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	<title>Comments on: Blue Dog Health Plan to Increase Insurance Premiums, Bureaucratic Costs</title>
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	<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/</link>
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		<title>By: klynn</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968843</link>
		<dc:creator>klynn</dc:creator>
		<pubDate>Tue, 01 Sep 2009 13:20:20 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968843</guid>
		<description>&lt;p&gt;Here’s where that argument gains more ground. Looking at the “cascade effect”, if my projections are potentially more of the future reality, which from my personal venue, seems a realistic one. Let’s look at this cascade.&lt;/p&gt;
&lt;p&gt;If Republicans and Blue Dogs are going to dump the PO now, just wait until 2012-2013 with the rate of premium increases out of many average citizen’s financial reach.  Employers do not have any plans on the horizon (with the exception of the financial sector) to offer COL salary increases.  So insurance premiums go up (in my estimate 8-10%) while employees receive no cost of living increase. Add to this picture that many of us, nationally, just went through a year filled with furloughs and for many, that will continue into the next year (or two). The cascade will probably happen faster than the health insurance industry realizes; making a public option essential due to the rapid rising rate of uninsured and the loss of productivity with employees due to dropping their coverage because they cannot afford it. Now, I will tell you, economically, our family falls into a middle class category. There will be no safety net for us in terms of health care.&lt;/p&gt;
&lt;p&gt;So, we have the forecast of the uninsured rate climbing to record rates within economic classes no one expects it to climb in, and no safety net, all the while we are being faced with the growth in pandemics?&lt;/p&gt;
&lt;p&gt;Sounds like the health care “perfect storm” crisis.  In the end we’ll end up with such a big public option the private industry will be moot.&lt;/p&gt;
&lt;p&gt;If that is how the private industry wants to fight this. They can. They will cut off their nose despite their face and a large chuck of medical research, medical R&amp;D will dissolve in the US as a result (one area where we have been an international leader). It. Makes. No. Sense.&lt;/p&gt;
&lt;p&gt;And then PaulaT’s comment at 23 comes into play:&lt;/p&gt;
&lt;blockquote&gt;
&lt;p&gt;I keep wondering where the other business/corporate interests are. Why aren’t they lobbying Congress to do something considering their profits and prospects are going down the tubes to higher health insurance costs? It seems like it should be big insurance and big pharma against the rest of the business world, but apparently it is not. &lt;/p&gt;&lt;/blockquote&gt;</description>
		<content:encoded><![CDATA[<p>Here’s where that argument gains more ground. Looking at the “cascade effect”, if my projections are potentially more of the future reality, which from my personal venue, seems a realistic one. Let’s look at this cascade.</p>
<p>If Republicans and Blue Dogs are going to dump the PO now, just wait until 2012-2013 with the rate of premium increases out of many average citizen’s financial reach.  Employers do not have any plans on the horizon (with the exception of the financial sector) to offer COL salary increases.  So insurance premiums go up (in my estimate 8-10%) while employees receive no cost of living increase. Add to this picture that many of us, nationally, just went through a year filled with furloughs and for many, that will continue into the next year (or two). The cascade will probably happen faster than the health insurance industry realizes; making a public option essential due to the rapid rising rate of uninsured and the loss of productivity with employees due to dropping their coverage because they cannot afford it. Now, I will tell you, economically, our family falls into a middle class category. There will be no safety net for us in terms of health care.</p>
<p>So, we have the forecast of the uninsured rate climbing to record rates within economic classes no one expects it to climb in, and no safety net, all the while we are being faced with the growth in pandemics?</p>
<p>Sounds like the health care “perfect storm” crisis.  In the end we’ll end up with such a big public option the private industry will be moot.</p>
<p>If that is how the private industry wants to fight this. They can. They will cut off their nose despite their face and a large chuck of medical research, medical R&amp;D will dissolve in the US as a result (one area where we have been an international leader). It. Makes. No. Sense.</p>
<p>And then PaulaT’s comment at 23 comes into play:</p>
<blockquote>
<p>I keep wondering where the other business/corporate interests are. Why aren’t they lobbying Congress to do something considering their profits and prospects are going down the tubes to higher health insurance costs? It seems like it should be big insurance and big pharma against the rest of the business world, but apparently it is not. </p>
</blockquote>
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		<title>By: letsgetitdone</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968252</link>
