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Our Senator Making Us Proud–Not quite 11 October, 2009

Posted by stoptaxing in Healthcare.
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Update Senator Carper to be on Fox News Channel’s Neil Cavuto at 4 P.M Today (Oct. 8 2009) to discuss these comments. Keep up the contacts to his office.

It is great that we have a Senator who is not capable of understanding legislation. At least he smiles and shakes hands well. Maybe that is why he has not introduced much despite all of the problems we face. I think that we should have at least one person in the Senate for Delaware who has a history of understanding issues. We actually have a candidate who served in a think tank. Back to the video.

What interested me is that he said he would probably read the plain English version. He wouldn’t even promise that he would read it. Maybe that was a slip of the tongue–I hope. Who needs to read a bill that would transform the lives of every American anyway. The staff said it is okay. Is that not why you elected the staff? I want to thank Tennessee for bringing the issue to our attention. A reader submitted the actual video link for all to see.

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Small Business still on the outside of health reform 1 October, 2009

Posted by David Anderson in Healthcare, Jobs.
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The Baucus draft is better but not even close to helping small business.  It discourages wage increases for American workers and discourages business hiring.  It raises the cost of health insurance. It does give some tax credits to help businesses purchase coverage and provide coops for businesses with fewer than 100 employees. It seems to me that we should start over. Singapore has its 50th anniversary of the best health care in the world this week. It is market based and founded in medisave accounts.

Kennedy and Dodd Health Bill Attacks Wages 12 August, 2009

Posted by David Anderson in Economic Policy, Healthcare, Jobs.
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The Senate HELP committee’s version of Health Care Reform is billed “The Affordable Health Choices Act”. It had better be affordable because if it is implemented it may provide a disincentive to many employers paying higher wages. It gives credits to small employers to help with a mandate of coverage. The problem is that it only covers the micro business side. If you hire 50 people instead of 49 or if you have a lot of high flying sales people and well paid mechanics, you may not want to give a raise to that hard working receptionist. The incentive would be to keep some people with low pay to get the money. I didn’t think that Senate Democrats were so angry at the bottom 50%. Weren’t they suppose help the forgotten middle class? Yet they wonder why we get testy.

Fromthe Kaiser Family Foundation.

To qualify for the credit, employers must have fewer than 50 full-time
employees, pay an average wage of less than $50,000, and must pay at
least 60% of employee health expenses. The credit is equal to $1,000
for each employee with single coverage and $2,000 for each employee
with family coverage, adjusted for firm size (phasing out as firm size
increases) and number of months of coverage provided. Bonus payments
are given for each additional 10% of employee health expenses above
60% paid by the employer. Employers may not receive the credit for more
than three consecutive years. Self-employed individuals who do not
receive premium credits for purchasing coverage through the Gateway
are eligible for the credit.

Require employers to offer health coverage to their employees and
contribute at least 60% of the premium cost or pay $750 for each
uninsured full-time employee and $375 for each uninsured part-time
employee who is not offered coverage. For employers subject to the
assessment, the first 25 workers are exempted.

A mother’s perspective–Sarah Palin concerned for Trig 8 August, 2009

Posted by David Anderson in Healthcare, Sarah Palin.
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Former Governor Sarah Palin is concerned about what some of the health care proposals mean to her son with special needs. She calls one potential plan evil because it could short change the disabled.

Remember When President Obama thought taxing health benefits was wrong 21 May, 2009

Posted by David Anderson in Action Item, Healthcare, Tax Hikes.
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Will President Obama be able to fight off Congressional Democrats’ effort to tax health benefits? They all seemed to agree with him during the campaign now he seems to be moving their direction. I would advise that you contact your delegation on this before the White House caves.

Just a reminder of what McDowell-Kowalko Care would cost us 14 May, 2009

Posted by David Anderson in Healthcare, State, Tax Hikes.
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From Senate Bill 177 of the 144th GA

Funding for the Delaware Health Security Act will be as follows:
All State and federal funds available for health and health care costs in Delaware.
Employer and employee graduated payroll tax of from 2% for self-employed individuals to 9% for businesses
with 50 or more employees.
A Health Security Tax of 2.5% on net taxable income for all heads of households and persons subject to Delaware’s income tax.
An additional Health Security income surtax on net taxable income of 2.5% for persons filing a Delaware income tax return in excess of $250,000. Married couples filing a joint Delaware income tax return shall pay an additional income surtax of 2.5% on net taxable income in excess of $500,000.

