July 3, 2009
Posted: July 3rd, 2009 01:30 PM ET

From

NEW YORK (CNNMoney.com) - It is one of the touchiest issues in the health care debate: Would a government-run health plan upend the employer-based health insurance system used by 160 million Americans?

Senate Democrats behind a key proposal released Thursday say the answer is no.

Sens. Edward Kennedy, D-Mass., and Chris Dodd, D-Conn., say their plan would preserve employer-sponsored insurance coverage and create an affordable public option for those who need it.

"The ... bill virtually eliminates the dropping of currently covered employees from employer-sponsored health plans," Kennedy and Dodd said in a letter to members of the Health Committee, one of two Senate groups working on health reform.

The bill includes a "pay or play" provision that would require employers to provide adequate coverage for their workers or subsidize a system that will.

Full story

Filed under: CNNMoney.com • Health care


mike   July 4th, 2009 10:35 am ET

No wonder the republicans will keep on losing.

kishen c.rao   July 3rd, 2009 6:31 pm ET

stop being Greedy....I don't care, we americans need "government run health care". period. we do not care what chase does...pres. obama, please fix this health care mess from these greedy idiots....save the nation...god bless you....

phoenix86   July 3rd, 2009 6:09 pm ET

Kennedy and Dodd, two corrupt and incopetent politicians. I work in the private sector (Obama hasn't torched my company yet) and I know that my company has already planned to jettison the employer paid insurance as soon as the "government option" appears.

This is simple economics. Something beyone Kennedy, Dodd, Obama, Pelosi, Reid, etc.

Get ready Americans still working, your company health care benefit is GONE when ObamaCare-less becomes reality.

dreamer   July 3rd, 2009 5:58 pm ET

all things evolves,Insureance companys will do the same.all they really need to do is change the type of insurance and pay only for the xtra pert insurance coverage.

Allen in Hartwell GA   July 3rd, 2009 5:42 pm ET

I can only speak for myself, but I'd much rather have a government run health care plan that would never be canceled than have an employer-paid plan that depended on me keeping that job. The extra taxes would be worth the piece of mind.

annie s   July 3rd, 2009 5:42 pm ET

I fully support a public health option for two reasons. First, it would help create a competitive environment in which the for-profit insurers would have to reduce costs, and second, because it would ensure that those people who currently can not find a for profit insurer, whether due to high costs, age, pre existing conditions or self employed status, would finally have access to affordable health care.

We   July 3rd, 2009 5:23 pm ET

People's Voice-!??
"If a public option is such a bad idea, then why are their lobbyists spending so much money trying to stop it"

Because it steals your right to choose & decide for Your Self! Because it steals your right to Privacy! It Steals Your Right To Live Your Own Life-It Steals Your Liberty,It Steals From You Your Absolute Freedom-It steals it all-Absolutely!

The government wants your money,The government wants to dictate and control you and your life.The government wants you to be slave to the Government!!

Our troops are not out there fighting for liberty and freedom for others so Obama can reduce us to third world status and the dictatorship rule of those they fight & die for.If we allow this Usurper to destroy our country were will we go for freedom? Freedom is Life-Living,we cannot allow it to be stolen from us by this Arab stranger who only has a gift of speech. Speech-words..and in His case empty words.Wake up my friend,wake up...

"People's Voice"? No no,you do not speak for the people of freedom. Not yet.Wake up-stand up for your freedom.We need you too...

MCD, San Francisco, CA   July 3rd, 2009 5:19 pm ET

The politicos need to understand... polls show the MAJORITY of the American People WANT some kind of gov-run health care plan. Stop listening to lobbyists and do your job!!!!!

John McCathrin   July 3rd, 2009 5:14 pm ET

Some of the comments I have read make about as much sense as hair on a bowling ball.
YOU PEOPLE NEED TO STOP ANT THINK !!!
One day you too will be retired living on a fixed income, what about your
health care than ????
or do you expect the GOVERNMENT to take care of you all your life ???
Good ole Socialism strikes again.
The Government has already nationalized the banking industry, which
obviously is of little concern and now we have National Health Care
which has been proven by other Nation's NOT TO WORK.
I hope that all you supporters of this health care issue don't need the services of a physician in the near future. Good luck making an appointment.

