This is a prime example of where both "sides" of the national political spectrum are wrong. D.C. Republicans pretend we don't need health-care reform, then they complain that the cost of health-insurance for employees is crushing their businesses. D.C. Democrats pretend that this bill, "while not perfect" is somehow progress, even though the core idea behind the original bill, single-payer, was never really even on the Democrat agenda.
Forcing people to buy health insurance is not progress, this is just corporate welfare for the insurance industry. Just look at what insurance stocks did after this passed.
This question should be left up to each state, the US Constitution gives the federal government no authority over an individual person's decisions regarding their health care.
I think Vermont should build a plan to create a single-payer system, because this would save the people and businesses of this state hundreds of millions by eliminating 30% of the cost that is now going to cover insurance-overhead.
But I also realize that going to single-payer tomorrow is a short-term challenge, given the state's budget crisis. To transition to single-payer, we would need to help businesses and individuals shift from paying insurance-premium costs, to an increase in taxes, in a way that didn't interrupt our cash-flow. If done properly, the increase in taxes should be less than what we'd no longer be paying in premiums.
Vermont does not have a health-care crisis, we are the healthiest state in the nation, so let's take our time, do this right, and not be distracted by the national drama from D.C.
Below is from a letter posted on the Vermont Commons website, and is an eye-opener on this topic.
Physicians for a National Health Program (PNHP) - Advocates for Universal Coverage
With 17,000 members nationwide, PNHP is an independent, non-partisan, voluntary "physician organization in the United States dedicated exclusively to implementing a single-payer national health program."
Its March 22 press release expressed dismay with the new law saying it "take(s) no comfort in seeing aspirin dispensed for the treatment of cancer."
Instead of fixing the "the profit-driven, private health insurance industry....this costly new legislation will enrich and further entrench (it by forcing) millions of Americans to buy" defective coverage leaving them worse off than before at a cost of hundreds of billions of tax dollars given predators to game the system for even more.
PNHP's listed problems include:
-- besides millions underinsured, nine years out, 23 million Americans will be uninsured, "translate(d) into an estimated 23,000 unnecessary deaths annually and an incalculable toll of suffering;"
-- millions will be forced to buy insurance "costing up to 9.5 percent of their income but covering" only 70% of their expenses, leaving them one serious health emergency away from bankruptcy and loss of their homes;
-- for most, good policies will be unaffordable or "too expensive to use because of the high co-pays and deductibles;"
-- Insurers will get around $450 billion in public money "to subsidize (buying) their shoddy products," and be more than ever emboldened to block future reform;
-- safety-net hospitals will lose billions in Medicare and Medicaid payments, threatening tens of millions of under and uninsured;
-- workers with employer-based coverage will face higher costs, fewer benefits, and restrictions on selecting providers; most will be hamstrung with future stiff costs because of unrestricted premium hikes, higher deductibles and co-pays;
-- costs will keep rising exponentially because Obamacare doesn't contain them;
-- so-called new regulations (like ending pre-existing condition denials) are riddled with loopholes, ambiguities, and legal interpretations to let insurers manipulate them advantageously; and
-- "women's reproductive rights will be further eroded, thanks to the burdensome segregation of insurance funds for abortion and all other medical services."
As a result, the Obama administration and congressional Democrats scammed the public with a package of expensive mandates, new taxes, sweetheart deals, and "a perpetuation of the fragmented, dysfunctional, and unsustainable system that is taking such a heavy toll on our health and economy today."
Obamacare may or may not be good politics, but for most Americans it's disastrous health policy in lieu of simple, effective, affordable solutions - universal single-payer coverage. Everyone in. Nobody out except predatory insurers gaming the system for big profits, declining benefits, and unaffordability for growing millions.
Major bill components won't kick in until 2014, meaning 180,000 Americans will die in the next four years and hundreds of thousands more won't have expensive injuries and illnesses treated. PNHP calls these stakes unacceptable in "pledg(ing) to continue (their) work for the only equitable, financially responsible and humane remedy for our health care mess:" universal coverage, "an expanded and improved Medicare for All." What members of Congress get, you get. Nothing less provided we fight for it until it's gotten. It'll come no other way.
It's Over but not Entirely - State Government Challenges Over Mandated Coverage
According to the National Conference of State Legislatures, 36 or more states may pass anti-mandate laws, 33 have introduced bills, and Idaho's CL "Butch" Otter became the first Governor to sign one into law. The Virginia House and Senate passed its own, expected to become law shortly. In Arizona, a proposed constitutional amendment will seek voter approval in November.
In addition, on March 23, Attorney General Lawrence Wasden's press release said Idaho "has joined a multi-state lawsuit" against the Department of Health and Human Services, Treasury Department, and Department of Labor, "challenging the constitutionality of" new health care legislation, stating:
"Our complaint alleges the new law infringes upon the constitutional rights of Idahoans and residents of the other states by mandating all citizens and legal residents have qualifying health care coverage or pay a tax penalty. The law exceeds the powers of the United States under Article I of the Constitution and violates the Tenth Amendment....Additionally, the tax penalty required under the law constitutes an unlawful direct tax in violation of Article 1, sections 2 and 9 of the Constitution."
The press release also says Obamacare infringes on state sovereignty by imposing onerous unfunded mandates at a time most states face severe budget shortfalls, can't handle their current obligations, so they're cutting them.
Joining the lawsuits are the Attorney Generals of South Carolina, Nebraska, Texas, Utah, Louisiana, Alabama, Colorado, Michigan, Pennsylvania, Washington, Florida, and South Dakota. Virginia Attorney General, Kenneth Cuccinelli, plans a separate suit in Richmond federal court, stating:
The Constitution's Commerce Clause (Article I, Section 8, Clause 3) doesn't apply because:
"If a person decides not to buy health insurance, that person by definition is not engaging in commerce. If you are not engaging in commerce, how can the federal government regulate you?"
Indiana's Senator Richard Lugar asked his Attorney General to file suit, and other states have pledged to do so. Opponents raise serious concerns over the fundamental "do no harm" patient safety rule. For American Health Care Reform.org:
"Single-payer national health insurance will save our economy, prevent medical bankruptcy and above all, save lives. Medicare for All is the Right Prescription for America. We need National Health Insurance. Anything else is just voodoo."