Democratic Underground Latest Greatest Lobby Journals Search Options Help Login
Google

Obama Locks and Loads

Printer-friendly format Printer-friendly format
Printer-friendly format Email this thread to a friend
Printer-friendly format Bookmark this thread
This topic is archived.
Home » Discuss » Archives » General Discussion: Presidential (Through Nov 2009) Donate to DU
 
babylonsister Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 05:57 PM
Original message
Obama Locks and Loads
http://digbysblog.blogspot.com/2009/07/obama-locks-and-loads-by-digby-in.html

Obama Locks and Loads

by digby


In today's radio address he finally laid down some requirements for his signature on a health reform bill:

{A}ny plan I sign must include an insurance exchange: a one-stop shopping marketplace where you can compare the benefits, cost and track records of a variety of plans – including a public option to increase competition and keep insurance companies honest – and choose what’s best for your family. And that’s why we’ll put an end to the worst practices of the insurance industry: no more yearly caps or lifetime caps; no more denying people care because of pre-existing conditions; and no more dropping people from a plan when they get too sick. No longer will you be without health insurance, even if you lose your job or change jobs.


Now, how those things are defined are a teensy bit vague, but this is a step in the right direction. Up until now he has only expressed preferences and has not said that certain things must be included in a bill he would sign. It's helpful for keeping Dems on track if nothing else.

But that's just the sausage making part. The larger points made in the speech are really good and it's too bad that only about 12 people will hear it.

You'd think this wouldn't have to be said, but it's actually an argument that can't be made often enough:

This is an issue that affects the health and financial well-being of every single American and the stability of our entire economy.

It’s about every family unable to keep up with soaring out of pocket costs and premiums rising three times faster than wages. Every worker afraid of losing health insurance if they lose their job, or change jobs. Everyone who’s worried that they may not be able to get insurance or change insurance if someone in their family has a pre-existing condition.

It’s about a woman in Colorado who told us that when she was diagnosed with breast cancer, her insurance company – the one she’d paid over $700 a month to – refused to pay for her treatment. She had to use up her retirement funds to save her own life.

It’s about a man from Maryland who sent us his story – a middle class college graduate whose health insurance expired when he changed jobs. During that time, he needed emergency surgery, and woke up $10,000 in debt – debt that has left him unable to save, buy a home, or make a career change.

It’s about every business forced to shut their doors, or shed jobs, or ship them overseas. It’s about state governments overwhelmed by Medicaid, federal budgets consumed by Medicare, and deficits piling higher year after year.

This is the status quo. This is the system we have today. This is what the debate in Congress is all about: Whether we’ll keep talking and tinkering and letting this problem fester as more families and businesses go under, and more Americans lose their coverage. Or whether we’ll seize this opportunity – one we might not have again for generations – and finally pass health insurance reform this year, in 2009.


The insurance companies, the politicians who serve them and the wealthy ideologues who want to ensure that the rubes never realize that they have the power to challenge the ruling class, are working overtime to redirect the free floating anxiety people feel over jobs and health care and a whole host of very real problems to a fear of abstractions like future deficits. I think people have to be reminded that the status quo equals the very real and immediate threat of losing everything they have if they get sick.

You'd think they wouldn't need to be reminded, but years of propaganda and slick marketing have trained people to have a Pavlovian response when they hear the words "deficit" and "government takeover" no matter what the context. The president has always addressed that in his speeches, but it's getting crisper and more explicit.

And that's good because the forces for the status quo are working hard to get their story out.
Printer Friendly | Permalink |  | Top
Captain Hilts Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 05:59 PM
Response to Original message
1. I'm very glad to read this. nt
Printer Friendly | Permalink |  | Top
 
FreakinDJ Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:15 PM
Response to Original message
2. Great post as usual babylonsister
Printer Friendly | Permalink |  | Top
 
Cha Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:23 PM
Response to Original message
3. Gawd..what forces of
evil the Obama Team is up against to set our country on the best course but the admin is working their butts off to get the best Health Care Reform which will be an integral part of the Economic Recovery.
Printer Friendly | Permalink |  | Top
 
MadMaddie Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:29 PM
Response to Reply #3
4. Sadly the forces of evil include those 6 "uber conservative"
Democratic members who might as well be Republicans.
Printer Friendly | Permalink |  | Top
 
Cha Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 11:12 AM
Response to Reply #4
32. Yes, I know..it comes in
shapes and sizes.
Printer Friendly | Permalink |  | Top
 
