McCain’s Plan - Millions Will Lose Insurance Coverage麥凱恩的計劃-以百萬計將失去保險覆蓋面
By Jo Hartley趙哈特利 | Americans need to be aware of what Senator John McCain’s health care plan entails. |美國人必須認識到什麼樣的參議員麥凱恩的保健計劃需要。 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，戰鬥保健通脹，他的目標是雇主提供的系統，目前包括超過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.這將有效地迫使人們誰現在有健康保險，通過他們的雇主購買個人健康護理計劃，通過不受管制的保險公司。 Instead of reducing health care costs, this would increase it.而不是降低醫療成本，這將增加。
In the effort to create his在努力創造他 health care健康護理 policy, McCain appears to have turned to his financial supporters in the政策，麥凱恩似乎已經轉向他的財政支持者，在 health care industry醫療保健行業 for advice and direction.提供諮詢意見和方向。 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.他們想出了是一個極其思想計劃的基礎上的前提下，這一問題在我國醫療保健行業，就是我們有太多的保險。 Their thoughts is that if we have to buy our health care with money directly out of our pockets instead of through他們的想法是，如果我們要購買我們的保健與金錢直接排除在我們的口袋，而不是通過 employers雇主 we will force physicians, hospitals, and我們將迫使醫師，醫院和 insurance companies保險公司 to become more efficient.要變得更有效率。
That’s their theory.這是他們的理論。 Here are the facts.這裡是事實。
Most Americans already pay at least a part of their premiums out of their own pockets.大多數美國人已經支付至少一部分，他們的保費出於自己的口袋。 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，我們正在運行的越來越多。 This is already resulting in people who have what is considered “good insurance” to carefully weigh each doctor visit.這已是造成在人誰有什麼被認為是“好保險” ，仔細衡量每名醫生的訪問。 The end result is that even now millions of Americans aren’t getting the health care they need.最終的結果是，即使現在以百萬計的美國人沒有得到衛生保健他們的需要。 This is driving這是駕駛 health care costs醫療費用 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.麥凱恩也有計劃，以稅工人的健康護理的保費是雇主提供的。 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.的共識，雙方之間的保守派和自由派的是，這將很可能導致雇主終止醫療保健福利，他們為他們提供僱員。
Here’s the kicker.這裡的踢球。 McCain doesn’t argue these facts.麥凱恩並不辯稱這些事實。 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.巨大的磨難會導致因為他的保健計劃（以百萬計的家庭失去他們的保險範圍和需要另覓覆蓋面）是不是一個非預期的後果。 He would prefer that Americans purchase insurance as individuals.他希望美國人購買保險作為個人。
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.麥凱恩也想擺脫與法規，要求公司投保患者預先存在的條件下，需要的好處規定，不排除某些醫療條件，防止公司從收取高昂的保費不合標準的好處。 He would give you the “freedom” to buy your insurance through private companies that may be in other states with differing regulations.他將讓您“自由”買你的保險，通過私人公司可能會在其他國家具有不同的規例。 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.顯然許多大的保險公司正在做功課的權利，現在，以確定哪些國家將成為最有利的地方，他們的公司總部，如果麥凱恩贏得總統。
Part of McCain’s plan is a refundable tax credit to help pay for部分麥凱恩的計劃是退還稅款抵減，以幫助支付 health insurance健康保險 ($2,500 for individuals and $5,000 for families). （ 2,500元，為個人和五千元的家庭） 。 Last year the average annual expense for the most common type of insurance plan was $11,765.去年，平均每年開支為最常見的保險計劃，一萬一千七百六十五美元。 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.這意味著，平均家庭將支付大約六千七百六十五美元後，減去5000元稅收抵免-大約一倍，平均僱員支付的份額，他們目前的保費。
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，麥凱恩的目標是為美國人付出更多對他們的健康照顧，因為他相信這將導致他們覺得更難，才尋求醫療照顧。
McCain and his supporters in the insurance industry would also create something they are calling a Health Savings Account.麥凱恩和他的支持者在保險業也將創造一些他們在呼喚一個健康儲蓄帳戶。 This is a savings account attached to an insurance plan with very high deductibles making it essentially a catastrophic health plan.這是一個儲蓄帳戶附加到保險計劃非常高的免賠額，使基本上是一個災難性的健康計劃。 For normal doctor visits, you would deduct money from your savings account until it’s empty.正常的醫生訪問，你會扣除金錢從您的儲蓄帳戶中，直到它的空白。 After there is nothing left are you wondering how you will pay for your health care?後是沒有左邊的是你不知道您將如何支付您的保健？ Good question!好問題！
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.這個組合是被稱為“消費者導向型衛生保健” ，雖然這是促進作為一種為了節省金錢，影響我們的經濟和社會將不會是正面的。 This will leave millions of people with substandard medical coverage, more health problems, and higher incidences of health cost-related financial problems.這將離開以百萬計的人與不合規格的醫療保險，更多的健康問題，以及較高的發病率醫療成本有關的金融問題。
It would also place the insurance industry and the drug industry in ever more control of America’s health care system.它也發生了保險業和製藥行業在以往任何時候都更多的控制，美國的醫療制度。
The release of McCain’s health care plan is a test for our country’s釋放麥凱恩的保健計劃，是一個測試，為我們國家的 mainstream media主流媒體 . 。 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.健康護理專家，誰是根植於現實，將有告訴記者，是沒有任何支持麥凱恩的聲稱，他計劃將減少醫療成本。 Will the media get to the bottom of the story?將媒體到達底部的故事呢？
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.底線是這樣的：麥凱恩的健康計劃是設定為大大增加的數目保險的美國人和它很可能會無能為力高的醫療成本。 The number of Americas who cannot afford good health insurance for their families is going to increase.人數美洲誰不能良好的健康保險，為他們的家庭是要增加。 Will the mainstream media get this story right?將主流媒體得到這個故事的權利？
See More: 看到更多的： Health News 健康新聞Have Your Say: McCain’s Plan - Millions Will Lose Insurance Coverage 你說：麥凱恩的計劃-以百萬計將失去保險覆蓋面
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One Response to “McCain’s Plan - Millions Will Lose Insurance Coverage” 1回應“麥凱恩的計劃-以百萬計將失去保險覆蓋面”
Jamie 傑米
Posted: May 28th, 2008 at 9:16 pm | 發布時間： 2008年5月28日在下午9點16分| Link to this 鏈接到本
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I take it you have not had a health savings account before.我是否可以你有沒有一個健康儲蓄帳戶之前。 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.我已一為過去數年，和我從來不認為因此有權當談到什麼醫療機構我選擇，什麼程序，他們的表現，以及有多少我願意付出。 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.當您結合起來，一人血清白蛋白與高免賠額保險計劃，您支付您的醫療費用（或其中相當大一部分） ，直到扣除，但一旦你達到這個扣除您所有的費用（或他們大多數，這取決於什麼計劃你選出有） ，費用由保險公司提供。
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.主要優點hsas的是，他們讓消費者價格敏感的醫療保健費用，即醫生，醫院，眼鏡-供應商等不能保持托價格失去了他們的一些業務。 Eventually that will mean lower prices for everyone.最終這將意味著更低的價格為每個。 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.相反認為，傳統的保險計劃，醫療補助等，其中並沒有真正的事個人有多大的程序，成本，因為他們沒有直接支付給他們。
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.或許最大的一件事是，這筆錢是你們的繼續，讓你一誘因，生活健康的生活方式，並把重點放在預防上。