McCain’s Plan - Millions Will Lose Insurance Coverage麦凯恩的计划-以百万计将失去保险覆盖面
By Jo Hartley赵哈特利 | Americans need to be aware of what Senator John McCain’s health care plan entails. |美国人必须认识到什么样的参议员麦凯恩的保健计划需要。 Under the guise of fighting health care inflation, he is targeting the employer-provided system that currently covers over 60 percent of the non-elderly population.的幌子下，战斗保健通胀，他的目标是雇主提供的系统，目前包括超过60 ％的非老年人口。 This would effectively force people who now have health insurance through their employers to purchase individual health care plans through unregulated insurance companies.这将有效地迫使人们谁现在有健康保险，通过他们的雇主购买个人健康护理计划，通过不受管制的保险公司。 Instead of reducing health care costs, this would increase it.而不是降低医疗成本，这将增加。
In the effort to create his在努力创造他 health care健康护理 policy, McCain appears to have turned to his financial supporters in the政策，麦凯恩似乎已经转向他的财政支持者，在 health care industry医疗保健行业 for advice and direction.提供咨询意见和方向。 What they have come up with is an extremely ideological plan based on the premise that the problem in our health care industry is that we have too much insurance.他们想出了是一个极其思想计划的基础上的前提下，这一问题在我国医疗保健行业，就是我们有太多的保险。 Their thoughts is that if we have to buy our health care with money directly out of our pockets instead of through他们的想法是，如果我们要购买我们的保健与金钱直接排除在我们的口袋，而不是通过 employers雇主 we will force physicians, hospitals, and我们将迫使医师，医院和 insurance companies保险公司 to become more efficient.要变得更有效率。
That’s their theory.这是他们的理论。 Here are the facts.这里是事实。
Most Americans already pay at least a part of their premiums out of their own pockets.大多数美国人已经支付至少一部分，他们的保费出于自己的口袋。 There are also the ever increasing co-payments that we are running into more and more.也有日益增加的共同支付的，我们正在运行的越来越多。 This is already resulting in people who have what is considered “good insurance” to carefully weigh each doctor visit.这已是造成在人谁有什么被认为是“好保险” ，仔细衡量每名医生的访问。 The end result is that even now millions of Americans aren’t getting the health care they need.最终的结果是，即使现在以百万计的美国人没有得到卫生保健他们的需要。 This is driving这是驾驶 health care costs医疗费用 up, not down.最多，而不是下降。
McCain also has a plan to tax workers’ health care premiums that are employer provided.麦凯恩也有计划，以税工人的健康护理的保费是雇主提供的。 The consensus among both conservatives and liberals is that this will likely result in employers ending the health care benefits they provide for their employees.的共识，双方之间的保守派和自由派的是，这将很可能导致雇主终止医疗保健福利，他们为他们提供雇员。
Here’s the kicker.这里的踢球。 McCain doesn’t argue these facts.麦凯恩并不辩称这些事实。 The huge ordeal that would result because of his health plan (millions of families losing their insurance coverage and needing to find alternative coverage) is not an unintended consequence.巨大的磨难会导致因为他的保健计划（以百万计的家庭失去他们的保险范围和需要另觅覆盖面）是不是一个非预期的后果。 He would prefer that Americans purchase insurance as individuals.他希望美国人购买保险作为个人。
McCain would also like to do away with regulations that require companies to insure patients with pre-existing conditions, require benefits to be provided that do not exclude certain medical conditions, and prevent companies from charging exorbitant premiums for substandard benefits.麦凯恩也想摆脱与法规，要求公司投保患者预先存在的条件下，需要的好处规定，不排除某些医疗条件，防止公司从收取高昂的保费不合标准的好处。 He would give you the “freedom” to buy your insurance through private companies that may be in other states with differing regulations.他将让您“自由”买你的保险，通过私人公司可能会在其他国家具有不同的规例。 Obviously many of the big insurance companies are doing their homework right now to determine which states would be the most advantageous to place their corporate headquarters if McCain wins the presidency.显然许多大的保险公司正在做功课的权利，现在，以确定哪些国家将成为最有利的地方，他们的公司总部，如果麦凯恩赢得总统。
Part of McCain’s plan is a refundable tax credit to help pay for部分麦凯恩的计划是退还税款抵减，以帮助支付 health insurance健康保险 ($2,500 for individuals and $5,000 for families). （ 2,500元，为个人和五千元的家庭） 。 Last year the average annual expense for the most common type of insurance plan was $11,765.去年，平均每年开支为最常见的保险计划，一万一千七百六十五美元。 This means that the average family would pay roughly $6,765 after subtracting the $5,000 tax credit –- approximately double what the average employee pays for their share of their current premiums.这意味着，平均家庭将支付大约六千七百六十五美元后，减去5000元税收抵免-大约一倍，平均雇员支付的份额，他们目前的保费。