BlooInBloo Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:37 PM
Response to Original message
5. Always good to have another episode of What Digby Said.
Edited on Sat Jul-18-09 06:38 PM by BlooInBloo
Printer Friendly | Permalink |  | Top
 
babylonsister Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:42 PM
Response to Reply #5
6. She's usually pretty critical, so this was nice to read. nt
Printer Friendly | Permalink |  | Top
 
BlooInBloo Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:44 PM
Response to Reply #6
7. Yah, but she's usually rational about it, so it's not a big deal to me...
dday on the other hand, not so much. Tristero is just the shizzle.
Printer Friendly | Permalink |  | Top
 
HopeOverFear Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:46 PM
Response to Reply #6
8. I thought digby was a man
lol
Printer Friendly | Permalink |  | Top
 
BlooInBloo Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 06:59 PM
Response to Reply #8
9. That might be the most-heard remark about her.
:rofl:
Printer Friendly | Permalink |  | Top
 
madinmaryland Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 07:38 PM
Response to Original message
10. I am glad that Obama sees the Big Picture and is working within the system
Edited on Sat Jul-18-09 07:38 PM by madinmaryland
to accomplish them. Unlike some folks here, who cannot or refuse to see the bigger picture.
Printer Friendly | Permalink |  | Top
 
bleever Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 08:03 PM
Response to Original message
11. He seems to be staking his reputation on the public option.
That is an extremely promising sign to me.

I continue to have hope and faith, and to not back down on what constitutes real reform.
Printer Friendly | Permalink |  | Top
 
babylonsister Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 08:46 PM
Response to Reply #11
12. Me, too, bleever, and nice, as always, to see you!
He knows what he's fighting for. He listened to all those Americans during the primaries. He knows what's important.
Printer Friendly | Permalink |  | Top
 
bleever Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 08:57 PM
Response to Reply #12
13. Personally, I have the sense
that Obama grew up as an outsider, in a lot of ways, and that "being President" wasn't his goal. It was to be a president who made things happen, and broke through long-established patterns, and actually changed what it meant to be President.

I know he's tremendously constrained by institutional habits and inertia; I also have the feeling he knew that that was what he was taking on, and is doing it methodically and strategically.

I hope you're having a good summer, sis!

:hi:
Printer Friendly | Permalink |  | Top
 
Arkana Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 09:20 PM
Response to Reply #11
15. He wouldn't do it if he didn't think he'd get what he wanted.
Printer Friendly | Permalink |  | Top
 
bleever Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 09:56 PM
Response to Reply #15
17. He's a very cautious man.
Caution and audacity can make for a very powerful combination.
Printer Friendly | Permalink |  | Top
 
Arkana Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 09:20 PM
Response to Original message
14. I'm pleased to see he's stepping up to the plate and making his wishes clearer.
But if his opponents are going to step up their attacks on him, he needs to ratchet it up a bit in turn.
Printer Friendly | Permalink |  | Top
 
KoKo Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 09:42 PM
Response to Original message
16. Ah...I love that title "Locks & Loads" and anything Digby writes...
:thumbsup:
Printer Friendly | Permalink |  | Top
 
Arkana Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-20-09 12:00 AM
Response to Reply #16
36. Obama calls Biden on the phone.
"Put it on, man."

"What?"

"The last suit you'll ever wear."




Then Obama comes out of the Oval, puts on his sunglasses, and says "You know what the difference is between you and me?"

"I make this look good."
Printer Friendly | Permalink |  | Top
 
backscatter712 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 10:15 PM
Response to Original message
18. Bout time Obama brings the hammer down on the Blue Cross Dems...
CALL 'EM OUT!!!
Printer Friendly | Permalink |  | Top
 
ohheckyeah Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 10:15 PM
Response to Original message
19. I hope when he says
"no more denying people care because of pre-existing conditions" that includes not being able to make the premiums so high for those with pre-existing conditions that they can't afford it.
Printer Friendly | Permalink |  | Top
 
Hissyspit Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 10:20 PM
Response to Reply #19
20. Now stop pointing out those loopholes the insurance companies love so much.
You'll screw with their scam.

Course if we put them out of business, they wouldn't be able to take advantage of those loopholes.

