How Democratic presidential candidates want to change health care, Medicare

health care

The presidential candidates are proposing univeral health care for all Americans. How we get there is dividing them. (Shutterstock images)

Democrats asking for your vote in Michigan’s March 10 presidential primary are proposing health care overhauls that share a common goal: movement toward universal coverage for all Americans. 

But how they get there —and pay for it — has divided the candidates and fueled heated exchanges in televised debates. 

The dispute is largely centered on whether to upend the entire health care industry by creating a single-payer Medicare for All program, or build on the so-called Affordable Care Act by creating a “public option” insurance plan that would compete with private insurers in an attempt to drive down consumer costs.

Joe Biden

Here’s where the candidates stand:

Joe Biden: The former vice president served under President Barack Obama during passage of the Affordable Care Act and wants to build on that 2010 law, primarily by creating a new government-run public option health insurance plan. He would give consumers the choice to purchase a plan “like Medicare” or stay on private insurance. Biden also wants to expand tax credits and lower premiums for families who purchase insurance on the individual marketplace. He’s proposed paying for health care overhauls, eliminating capital gains tax “loopholes” and rolling back recent tax cuts for the wealthiest Americans. Read Biden’s plan

Bernie Sanders

Bernie Sanders: The U.S. senator from Vermont isn’t just a leading proponent of Medicare for All, as he reminded during a July debate: “I wrote the damn bill.” He introduced the latest version, the Medicare for All Act of 2019 last April.  At its core, the proposal would replace private health insurance with a “universal entitlement” provided to all residents without premiums, deductibles or copays. Sanders hasn’t specified exactly how he’d pay for the single-payer health care system but has laid out a series of financing “options,” most notably an employer-side payroll tax. Read Sanders’ plan

Elizabeth Warren

Elizabeth Warren: The Massachusetts senator is one of 14 co-sponsors on the Senate bill and remains a prominent Medicare for All supporter. In an attempt to avoid middle-class tax increases, she’s outlined a financing system that relies most heavily on an “employer contribution” that would require businesses to pay an annual tax that is roughly equivalent to the amount they now spend on insurance for their employees. While she wants to eliminate private insurance, she’s proposed a multiyear transition plan that would cover children and low-income individuals for free, while allowing others to choose whether to join. The transition plan is essentially an expansive “public option.” Read Warren’s plan

Bloomberg

Mike Bloomberg: The former New York City mayor, who won’t qualify for debates because he is fully funding his own campaign, is very much in the “public option” camp. He wants to create a “Medicare-like” public health insurance plan that would be administered by the federal government but paid for by individual premiums. He also wants to expand enrollment options and cap premiums on private plans offered through the Affordable Care Act marketplace. Read Bloomberg’s plan

Pete Buttigieg

Pete Buttigieg: The former mayor of South Bend, Indiana, also is  proposing a public option insurance plan he calls “Medicare for All who want it.” Like Biden, he aims for universal coverage by creating a new government insurance plan to compete with private insurers and expanding subsidies for private insurance. He’s proposed paying for it, in part, by rolling back recent corporate tax cuts. Read Buttigieg’s plan

Andrew Yang

Andrew Yang: The New York entrepreneur says he supports “the spirit” of Medicare for All, but he’s also argued that eliminating private insurance is “not a realistic strategy.” His health care plan does not propose Medicare for All or a public option under the Affordable Care Act. Instead, it focuses on goals like prescription drug price controls, investments in medical technology and new curbs on health care industry lobbying.  Read Yang’s plan

Klobuchar

Amy Klobuchar: The Minnesota senator also wants to create a public option plan that would compete with private insurers. Klobuchar’s plan would allow people to buy into coverage through Medicare or Medicaid. She also supports expanded premium subsidies through the Affordable Care Act. Read Klobuchar’s plan

 

Steyer

Tom Steyer: The California hedge fund manager wants to create an “affordable, quality public option” for consumers that will force private health insurers to “compete on cost and quality” or risk losing customers. He also wants to expand financial subsidies offered though the Affordable Care Act. Read Steyer’s plan here

 

Tulsi

Tulsi Gabbard: The Hawaii congresswoman co-sponsored a House version of the Medicare for All legislation and argues current health care laws are organized “by and for the benefit of big insurance and pharmaceutical companies. An earlier universal health care proposal she supported proposed financing the system by increasing income taxes on the top 5 percent of earners, instituting a progressive tax on payroll and self-employment income and new taxes on unearned income and stock and bond transactions. Read Gabbard’s plan

Michael Bennet

Michael Bennet: The U.S. senator from Colorado helped develop legislation dubbed “Medicare-x” that would create a public option for health insurance, allowing consumers the choice to buy into the government system rather than private offerings.  It’d be phased in over multiple years, starting in areas where there are fewer private insurers or higher costs. Read Bennet’s plan

 

John Delaney

John Delaney: The former Maryland congressman is touting a proposal he calls “BetterCare” that would enroll every American under the age of 65 into a new government-run health insurance but allow them to purchase supplemental insurance. The plan would swallow Medicaid but he’d continue state and federal Medicaid payments to cover the cost, and he’d end tax subsidies for businesses that sponsor employee health insurance. Read Delaney’s plan

Deval Patrick

Deval Patrick with Jesse Jackson

Deval Patrick: The former Massachusetts governor, who is still running but did not qualify for the Michigan primary ballot because of faulty signatures, also supports the idea of creating a public option insurance plan through the Affordable Care Act. Read Patrick’s plan

Note: Cory Booker, Julian Castro, Joe Sestak and Marianne Williamson will also appear on Michigan’s Democratic primary ballot but have dropped out of the presidential race.

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Comments

Barry Visel
Mon, 01/27/2020 - 10:22am

We’re told social security will someday run out of money. Ditto for Medicare and Medicaid. Enough said?
But, I have a question. Where in Article 1, Section 8 did We the People give the Feds the right to involve themselves in our retirement plans and healthcare? These issues are great opportunities for news organizations to provide a little historical perspective on how we got here in the first place, not to mention some education about our Constitution and how it relates (or doesn’t) to our lives today.

Principles
Tue, 01/28/2020 - 10:31am

You should protest and not take those benefits. Don't worry, even Ayn Rand lacked those scruples.

Barry Visel
Wed, 01/29/2020 - 9:21am

Give me my money back that I was forced to pay for those “benefits” and I’ll gladly stop taking them.

middle of the mit
Wed, 01/29/2020 - 8:32pm

Okay!

Only if you are willing to accept payment for your house burning down equivalent to the total premiums you paid into said insurance company. And NO! If you have changed insurance companies you only get what you paid from the private company the premiums you paid into said company.

Do you like those insurance terms?

Or you can take your chances with a private disability company or long term retirement company and hope they don't screw you over and tell you that you don't meet their defined benefits package.

It's a crap roll. And hopefully you don't roll craps!

If you do? In a private market you might roll craps twice!