So John McCain wants to destroy the health insurance of nonelderly Americans instead. But but Not good. Obama’s idea is different. Today, he signed on to the Health Care for America Now principles, which do not endorse specific legislation, but are compatible with single payer and other approaches. From a press release:

Today, Senator Barack Obama (D-IL) signed the Health Care for America Now statement declaring that he is on the side of quality, affordable health care for all and opposed to leaving Americans on their own with unregulated health insurance.

There’s still plenty of room to argue about the best way to get there, but with a recession looming and people in danger of losing their jobs, this is not an issue that can be ignored any more. Expect it to be brought up in the town hall debate tomorrow – unlike the phoney stuff being brought up by McCain’s campaign and his increasingly shrill VP candidate, who caters only to the shrinking Republican base, this is an issue that all Americans actually care about.

“Health Care for America Now’s goal this year is to get the next President and a majority of Congress committed to the principles of quality, affordable health care for all and opposed to policies that would tax our benefits at work and leave us on our own with the unregulated, bureaucratic private insurance industry,” said Richard Kirsch, National Campaign Manager, Health Care for America Now. “With Senator Obama’s signature, we are taking a major step towards getting the next President and Congress to make comprehensive health care reform a priority in 2009.”

John McCain’s plan is anything but acceptable. Since it’s all about saving money and nothing else, he proposes, according to the WSJ: McCain Plans Federal Health Cuts…Medicare, Medicaid Spending Would Be Reduced to Offset Proposed Tax Credit
Douglas Holtz-Eakin, Sen. McCain’s senior policy adviser, said Sunday that the campaign has always planned to fund the tax credits, in part, with savings from Medicare and Medicaid. Those government health-care programs serve seniors, poor families and the disabled. Medicare spending for the fiscal year ended Sept. 30 is estimated at $457.5 billion.

http://www.dailykos.com/storyonly/2008/10/6/124346/441/758/621648

Those of us who analyze health policy and trends for a living have struggled to follow John McCain’s health plan through its many seemingly-improvised changes. First he was taxing health benefits through both payroll and income tax. Then he said he only intended to apply income tax, which meant that his plan would create even larger deficits. Now he says there won’t be deficits, because he’s going to make up the cost of those tax credits by slashing Medicare and Medicaid.

When a candidate suddenly, almost whimsically changes the way he proposes to handle $1.3 trillion – which is the amount of money his plan puts in play over the next ten years – it’s time to get nervous.

We already knew the McCain plan was going to cost most Americans money (in at least three different ways.) Now we know it could jeopardize their medical care when they get older, too. The end result of this off-the-cuff planning could change the way Americans receive, or don’t receive, medical care in this country…at least three kinds of health “tax increases” (more accurately described as increased personal cost) under the McCain plan: a “slow bleed” for people who retain coverage as the tax credit falls behind inflation, a $,7000-plus spike for people who lose their coverage immediately, and an increase in out-of-pocket costs (and denials, etc.) for people who still have insurance. What do we get in return? According to that neutral study, three million uninsured would gain coverage – briefly. After five years the number of uncovered would go up.
http://www.huffingtonpost.com/rj-eskow/mccains-erratic-health-st_b_132242.html

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Group health insurance plans only cover medical care for the employees of a group of people who work in a company. Auto insurance is totally separate and pays for damages or accidents in a car and both are totally separate policies. The only time a company would pay for the costs of auto insurance would be if the company owns autos that the employees drive in the business, but not their own personal auto that they own. But sometimes in some companies if the employer expects you to use your own personal auto in the business, may pay the premium of your auto vs buying autos themselves for the employee.

As for part time employees don’t qualify for group health insurance in about 99% of all companies is that the cost for group health insurance is very expensive for the employer. Also, most other benefits are not qualified as a PT employee, ie; vacation, 401K, life insurance etc. Many employers would rather hire 2 PT employees vs 1 FT employee to save costs.

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