		<dc:creator>letsgetitdone</dc:creator>
		<pubDate>Mon, 31 Aug 2009 23:37:12 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968252</guid>
		<description>&lt;p&gt;Very good ROTL.&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>Very good ROTL.</p>
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		<title>By: letsgetitdone</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968251</link>
		<dc:creator>letsgetitdone</dc:creator>
		<pubDate>Mon, 31 Aug 2009 23:35:18 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968251</guid>
		<description>&lt;p&gt;The rest of the corporate world probably just figures that it will drop health insurance as a fringe benefit when it gets too expensive. The only companies that can’t do that are unionized. But that’s less and less of a problem these days.&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>The rest of the corporate world probably just figures that it will drop health insurance as a fringe benefit when it gets too expensive. The only companies that can’t do that are unionized. But that’s less and less of a problem these days.</p>
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		<title>By: letsgetitdone</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968249</link>
		<dc:creator>letsgetitdone</dc:creator>
		<pubDate>Mon, 31 Aug 2009 23:32:18 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968249</guid>
		<description>&lt;p&gt;Very good argument klynn. I’ve assumed 8% myself in my writings.&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>Very good argument klynn. I’ve assumed 8% myself in my writings.</p>
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		<title>By: letsgetitdone</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968248</link>
		<dc:creator>letsgetitdone</dc:creator>
		<pubDate>Mon, 31 Aug 2009 23:30:18 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968248</guid>
		<description>&lt;p&gt;I’ll be very interested in your new post. But isn’t it so that the PO in HR 3200 sucks?&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>I’ll be very interested in your new post. But isn’t it so that the PO in HR 3200 sucks?</p>
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		<title>By: letsgetitdone</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968247</link>
		<dc:creator>letsgetitdone</dc:creator>
		<pubDate>Mon, 31 Aug 2009 23:28:53 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968247</guid>
		<description>&lt;p&gt;That’s unfortunate klynn, since according to HR 3200, the PO won’t be operative until 2013. At that time, you might perhaps be able to afford the PO, if you’re entitled to a Government subsidy. However, since those will, at most be only 400 % of the poverty level; it’s quite possible that you’ll find yourself without a subsidy yet required by law to buy someone’s insurance. The PO won’t be cheap since, the blue dogs are fixing it so that it will likely be comparable in price to the private plan.&lt;/p&gt;
&lt;p&gt;In short, Congress and the President need to cut the crap here. The only thing that’s going to work for real people, in the short run, is HR 676, Medicare for All. We need to pass that, and make it effective in less than a year.&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>That’s unfortunate klynn, since according to HR 3200, the PO won’t be operative until 2013. At that time, you might perhaps be able to afford the PO, if you’re entitled to a Government subsidy. However, since those will, at most be only 400 % of the poverty level; it’s quite possible that you’ll find yourself without a subsidy yet required by law to buy someone’s insurance. The PO won’t be cheap since, the blue dogs are fixing it so that it will likely be comparable in price to the private plan.</p>
<p>In short, Congress and the President need to cut the crap here. The only thing that’s going to work for real people, in the short run, is HR 676, Medicare for All. We need to pass that, and make it effective in less than a year.</p>
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		<title>By: readerOfTeaLeaves</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968192</link>
		<dc:creator>readerOfTeaLeaves</dc:creator>
		<pubDate>Mon, 31 Aug 2009 20:38:47 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968192</guid>
		<description>&lt;p&gt;Well, masaccio’s the expert, but here’s what I’ve gleaned.&lt;/p&gt;
&lt;p&gt;The chances that health care reform will pass now is precisely due to the issue you point out: not only can’t many corporations and smaller businesses afford it,  but neither can state and local governments.&lt;/p&gt;
&lt;p&gt;However, here’s what I’m seeing:  Wall Street still calls the shots **in D.C.** While much of the rest of the nation holds Wall Street (aka, ‘finance’) and banksters in increasingly low regard, the key decision makers inside government/DC are aligned with Wall Street.  Which badly needs the health care sector for profit maximization that is no longer coming from other, already looted or eviscerated, sectors.&lt;/p&gt;
&lt;p&gt;It’s been a couple of years now, but I recall a little info about Howard Schultz (of Starbuck’s), and the  CEO of Costco meeting with WA Sen Patty Murray; both Starbucks and Costco have been highly rated as companies to work for and both provide  medical to even many P/T employees.  (One reason there are so many P/T baristas, I’m told.)&lt;/p&gt;