Jonathan   July 3rd, 2009 4:50 pm ET

“The best argument against democracy is a five minute conversation with the average voter.” – Winston Churchill

These replies demonstrate Churchill was right. You could be doing as I am, and get off the warranty program and actually just get insurance. Don't get insurance for your family doctor, instead get a high deductible plan for when you really can't afford the bills. For those saying we don't have great health care, you're wrong. We do have the best health care in the world. What we also have is a lot of fat, stupid, and unhealthy people. America's high rate of diabetes and heart conditions are not due to poor medical care. Have you seen Wall-E? It seems that is where we are headed.

Also, ignoring the constitution is crazy. We need a constitutional republic instead of a democracy. Democracies are horrible.

"A democracy is nothing more than mob rule, where fifty-one percent of the people may take away the rights of the other forty-nine." – Thomas Jefferson

As a federal employee, if they make me go to this idiotic public plan, then I won't be working for the government long.

We   July 3rd, 2009 4:50 pm ET

The one thing destroying our economy and preventing a true recovery is BH Obama and his minions.His policies will be the bankruptcing and enslaving of both Our Country and It's Peoples-US! Osama Bin Laden Targeted the Two Tower as a symbol of his desire for destruction of The Economic Power of The United States Of America. BH Obama is succeeding in doing that job for them from within.It appears he wants to take us down to third world status and dictator rule alomg with others that he bows down to.We are losing our country's wealth,businesses- jobs and his cap & trade policy (tax & kill) will obliverate any chances of economic recovery what so ever.We will all be slaves,no money,allotted limited food & resources only be favor of the dictator.Medical care you'll have only what they allow.They will decide and choose everything for you-even if you suffer, live or die; Everything things folks-if we allow this to happen. We must stop this and the robbery of American businesses and our people-All of Us! This is the destruction of Libery and Freedom. Haven't we already had enough? How much do you want to say nothing about before you stand up and say "No!NO MORE!" We must take back our country.We must Stand up-Speak up and out! Say NO!

D. Tree   July 3rd, 2009 4:16 pm ET

Americans deserve a choice: private insurance or a public option.

It makes sense and its time for it to happen in our country.

Its all about choice. We should have the option if we want it.

Jeff Barea   July 3rd, 2009 3:51 pm ET

Why don't they just make Medicare/Medicaid available to everyone.

Problem solved, right?

Mike   July 3rd, 2009 3:49 pm ET

The greed from big insurance is what bought this on, not Obama.

Y   July 3rd, 2009 3:45 pm ET

My employer provides a good health coverage. And employer pays about 15% of my salary for this coverage - this is separate from my portion of payment for the health care. If I decline insurance, I will not have a deduction from the paycheck, but I will not get the amount my employer is contributing. So how is this different from a mandatory yet non-universal and unequal tax?
While my employers contribution is 15% of my salary, it must be much more than that for many employees with lower salaries.
I would trade this situation for a 15% salary raise and a universal healthcare tax, say, 10%. This should be enough to provide basic healthcare for everyone in the country. The remaining 5% as well as my current contributions could be used for higher level of coverage if desired.

The only problem I see with something like this is a difficulty and cost of the transition. But the point is that even those of us who have good health coverage are paying tons of money for it. We just don't see these payments in the same way we see taxes; but there is really no difference. In the long run both those without health coverage and those with it will benefit from universal public health care option.

Maybe some insurance companies will go out of business - I do not care. I am paying for healthcare to guarantee my health not their high profits. And there will be sufficient demand for higher levels of coverage to guarantee both the choice and competition amongst surviving insurance companies (those satisfied with modest profits).