Printer Friendly | Permalink |  | Top
 
backscatter712 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 11:07 PM
Response to Reply #19
23. The bills in the House & Senate do mandate community rating.
There's two types of actuarial rating in insurance circles. One is experience rating, where individual customers fill out questionnaires about their health conditions and risk factors, and health history is checked, etc. etc. etc., and the insurer crunches the actuarial numbers and calculates a premium for that individual - if you have a history of pre-existing conditions, you pay more, or you get turned away because your risk is too high.

The other, which would be mandated by the health reform bills, is community rating, where the insurer calculates risk and estimates how much they will pay out across the entire community, or their entire pool of customers, then they divide the risk up, so everyone pays the same.
Printer Friendly | Permalink |  | Top
 
ohheckyeah Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 01:12 AM
Response to Reply #23
26. I hope you are right.
Edited on Sun Jul-19-09 01:12 AM by ohheckyeah
I can get insurance but I pay a premium because I had back surgery. It doesn't matter that I haven't been treated for my back in 10 years they just think I will have to be at some point.

Thanks for the reply and information.
Printer Friendly | Permalink |  | Top
 
Torn_Scorned_Ignored Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 10:49 PM
Response to Original message
21. A Turning Point
Printer Friendly | Permalink |  | Top
 
Odin2005 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jul-18-09 11:02 PM
Response to Original message
22. I 'll bet Rahm is sending those Blue dogs some rotting fish.
Edited on Sat Jul-18-09 11:04 PM by Odin2005
The public option needs to be pushed hard, and Obama won't be able to do it on his own. We have to get off our rear ends and PUSH, PUSH, PUSH!
Printer Friendly | Permalink |  | Top
 
babylonsister Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 12:05 AM
Response to Reply #22
25. I hope he is. His effectiveness will hopefully work. nt
Printer Friendly | Permalink |  | Top
 
grantcart Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 12:03 AM
Response to Original message
24. exactly
Printer Friendly | Permalink |  | Top
 
nvme Donating Member (486 posts) Send PM | Profile | Ignore Sun Jul-19-09 03:12 AM
Response to Original message
27. He has a double barrelled shotgun
and he is gonna unload both on Weds prime time address. I will wager that it is gonna hammer home the Healthcare issues
Printer Friendly | Permalink |  | Top
 
autorank Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 03:23 AM
Response to Original message
28. I want his eloquence focused on something more concrete
Edited on Sun Jul-19-09 03:31 AM by autorank
I heard the address and was surprised that this market exchange idea is still there.

Here's what it means.

If you're self employed or buy your insurance on your own for some reason, then you'll use the 'market exchange.'
We already have it in the form of insurance company web sites. All they'd need to do is put up a gateway and
they're all there. Any one of a few million tech savvy users could do that. Just because it's up as a central
market place, the description of the plans will allow for plenty of misleading information.

If you're working for a corporation, you will have no need for the 'market exchange'

BECAUSE EITHER A) YOUR COMPANY BUYS INSURANCE FOR YOU OR B) PAYS FOR IT (IS "SELF INSURED") AND HAS
BLUE CROSS OR SOME OTHER COMPANY ADMINISTER IT (AND TAKE THE BLAME;)

Right now, there is a built in discount in pricing for these medium to large "self insured' companies already.
And, through direct purchases or purchasing through an agent, there's an in-place discount for small firms
purchasing insurance directly from the Blues or other carriers.

So those working for medium to large self insured companies will get no price break. It's already there.

Those who are self employed won'insurance companies to reduce prices for them below an acceptable margin?

But right now, the only people who would be impacted by the "exchange" and "competition" are those buying their
own insurance on their own and the only cost reductions would come in out years after the agreed upon savings in
health care and medicine costs are achieved unless there's no mechanism to force a pass through savings passed on
from the insurance companies to citizens, as I see this.

I'm happy to be corrected on any of this so let me know. I truly want affordable health care for everyone and
I of the belief that coverage for everyone is a baseline requirement.
Printer Friendly | Permalink |  | Top
 
FlaGranny Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 05:07 AM
Response to Reply #28
29. I wouldn't be surrprised if
many large companies would want to stop providing health insurance. They could offer a higher salary to those who dropped the company plan and employees could go to the public option or another private option. Not as good as universal coverage, but the next best thing. It's certainly a step in the right direction. I'm betting many will chose public and those damned bloodsucking private companies will either get the message or go out of business.
Printer Friendly | Permalink |  | Top
 
northernlights Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 05:43 AM
Response to Reply #28
30. I think you're missing 2 key elements of the "market exchange"
Edited on Sun Jul-19-09 05:47 AM by northernlights
1. The insurance company websites don't set (or necessarily meet) the comparative information parameters. Obama just said what information will be provided...and the format in which it will be provided. One in which you can compare:

