Rudy Giuliani offered "a consumer-oriented solution to the nation's health care woes that relies on giving individuals tax credits to purchase private insurance." (NYT)
His plan calls for $15,000 tax deduction for families to buy private health insurance, which sounds nice on the surface, but ... Here's a conservative response:
The problem with Rudy's plan as with the plans offered by the Democrats is that there is no requirement of personal responsibility by the participants in the plan. If you simply provide health insurance to the masses, many if not most will start visiting doctor's offices and ER's in droves expecting the insurance to foot the bill for everything. If that happens, then the already overburdened health care system will suffer even more and the costs will continue to rise.
It should be made clear from the beginning, "If you go to the doctor or ER with things like bug bites and colds, YOU will have to pay for it."
Any such insurance plans should be of a high deductible nature requiring the individual to take care of day to day expenses. Indeed the insurance should be more of a catastrophic coverage providing the person with a safety net in the event of calamity.'Government cannot take care of you. You've got to take care of yourself,'' he said. ''As more of us do that, the cheaper it will become and the higher in quality it becomes.''
I agree with Rudy's statement. Now, making it happen is another matter.
Also, "un-insurable" people are not addressed by this. If someone gives them 15,000 dollars to buy insurance, it won't do a bit of good if they can't buy a policy. Older people with any health problems are pretty much out of luck unless they can get a group policy through an employer.
Edwards says he would MANDATE that people have health insurance. How thew heck is he going to enforce something like that?
Rudy's sound-bite for the evening news was (not verbatim), "Americans cannot depend on a "Nanny State" to take care of them. They must learn to take care of themselves." I agree with that statement. It comes down to personal responsibility, as usual. Rudy's plan sounds nice, but like most political plans, implementing it would require lots of debate and consideration for how it would actually affect Americans.
On Edwards and Obama's plans (NYT):
Employers would have to share the cost of insuring workers or pay into a public program.
Edwards estimates that his plan would cost $90 billion to $120 billion per year and would be financed by repealing President Bush's tax cuts on those making more than $200,000 per year.
Obama's plan calls for the creation of a public program similar to the health plan offered to federal employees, and a National Health Insurance Exchange for consumers to shop among private plans. Employers would have to share the cost of insuring workers.
Obama estimates his plan would cost $50 billion to $65 billion per year, paid for by letting Bush's tax cuts expire on those making more than $250,000 per year. (more)
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