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Why the Health Care Reform Bill Will Hurt American Families


*Please note, this is an editorial and may not reflect the opinions of everyone on the Healthy Moms staff.

As I write this congress is debating and will be voting on the Health Care Reform Bill proposed by the President and House Speaker Nancy Peloci. The Democrats are doing a very good job hiding the facts on the bill from the American public. I tried to piece together as much facts as I could on this potentially dangerous reform.

According to the latest Rasmussen telephone poll taken on Friday and Saturday night 41% of likely voters favor the plan while 54% oppose. Why do so many Americans oppose the plan?

We all know that in order to pay for this bill we will have to shell out more money in the form of taxes. American citizens don’t realize it but we are already paying for the current health care system with the money that the government takes out of our paychecks. This money goes to the hospitals (for equipment and supplies listed at http://www.wasecurity.com/hospitals/) and the pharmaceutical companies. Doctors, hospitals and drug companies use the money to treat us and it appears to be free.

Today the United States devotes 0ne-sixth of its economy to medicine. If you divide that up it would cost about $15,000 per household including the contributions from employers. Instead of lowering the cost per household under this new health care reform bill families will have to pay more for their insurance than they already do. That is beneficial to both families and home health care business on the market.

Families will be forced to purchase health insurance. a family earning $54,000 will be expected to pay $9,000 (17% of pre-tax income) for the premium, co-pays and deductibles. If you don’t enroll in a health insurance program the IRS will find you and penalize you. (source Senate bill p. 345)

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The Progressives in their effort to “spread the wealth” proposed a one size fits all health plan. In other words, your benefit package will be given to you by the Secretary of Health and Human Services. If you pay for it yourself or qualify for a subsidy your benefits will be the same. Our lawmakers want to discourage health consumption based on ability to pay.

The senate bill puts a 40% tax on “Cadillac Plans” (p. 1,980). About one-fifth of employer-provided plans will fall under this category. Employers will then either downgrade their employees’ coverages to avoid the tax or lower wages in order to afford the better plan.

Doctors will not be allowed to participate in the private insurance system unless they implement the Health and Human Services regulations. The government will control your doctors’ decisions.

The health care bill will also hurt hospitals and in the long run all of us. The new regulations will put hospitals in financial distress. Staff will be cut, they will have less equipment and we will suffer.

The health care bill establishes an Independent Medicare Advisory Commission to make automatic spending reductions. Families will not get as much care as people in Medicare currently get.

You and your family will no longer have a right to privacy. Everything that happens in your doctors’ office will be required to be recorded in an electronic data base that can send the information to insurers and other medical offices. (Senate bill, p. 62-66).

According to the Republican Caucus on the Committee on the Budget, in order to pay for this expensive piece of legislation the tax hikes will be so high that people will lose their jobs, and “the expansion of entitlement spending will accelerate the nation’s march toward bankruptcy.”

” Roughly $2.4 trillion in new entitlement spending in the ten-year window once the new entitlement is implemented. $466 billion for federal subsidies to purchase government-run health coverage.
$434 in additional spending for Medicaid ($48 billion in excess spending relative to the Senate bill), a program already growing at 23 percent this year, and exacerbating cash-strapped state budgets.
$569.2 billion in new tax increases, representing the largest tax increase in history.
the largest single tax hike in the bill – $210 billion- results from a .9% increase in the Medicare payroll tax on wages for job-creators and small businesses and a new 3.8% surtax on net investment income.
The threshold amounts for these surtaxes are not indexed for inflation, meaning that although the taxes are aimed at “wealthy” individuals today, they will hit more and more middle-income individuals over time, just like the alternative minimum tax. For instance, an individual earning $100,000 today would be pushed across the $200,000 threshold within two decades, assuming a yearly inflation rate of 3.5 percent.
These new taxes will come on top of the bevy of proposed tax hikes for individuals and businesses outlined in the Administrations’ budget, amplifying the total drag on growth and job creation just as the economy is struggling to emerge from the worst downturn since the Great Depression.” (source CBO Preliminary Cost Estimate of H.R 4872, The Republican Caucus The Committee on the Budget)

I don’t want my children to have to suffer from higher taxes and fewer jobs due to this expensive unnecessary health care plan. The founders believed that the federal government should stay away from the individual rights of its citizens. I do not want my government telling me what doctor I can see or how much health care treatment my child qualifies for. I want to be able to chose the health care plan that works best for my family.

