The first URL seems to attack Obama's ad, which is accurate, except not really germane. My argument was that I didn't care for Clinton's mandates, not that I thought Obama's ads were perfect. As to your point:
So, I don't see how you could legally force companies to lose money. Are you expecting the government to make up the difference out of, say, the defense budget?
Both plans contain clauses that could be read as you stated. From Hillary:
Insurance companies won't be able to deny you coverage or drop you because their computer model says you're not worth it. They will have to offer and renew coverage to anyone who applies and pays their premium.
From Obama:
Insurers would have to issue every applicant a policy, and charge fair and stable premiums that will not depend upon health status.
Both policies result in people who would not be insured before due to high cost being insured now. That's legally forcing an insurance company to lose money.
But now onto the more salient point: adverse selection. The advised Google led me to the wiki, which states in the insurance section that "Whether examples of this sort apply in reality is an open question". Of course, wiki is about as reputable as scribbling on a bathroom wall. So let's look at what happens when mandates pass.
-All of those who would have gone without health insurance get insurance from some cut-throat "we'll give you a sticker that says your covered" company. The 1-800-SAFE-AUTO of the insurance agency (I'll call them 1-800-SAFE-BODY). -At some point, the 1-800-SAFE-BODY clients get sick. Their health insurance is bare-bones minimal that doesn't cover the full cost of the expenses or puts prohibitive restrictions on it (only covered for the hospital on the other side of the state, for instance, which is an actual problem I have with my current student health insurance when I leave campus.) -They switch into big insurance, let's say Blue Cross Blue Shield, paying a higher rate but getting coverage. -They get better. -They switch back to 1-800-SAFE-BODY.
It's still adverse selection. The only difference is that your bottom rung is slightly higher and you've propped up the lowest tier of insurance.
There are bits and pieces from both plans that I like (repealing the tax cuts to cap premiums from Hillary's plan, for instance). But, like I said, punishing people for not having health insurance is something that makes me instinctively recoil. If you want everyone, everywhere to have health insurance, you need to scrap the current system and go single-payer. Otherwise, all these half-measures attempting to prop up and mold our current system will always have fundamental flaws that leave people out.
>Both plans contain clauses that could be read as you stated. From Hillary:
Both Edwards and Hillary's plan made up for the fact that given a choice, only sick people and rich people buy insurance by having a mandate in which everybody buys insurance at a lower cost. Hillary would have an automatic subsidy kick in so people would not have to pay a higher percentage of their income than is normal, globally. RIGHT NOW WE ARE PAYING TWICE THAT.
Why are you trying so hard to deceive people? This is the WORST area where the Obama campaign has consistantly LIED, over and over again.
your assumption that people don't understand risks and thus "only sick people and rich people buy insurance" is not only flawed, it's profoundly flawed. while young people are less likely to buy health insurance on their own, it is well known that affordability is the greatest impediment to purchasing health care insurance.
not that you are the least bit interested in facts. but i can only assume that you are lying flat out when you say things like that. you've been corrected on this, and yet you continue to lie about the reasons people don't have coverage. you are the one trying to deceive people.
we all understand your preference for the mccain plan, which has been obvious from the beginning. which begs the question: why are you still here? we serve democrats here. your false analyses of democratic proposals only serves one cause -- republicans. isn't there a conservative blog that is better suited towards your swiftboat attacks of our nominee?
It's not lying, it's a policy difference. I believe that unless you go single payer you cannot have universal health care in this country and force people that don't WANT to, to buy insurance. It will NEVER pass. Now mandating children is different and subsisdizing insurance for those that WANT it but can't afford it I can get behind.
I personally would rather have single payer but niether candidate offered that. One offered a plan I think has a chance and one didn't, that is all it is. It isn't an attack on you or your candidate to have a difference of opinion on a policy issue.
Oh and buy the way, I am niether rich nor sick and I CHOOSE to buy insurance. In fact the only time in my life I didn't is when I couldn't afford it because of the first Bush recession so I don't buy into that arguement personally.