* the benefits
* cost
* track records
* including a public option



2. The private insurance options will be competing with the public insurance option.


But to be honest, your writing is less than coherent, so I may be misunderstanding what you're trying to say.
Printer Friendly | Permalink |  | Top
 
ipaint Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 07:35 AM
Response to Reply #30
31. What is being done about the 31% overhead and profit
of the the insurance companies and the exhorbitant profit the for profit industry makes in hospitals, labs, pharma etc. for services rendered.
Every country that has attempted reform approached it with cost reduction paramount. Not only that a public option will not work if cost reductions are not in place. Forcing a public option with limited enrollment, which in turn limits or eliminates negotiating power, to pay bloated market prices set by CEO's making multi million dollar salaries and stock options seys it up for certain failure.
Why is nothing being done for those who will be mandated to purchase insurance through the bloodsucking insurance corporations about their gouging prices and enormous profits.
Printer Friendly | Permalink |  | Top
 
autorank Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 11:43 PM
Response to Reply #30
35. northernlights
Edited on Sun Jul-19-09 11:44 PM by autorank
To be honest in return, you are a rude POS and you are not on ignore :hi:
Printer Friendly | Permalink |  | Top
 
bvar22 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 05:11 PM
Response to Reply #28
33. Here:
These are estimates from the CBO, and apply to the recent Bill from the House (HR 3200)


The House bill actually increases the number of people who receive coverage through their employer by 2 million (in 2019) and shifts most of the uninsured into private coverage. By 2019, 30 million individuals would also purchase coverage from the Exchange, but only 9-10 million Americans would enroll in the public option, the rest would enroll in private coverage."

http://wonkroom.thinkprogress.org/2009/07/14/house-bill-comes-in-at-1-trillion-undermines-gop-talking-points/



You might want to check out this article too:

"The rhetoric is that Americans will gain new alternatives," he said. "But the reality is that they are putting up firewalls that are going to restrict the access of people with employer-sponsored insurance to the exchange."

One result, he said, is that any public plan would be substantially smaller than what many backers are envisioning. That would reduce the public plan's power to compete with private insurers and hold down costs, he said. The Congressional Budget Office estimates that nine million to 10 million people would enroll in the public plan by 2019."

http://www.newjerseynewsroom.com/healthquest/for-many-workers-insurance-choices-may-be-limited-after-health-care-overhaul



Do you believe that a Public Plan that enrolls only 10 Million (3%) people by 2019 will satisfy 72% OF Americans calling for a "Public Option?

Will a Public Option that has ONLY 3% of the American People have any "negotiating power" to "drive down the cost of Health Care"?

I think our "Congress" is playing a game of 3 Card Monty with the American People.
Printer Friendly | Permalink |  | Top
 
autorank Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-20-09 01:50 AM
Response to Reply #33
37. Wow! Thank you!!!
This is one area where I "depend in the kindness of strangers" and others.

Excellent points. Looks like a stacked deck. I'm shocked! Shocked that Congress would do that.

Printer Friendly | Permalink |  | Top
 
SalviaBlue Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jul-19-09 05:53 PM
Response to Original message
34. k and r
thanks for posting this
Printer Friendly | Permalink |  | Top
 
DU AdBot (1000+ posts) Click to send private message to this author Click to view 
this author's profile Click to add 
this author to your buddy list Click to add 
this author to your Ignore list Sat May 04th 2024, 09:29 PM
Response to Original message
Advertisements [?]
 Top

Home » Discuss » Archives » General Discussion: Presidential (Through Nov 2009) Donate to DU

Powered by DCForum+ Version 1.1 Copyright 1997-2002 DCScripts.com
Software has been extensively modified by the DU administrators


Important Notices: By participating on this discussion board, visitors agree to abide by the rules outlined on our Rules page. Messages posted on the Democratic Underground Discussion Forums are the opinions of the individuals who post them, and do not necessarily represent the opinions of Democratic Underground, LLC.

Home  |  Discussion Forums  |  Journals |  Store  |  Donate

About DU  |  Contact Us  |  Privacy Policy

Got a message for Democratic Underground? Click here to send us a message.

© 2001 - 2011 Democratic Underground, LLC