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What do you think? I value your opinion and am open for a discussion on this topic.

Related post: Jobs for Director of Nursing in Long Term Care.

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Cascia Talbert

Cascia Talbert is a devout Catholic, mother of five children, health and fitness enthusiast and positive parenting supporter. She is also the founder of the award winning online health, fitness, parenting and Christian faith magazine for moms, the Healthy Moms Magazine. She lives in the Chicago suburbs with her husband, five children and one spoiled cat. Her hobbies include gardening, country music, running, and playing her flute. Check out her first book, "Taking Care of your Family's Health and Well-being, Saints to Turn to and the Catholic Faith," available exclusively on Amazon.

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17 Comments

  1. Anonymous March 22, 2010

    i actually adore all your posting way, very helpful,
    don't quit as well as keep writing simply because it simply just worth to follow it.
    impatient to browse through more and more of your own web content, thankx 😉

  2. Kristie March 22, 2010

    I knew I didn't like this new plan, but I hadn't read too much into it. When I heard it had passed last night, I was scared about it and now that I know more it seems even worse. I don't understand how the majority of our population can be against something yet it still passes. It's sad that our elected officials are not representing us in the way they are suppose to.

  3. OilGirl March 22, 2010

    Well said Cascia! We have yet to see how this bill will affect natural medicine practitioners. The wellness industry is growing and I am concerned that the billions of dollars the government-favored pharms are losing to alternatives to drugs will bring stricter regulations down the pike for natural therapies.

  4. Cascia March 22, 2010

    People don't realize how much this bill will really effect them. The tax is supposed to be on the “wealthy” in order to cover the costs, but the people who will end up paying the extra taxes are small business owners. These small business owners will have to cut their employee's pay, benefits or lay workers off in order to afford the extra costs. It will make a negative impact on all of us in the long run.

    You can make a difference by voting in November.

    Thanks for your comments!

  5. Kimberly@PrettyPinkMomma March 22, 2010

    I think that you made some very valid points and I tend to agree with you. I am definitely not for this plan to pass. I am afraid that it will do more harm than good in the long run. I agree that something needs to change for those that need the help but I don't think that this bill will help anyone. Great article!

  6. Cascia March 22, 2010

    Thanks for your comment, Kimberly. Unfortunately the bill already passed and the President is going to sign it into law tomorrow.

    Our freedom and liberty is going to be a thing of the past unless we are able to elect officials that will represent us and not cater to special interests and big government.

    I also heard that several states are suing the federal government over this. I am looking forward to seeing how it is all going to play out in our court system.

  7. Upstatemomof3 March 22, 2010

    This is a great article! I was so upset when they did actually pass it last night. My husband, my son and I actually watched much of the live debate and discussion going on yesterday. The vote happened after my son went to bed but my husband and I watched. It was so disappointing that it went through. It is all wrong for the country in so many ways. Not the least of which is the government will now be forcing us to purchase insurance. Oh I could get all worked up if I keep going so I will stop now. 🙂

  8. Becky March 23, 2010

    Fear is a nasty thing. Being afraid of something most of us aren't really sure about isn't any better.
    Change is always hard. This bill may not be as good as it could be or will be…(I see changes being made)but something DIFFERENT has to happen. The big insurance companies cannot keep dening life saving procedures and canceling policies when care is needed. The big pharma companies can't keep the price of drugs going up and up that most cannot afford them.
    Both insurance and pharma companies are reporting record profits at the expense of us… the citizens of this great country.
    Something has to change…a big shake up has been needed for a long time. Agree or not, things have been shaken up. Everyone deserves health care and should not have to go bankrupt or watch a loved one die because a life saving measure was denied by the insurance company.
    I for one am in watch and see mode. I refuse to put my energy into the fear and smear tactics. Fear only creates more fear. I choose to focus putting my energy into positive change. Making your voice heard on election day is a great way to be heard.
    It's just a shame that politics has to get in the way!

