Health Care Plans Are Duking It Out in the Democratic Primary

Miguel Juarez Lugo/ZUMA

The Washington Post declares today that enthusiasm for full-blown Medicare-for-All is waning:

Democrats back off once-fervent embrace of Medicare-for-all

Leaning back on a black leather sofa as her campaign bus rumbled toward Fort Dodge, Kamala D. Harris tried to explain why she spent months defending a plan to replace private health insurance with Medicare-for-all, only to switch to a more modest proposal that would allow private insurance to continue after all.

“I don’t think it was any secret that I was not entirely comfortable — that’s an understatement,” Harris said, holding a to-go cup from a Mexican restaurant at a recent stop. “I finally was like, ‘I can’t make this circle fit into a square.’ I said: ‘We’re going to take hits. People are going to say she’s waffling. It’s going to be awful.’ ” But, she said, she decided it was worth it.

So what is Harris’s plan these days? Here’s the nutshell version:

  • Anyone can immediately buy into Medicare, which will be improved in various ways.
  • A 10-year phase-in of an expanded Medicare for newborns and the uninsured.
  • Allow private insurers to offer coverage similar to today’s Medicare Advantage program.
  • “At the end of the ten-year transition, every American will be a part of this new Medicare system. They will get insurance either through the new public Medicare plan or a Medicare plan offered by a private insurer within that system.”

That’s fine. I have no argument with any of it. However, it leaves out a big issue: how much will people have to pay for it? Is it literally free, paid for entirely by taxes? Or do consumers have to pay an annual premium? Does the premium increase with income, like Obamacare? If so, what’s the top premium level? And what are the caps on copays, deductibles, and out-of-pocket expenses?

The truth is that Obamacare could basically be fixed with a couple of simple changes:

  • Higher premium subsidies all the way through the middle class, including an absolute cap of 8 percent of income no matter how rich you are.
  • Stricter rules on deductibles and OOP, which would also apply to private plans.
  • Add a public option to buy in to Medicare.

That’s it. There are other things it would be nice to fiddle with, but those three would turn Obamacare into something very, very close to a national health care plan. Whether you prefer this to Harris’s plan or Sanders’ plan is, frankly, more a matter of personality and mood than it is of actual dedication to the best possible health care. All three of them would work fine.

FACT:

Mother Jones was founded as a nonprofit in 1976 because we knew corporations and the wealthy wouldn't fund the type of hard-hitting journalism we set out to do.

Today, reader support makes up about two-thirds of our budget, allows us to dig deep on stories that matter, and lets us keep our reporting free for everyone. If you value what you get from Mother Jones, please join us with a tax-deductible donation today so we can keep on doing the type of journalism 2019 demands.

We Recommend

Latest

Sign up for our newsletters

Subscribe and we'll send Mother Jones straight to your inbox.

Get our award-winning magazine

Save big on a full year of investigations, ideas, and insights.

Subscribe

Support our journalism

Help Mother Jones' reporters dig deep with a tax-deductible donation.

Donate

We have a new comment system! We are now using Coral, from Vox Media, for comments on all new articles. We'd love your feedback.