow debate before a vote to continue
indefinitely (filibuster) or until 60 Senators vote to end debate and force a
vote (known as Cloture).
Mandate. This makes it illegal not to have health
insurance. Federal
subsidies are available for anyone
whose annual income is at or below 400% of the poverty level. To give you an
idea, for an individual that amount is $43,320. If you don’t obtain health insurance, you can be fined up
to $750; that amount is equal to or less than the cost of 12 months of many
health insurance plan premiums. Failing to pay the fine or get health insurance
can lead to jail time, just as failing to pay your income taxes can.
What happens now: The House already passed a bill (with a
public option), but since the Senate just passed a different bill, they now go
into “conference” -- to come up with a bill that both the Senate and the House
can agree on, and the compromise bill has to have enough votes to pass both the
House (218) and the Senate (60).
This conference would start in January, and the White House hopes it can
be complete before the State of the Union address in late January 2010.
General outline of Senate Bill:
- Expands
Medicaid to cover more people.
- Mandates
that everyone must have health insurance -- puts burden on individuals.
o Allows
health insurance companies to charge higher premiums for older people and those
with pre-existing conditions (some
estimates are up to three times the premium of a “healthy” young person.
- Prohibits
health insurance companies from:
o Denying health coverage
to people with pre-existing health conditions;
o Dropping
people from their health insurance plan after they become sick;
o Charging
varying rates based on gender or occupation; and
o Applying
overly restrictive lifetime and annual limits to coverage.
Although I am not happy with a health insurance mandate
without a public option, I think the current Senate bill does bring some
desperately-needed regulation to the health insurance industry. Estimates are that this bill will
result in 30 million more people with health insurance, which seems
significantly better than nothing.
So I’ll be hoping for a positive Christmas Eve vote, a successful
conference between the House and the Senate in January, with a health care
reform bill signed into law in late January. No matter what you are hoping for, this is far from a done
deal.
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