Mike Protack, Candidate for Governor on his Delacare proposal 17 April, 2008

Posted by David Anderson in Economic Policy, Election 2008, Healthcare, State.
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Everybody Is In

No One Is Out

Everyone Pays Their Fair Share

The year 2008 will be a monumental step in the history of Delaware, as together we launch a dialog for change. Ours is a message of healthcare security for all, now and in the future years. We look not into a far-off crystal ball and hypothesize the what-ifs based on a notion, but instead we look into the needs of our people and say “Let’s work together for positive change now and for the future of our state and nation.” After many discussions with people all over this nation, I have seen a common thread that affects us all yet lacks current leadership is healthcare. Healthcare is the single largest domestic issue we have as a nation that could jeopardize our entire economy because it affects our ability to work, our ability to achieve a balanced federal budget, our ability to see our children grow up happy and our ability to age gracefully. It touches the lives of all people.

Although the U.S. has the best healthcare in the world, we are still in an extremely vulnerable state with costs increasing 5-8% faster than our income, personal expenditure rates steeply climb as we experience higher insurance premiums, higher co-payments, more services limited within our insurance coverage policies, and fewer benefits covered. These are not the results of frills or extravagances. These results are the state of a critical need for all Americans that threaten our society. If left unchanged, the threats will not disappear. Our challenge is to team up as a community and bring overdue leadership to this very real issue. As your Governor, I will bring leadership in the development of a new healthcare program for all Americans that will start right here in Delaware. We call this Delacare.

The Delacare Plan will be a universal, private health care system that will be open to all citizens. Just as today, it will be funded by its citizens through taxes, employment contributions and private business taxation. Unlike other systems previously introduced for reform, this plan comprises a multi-tiered approach that encourages additional investment into all levels of education, refocuses industrial growth and creates larger markets for healthcare to be a more economically viable export product through which we shall be able to assist other nations around the world. An ambitious effort, our model affects personal health status as well as it affects local, regional, national and global efforts. It intends to put personal human capital at the top of the list of importance for our families, our communities, our nation and our world.

We seek your consideration and support as we consider implementing perhaps the most significant legislation in decades for Delawareans.

Key Points
Healthcare will become the highest priority in the nation:

· All citizens are covered from cradle to grave and each state will “build” large geographic pools, Delaware will have one pool.

· Doctors, Nurse Practioners etc will be paid ‘fee for service’ and there will be recognition of the years of training, sacrifice and stress of daily decisions that are often looked at with zero tolerance.

· Citizens may receive care anywhere – total freedom of choice.

· No more product confusion: In Network/Out of Network, POS, PPO, HMO

· A “basic” plan will be offered along with optional buy-up plans.

· Buy-up plans will be at the option of the individual consumer.

· The buy-up plans will cover benefits not covered under the basic plan.

· States may offer their own buy-up plans or minimally priced riders to the basic plan.

· Plan covers both allopathic and selected integrated medical care.

· Individuals shall receive EOBs that detail expenditures, so they will become better healthcare consumers.

· Federal allocations to healthcare shall be frozen. Private corporate and personal taxation shall contribute to the balance of the expense.

· The rate of increase to the government shall not be higher than the national rate of inflation.

· The financial goal of the plan shall be to develop a pricing structure that is cost-neutral to the current financial landscape.

· Administration of the basic plan will be a 4 year administrative contract that may be bid on by any qualified company.

· Providers are supported with streamlined administrative processes.

· Professional providers will receive educational loan forgiveness.

· Education systems will be reformed to complement the demand and quality required for a high level of quality care and support by future providers

· States will develop healthy community partnerships between providers, employers and educational institutions to promote healthy lifestyles

· Corporations will team with the government to export healthcare expertise to other nations on a fee basis to help foreign nations

· Paraprofessionals will be trained in their programs to provide healthcare both locally and overseas

· Volunteerism will be encouraged of professional and paraprofessional healthcare students rewarded by student loan redemption credits

· Youth service corps will be set up to have young people serve as health care interns and trainees to serve as local patient advocates, before they can apply for professional healthcare schools

· Costs for reckless lifestyles will be borne by the citizen choosing riskier behavior, not solely by the national plan

· Tort reform shall be imposed to limit the malpractice awards, limit attorney percentages and the plaintiff attorney will be required to have a board certified Dr in the same area as the alleged malpractice that harmed the patient. The Judge will review the report prior to filing and rule on the appropriateness. The expert’s opinion should clearly state who erred and filing will be limited to those an appropriate expert said erred.

· (more…)