  9. MiniMe Mom March 23, 2010

    I agree with you. I think there is so much noise it is hard to see what all is involved in this.

    Doctor's incomes dictates by the government. What smart person is going to take the time for an extra 16 years of schooling to become a brain surgeon when they can make as much as a normal family doctor?

    Who wants the IRS involved in medical care?

    Who wants to wait weeks upon weeks to see their doctor?

    The alternative is to go to the ER, which as you said, will be understaffed and broke.

    I think politicians are way out of touch on this one. Since they themselves will not be participating in this plan that is just so swell for all Americans, they should have no right to get involved in it.

  10. kortney March 23, 2010

    As a Canadian with this kind of health care already, I don't understand what the fuss is truly. Health care is a right, not a business. But that's not why I'm commenting. You say:

    “You and your family will no longer have a right to privacy. Everything that happens in your doctors' office will be required to be recorded in an electronic data base that can send the information to insurers and other medical offices. (Senate bill, p. 62-66).”

    This is already happening and has for years. As an medical transcriptionist, I can access a good portion of medical records electronically online already and listen whenever I please. However, I abide by the rules and guidelines and simply do my job – I don't share private information or look it up as I please. I write my report and move on. An electronic database is much smarter than paper – this way doctors can access health information from other places in the past and help you out. This is actually the biggest way that America is far ahead of Canada in terms of health care – I do work for an American company and wish Canada was more up to speed in this way.

  11. Cascia March 23, 2010

    Great points, Becky and MiniMe Mom. i believe that something has to be done with our health care system but the government is doing it all wrong with this new law.

    I heard that several states are filing lawsuits because it is unconstitutional and violates states' rights. I also know based on recent polling data that a majority of Americans dislike the new law.

    I can't wait to see what happens.

    Thanks for all your comments!

  12. Kelly March 24, 2010

    Legislative hopes and dreams don’t always stand up well against economic realities.

    Frustratingly, this legislation does not deal at all with the real reasons access to healthcare is a struggle for so many – the astronomical costs. If tort reform was seriously discussed, if the massive regulatory burden on healthcare was reduced and reformed, if the free market was allowed to function and apply downward pressure on healthcare costs as it does with everything else, perhaps people wouldn’t be so beholden to insurance companies in the first place. If costs were lowered, more people could simply pay for what they need out of pocket, as they were able to do before government got so involved. Instead, in the name of going after greedy insurance companies, the federal government is going to make people even more beholden to them by mandating that everyone buy their product! Hefty fines are due from anyone found to have committed the heinous crime of not being a customer of a health insurance company. We will need to hire some 16,500 new IRS agents to police compliance with all these new mandates and administer various fines. So in government terms, this is also a jobs bill. Never mind that this program is also likely to cost the private sector some 5 million jobs.

  13. MiniMe Mom March 24, 2010

    Here is the other thing.

    It annoys me that people act as if the 32 million people without health insurance are left on the side of the street to die.

    Treatment for all is already required by existing laws– no one can be refused life saving treatment.

    Is the way we pay for that ideal? NO. Is it ideal that people go to the ER for a common cold? NO However, adding MORE tax burden and higher premiums to the mix will certainly not help it.

    Medicare denys nearly ten times the amount as private insurance companies. Ask any Doctor who treats Medicare Patients, if you can find one who will. They are few and far between, and will become fewer every day.

    It will then be a matter of people paying out of pocket, and guess what? My bet is there are more than 32 million people that will be able to do that.