&lt;p&gt;So the Starbuck’s baristas, the Costco cashiers, the teachers, cops, and firefighters are all underwriting — via ‘cost-shifting’ — the Wal-Marts and  other companies who don’t provide medical to their employees.  So everyone else underwrites excessive ER visits, and you know the drill…&lt;/p&gt;
&lt;p&gt;But how is Starbuck’s or Costco really supposed to go up against Merck or Pfizer or Premera or UnitedHealth?  Who do you think THEIR customers are…?  &lt;/p&gt;
&lt;p&gt;So the ball goes to D.C., which is in the clutch of healthCo and pharma and finance.&lt;/p&gt;
&lt;p&gt;Which is why the rest of us need to keep the pressure on!&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>Well, masaccio’s the expert, but here’s what I’ve gleaned.</p>
<p>The chances that health care reform will pass now is precisely due to the issue you point out: not only can’t many corporations and smaller businesses afford it,  but neither can state and local governments.</p>
<p>However, here’s what I’m seeing:  Wall Street still calls the shots **in D.C.** While much of the rest of the nation holds Wall Street (aka, ‘finance’) and banksters in increasingly low regard, the key decision makers inside government/DC are aligned with Wall Street.  Which badly needs the health care sector for profit maximization that is no longer coming from other, already looted or eviscerated, sectors.</p>
<p>It’s been a couple of years now, but I recall a little info about Howard Schultz (of Starbuck’s), and the  CEO of Costco meeting with WA Sen Patty Murray; both Starbucks and Costco have been highly rated as companies to work for and both provide  medical to even many P/T employees.  (One reason there are so many P/T baristas, I’m told.)</p>
<p>So the Starbuck’s baristas, the Costco cashiers, the teachers, cops, and firefighters are all underwriting — via ‘cost-shifting’ — the Wal-Marts and  other companies who don’t provide medical to their employees.  So everyone else underwrites excessive ER visits, and you know the drill…</p>
<p>But how is Starbuck’s or Costco really supposed to go up against Merck or Pfizer or Premera or UnitedHealth?  Who do you think THEIR customers are…?  </p>
<p>So the ball goes to D.C., which is in the clutch of healthCo and pharma and finance.</p>
<p>Which is why the rest of us need to keep the pressure on!</p>
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		<title>By: HelenaHandbasket</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968164</link>
		<dc:creator>HelenaHandbasket</dc:creator>
		<pubDate>Mon, 31 Aug 2009 19:49:46 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968164</guid>
		<description>&lt;p&gt;Hey, if it takes 10 years to double my premium from my individual policy from BCBS, then it would twice as long as it is increasing now. OUCH!&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>Hey, if it takes 10 years to double my premium from my individual policy from BCBS, then it would twice as long as it is increasing now. OUCH!</p>
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		<title>By: masaccio</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968156</link>
		<dc:creator>masaccio</dc:creator>
		<pubDate>Mon, 31 Aug 2009 19:36:09 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968156</guid>
		<description>&lt;p&gt;PaulaT, this is an astute observation. We generally believe that the virtue of capitalism is that every large company is both a seller and a buyer, so it has a reason to drive down the costs of its raw materials and other inputs. The other sellers are trying to increase their prices, so they push back. That doesn’t seem to be happening does it?&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>PaulaT, this is an astute observation. We generally believe that the virtue of capitalism is that every large company is both a seller and a buyer, so it has a reason to drive down the costs of its raw materials and other inputs. The other sellers are trying to increase their prices, so they push back. That doesn’t seem to be happening does it?</p>
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		<title>By: PaulaT</title>
		<link>http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968150</link>
		<dc:creator>PaulaT</dc:creator>
		<pubDate>Mon, 31 Aug 2009 19:24:12 +0000</pubDate>
		<guid isPermaLink="false">http://firedoglake.com/2009/08/31/blue-dog-health-plan-to-increase-insurance-premiums-bureaucratic-costs/#comment-1968150</guid>
		<description>&lt;p&gt;I keep wondering where the other business/corporate interests are. Why aren’t they lobbying Congress to do something considering their profits and prospects are going down the tubes to higher health insurance costs? It seems like it should be big insurance and big pharma against the rest of the business world, but apparently it is not.&lt;/p&gt;</description>
		<content:encoded><![CDATA[<p>I keep wondering where the other business/corporate interests are. Why aren’t they lobbying Congress to do something considering their profits and prospects are going down the tubes to higher health insurance costs? It seems like it should be big insurance and big pharma against the rest of the business world, but apparently it is not.</p>
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