To reiterate, McCain’s goal is for Americans to pay more for their health care because he believes this will lead them to think harder before seeking medical care.要重申，麦凯恩的目标是为美国人付出更多对他们的健康照顾，因为他相信这将导致他们觉得更难，才寻求医疗照顾。
McCain and his supporters in the insurance industry would also create something they are calling a Health Savings Account.麦凯恩和他的支持者在保险业也将创造一些他们在呼唤一个健康储蓄帐户。 This is a savings account attached to an insurance plan with very high deductibles making it essentially a catastrophic health plan.这是一个储蓄帐户附加到保险计划非常高的免赔额，使基本上是一个灾难性的健康计划。 For normal doctor visits, you would deduct money from your savings account until it’s empty.正常的医生访问，你会扣除金钱从您的储蓄帐户中，直到它的空白。 After there is nothing left are you wondering how you will pay for your health care?后是没有左边的是你不知道您将如何支付您的保健？ Good question!好问题！
This combination is known as “consumer-directed health care.” Although it is promoted as a way to save money, the impact on our economy and society will not be positive.这个组合是被称为“消费者导向型卫生保健” ，虽然这是促进作为一种为了节省金钱，影响我们的经济和社会将不会是正面的。 This will leave millions of people with substandard medical coverage, more health problems, and higher incidences of health cost-related financial problems.这将离开以百万计的人与不合规格的医疗保险，更多的健康问题，以及较高的发病率医疗成本有关的金融问题。
It would also place the insurance industry and the drug industry in ever more control of America’s health care system.它也发生了保险业和制药行业在以往任何时候都更多的控制，美国的医疗制度。
The release of McCain’s health care plan is a test for our country’s释放麦凯恩的保健计划，是一个测试，为我们国家的 mainstream media主流媒体 . 。 Health care experts who are grounded in reality will have to tell reporters that there is nothing to support McCain’s claims that his plan will reduce health care costs.健康护理专家，谁是根植于现实，将有告诉记者，是没有任何支持麦凯恩的声称，他计划将减少医疗成本。 Will the media get to the bottom of the story?将媒体到达底部的故事呢？
The bottom line is this: McCain’s health plan is set to greatly increase the number of uninsured Americans and it will likely do nothing about high health care costs.底线是这样的：麦凯恩的健康计划是设定为大大增加的数目保险的美国人和它很可能会无能为力高的医疗成本。 The number of Americas who cannot afford good health insurance for their families is going to increase.人数美洲谁不能良好的健康保险，为他们的家庭是要增加。 Will the mainstream media get this story right?将主流媒体得到这个故事的权利？
See More: 看到更多的： Health News 健康新闻Have Your Say: McCain’s Plan - Millions Will Lose Insurance Coverage 你说：麦凯恩的计划-以百万计将失去保险覆盖面
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One Response to “McCain’s Plan - Millions Will Lose Insurance Coverage” 1回应“麦凯恩的计划-以百万计将失去保险覆盖面”
Jamie 杰米
Posted: May 28th, 2008 at 9:16 pm | 发布时间： 2008年5月28日在下午9点16分| Link to this 链接到本
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I take it you have not had a health savings account before.我是否可以你有没有一个健康储蓄帐户之前。 I’ve had one for the last few years, and I’ve never felt so empowered when it comes to what medical providers I choose, what procedures they perform, and how much I’m willing to pay.我已一为过去数年，和我从来不认为因此有权当谈到什么医疗机构我选择，什么程序，他们的表现，以及有多少我愿意付出。 When you combine an HSA with a high-deductible insurance plan, you pay your medical costs (or a large portion of them) up until the deductible, but once you reach that deductible all of your costs (or most of them, depending on what plan you elect to have) are paid for by the insurance provider.当您结合起来，一人血清白蛋白与高免赔额保险计划，您支付您的医疗费用（或其中相当大一部分） ，直到扣除，但一旦你达到这个扣除您所有的费用（或他们大多数，这取决于什么计划你选出有） ，费用由保险公司提供。
The main benefit of HSAs is that they make consumers price-sensitive to health care costs, which means doctors, hospitals, eyeglass-providers, etc. can’t keep jacking up prices without losing some of their business.主要优点hsas的是，他们让消费者价格敏感的医疗保健费用，即医生，医院，眼镜-供应商等不能保持托价格失去了他们的一些业务。 Eventually that will mean lower prices for everyone.最终这将意味着更低的价格为每个。 Contrast that to traditional insurance plans, Medicaid, etc., where it doesn’t really matter to individuals how much procedures cost because they’re not directly paying for them.相反认为，传统的保险计划，医疗补助等，其中并没有真正的事个人有多大的程序，成本，因为他们没有直接支付给他们。
And perhaps the greatest thing is that the money is yours to keep, which gives you an incentive to live a healthy lifestyle with a focus on prevention.或许最大的一件事是，这笔钱是你们的继续，让你一诱因，生活健康的生活方式，并把重点放在预防上。