  14. Kimberly March 26, 2010

    H.R. 3590 is very lengthy; it is some 906 pages long, depending on which version as there are several floating around. I am still not sure of which one that was passed by the house. One has to actually read the bill in order to understand exactly what is in it. The summaries are useless. For example, the summery that there is a religious exemption does not state the restrictions that are in place. It has to be a recognised by the state religion that has an history of objections. About the only religions that would fall under the religious exempt would be the Amish and the Church of Scientology.

    The bill is primarily an insurance bill, which is strange for a health care reform bill. Health care insurers do not provide health care and they never have. Health insurance simply is a risk base business that helps a person to offset costs of getting sick. Over the years, people started abusing the health insurance part of health care since they were able to buy into group rate plans at their place of employment. Since people were billing insurance companies for going to a doctor with the common cold, they were forced to raise premiums to offset their increase payouts. Hospitals jump on the billing insurance bandwagon and even started refusing to treat people without insurance. Hospitals started overcharging for many items of health care since it was billed to the the insurance companies. Therefore, health insurers had to start including restrictions on what they would pay. This made them seem to be the bad guys when the corporate for=profit hospitals were the real bad guys.

    Health care reform is needed in the states, but unfortunately, the corporate for-profit health care system brought off Obama and Congress. Remember when Obama told Congress not to pass the provision that would have lowered the cost of prescription medicines?

    The health care insurers did not really mind all the little bits in the bill that would force them to pay out more claims because Obama and Congress are going to force everyone to buy insurance; this was a win deal for the health care insurers. Both the health care insurers and for-profit healthcare corporations stock went UP after the bill was passed because it was seen as great for business.

    If everything else in the bill was perfect, the mandate would still make it a horrible bill. Congress does not have the power to force US citizens to buy a product for a private company. If the Supreme Court allows this to stand, then it will open the door to future mandates. Think about it; say General Motors is having a slump, no problem, Congress will just pass a mandate that everyone has to buy a new car every year. Corporations have been silently taking control of the government for many years, and this is now icing on the cake. It is imperative that H.R. 3590 be declared unconstitutional so that the freedoms of US citizens are not trampled upon any more than they already are.

  15. Anonymous April 14, 2010

    “The health care bill will also hurt hospitals and in the long run all of us. The new regulations will put hospitals in financial distress. Staff will be cut, they will have less equipment and we will suffer.”

    I don't know what to believe about the effects this will have on our economy, but I know that this blog post is full of opinions trying to be passed off as fact.

    Critical thinking is rare, especially on blogs, and your post is a great example of that. It's time to shed your party, stop listening to your old cynical father and start thinking on your own.

  16. Anonymous July 28, 2010

    “…we are already paying for the current health care system with the money that the government takes out of our paychecks. This money goes to the hospitals and the pharmaceutical companies. Doctors, hospitals and drug companies use the money to treat us and it appears to be free.”

    Could you please provide a little more detail here? Do you mean social security and medicare or are you talking about research subsidies or tax breaks? A reference and/or link to something concrete like budget numbers would help.

    “Today the United States devotes 0ne-sixth of its economy to medicine. If you divide that up it would cost about $15,000 per household including the contributions from employers. Instead of lowering the cost per household under this new health care reform bill families will have to pay more for their insurance than they already do.”

    You need to be a little clearer on what you mean here. By “economy” do you mean GDP? If so, that describes something a little different than the amount of money Americans spend on healthcare. There's a possibility you MIGHT mean the Federal budget, but that is not the same as the economy and I think it's very important not to confuse those two terms.

    I am not a fan at all of this legislation, but what you wrote is vague on supporting facts and references and needs to be fleshed out more to be a truly solid argument. Other than that, I admire your passion for the topic.

  17. Cascia July 28, 2010

    Anonymous,

    I am so sorry that you don't approve of my writing. I did put a lot of research into this article. I am a busy stay at home mom, not a professional journalist.

    I am hurt because your comment was so negative. If you are looking for an article with more detail and references then you should read articles written by professional journalists.