Seth   July 3rd, 2009 3:43 pm ET

This health reform, will break the backs of alot of employers. Its not made for the corporations that are small and barely making it, its for this administration to look good. Sheesh let get real.

novela   July 3rd, 2009 3:35 pm ET

As an HR Director that negotiates health benefits for our employees, I would be interested to learn more about the pay or play approach. The current system does not work. We got a 19% increase in 2008 and a 16.7% increase in 2009. We pay 95% for employees but only 25% toward dependent coverage and we have many staff who can no longer afford coverage for their families.

Rates have hit $524 a month for a single employee and over $1200/mo for a family. Medical providers are subsidizing low medicare payments and free services for the uninsured by raising prices on the only folks paying...employers and employees.

At this point, competition from gov't that will have more people paying into the system, may actually reduce the cost for employers. The current approach is unsustainable.

Zero.   July 3rd, 2009 3:18 pm ET

they always say the opposite, to what they mean. The USA is up for sale, obama want's you broke.

Joe Terrogano   July 3rd, 2009 3:04 pm ET

Ever since "managed care" was instituted in the 1980's, health care has been a corporate deal. The drug companies and the insurance companies spend tons of money tp lobby against health care reform. They have kicked out the ill and made profits all these years, on your back. Pharmaceutical companies are subsidized by the government, make record profits, and have raised your medication costs astronomically. Wake up America! Conservatives are pro-business, not pro you! They want the status quo for profits. How much stock do you have in Pharmaceuticals? Without a competing government plan, costs will continue to rise because they have a MONOPOLY!

Shane   July 3rd, 2009 2:38 pm ET

If the government would just regulate the greed-centric soaring costs of healthcare, there would be no need for reform. There's no reason healthcare should cost more today than it did ten years ago — the quality of care certainly isn't any better. If the healthcare industry doesn't stop robbing the American people, the government will step in after too much uproar from constituents.

People's Voice   July 3rd, 2009 2:35 pm ET

The greedy insurance companies know their days are numbered. If a public option is such a bad idea, then why are their lobbyists spending so much money trying to stop it.

Bye bye greedy ones.

Sir Elwayne   July 3rd, 2009 2:19 pm ET

Colin Powell now sees the danger of the "scratch my black and I'll scratch yours" political endorsement.

Chipster   July 3rd, 2009 2:18 pm ET

For the 4th year in a row, I've had to change doctors because the my company changed insurance companies again. This involves moving records and often repeating exams and tests. My husband was going for his last exam before having surgery when we switched but his surgeon is not "In Network." Now, he must change doctors and start over. The previous insurance company increased their rates by 84%!

And you think tort is a problem? Lawsuits and awards have decreased while insurance companies soak us, not "tort" but maybe more like ex"TORT'ion!

S M R   July 3rd, 2009 2:10 pm ET

The idea of government health care is to eventually eliminate the monopoly the Insurance companies have on us. The current system allows ceo's and others to recieve huge salaries and bonuses. The Party of NO want it just the way it is so they can recieve kick backs from lobbiests and special interest groups which drive the prices high.

Results not Rhetoric   July 3rd, 2009 2:10 pm ET

The answer to health care insurance reform is a public plan that provides very structure, well defined, limited services to the un-insured.

On this subset of the services offered by private insurance companies, preventive care ... Would be the focus ... physicals, mamagrams, pap snears and streamlined surgury ... for cancer, heart dieses, pregnancy, etc.

Not everything should be covered, but pricing pressure would be exerted on those proceedures in this limited basic health plan.

The key to employers not dropping their more comprehensive plans would be a need to stay competitve in the labor market. This "bare bones" gov plan will be ulitarian and basic.

angela klassen   July 3rd, 2009 2:04 pm ET

Here's another way to look at it; employees are not getting a freebee from businesses when they are enrolled in a health care plan 'paid for by the employer'. The workers generate the income to pay for the health insurance plan for the business, through their efforts. If there was no health care plan, the business would be able to pocket, as (taxable) profit, what is now used for health insurance. The employer acts as a conduit, really, from the employee group to the health insurance company.

democrat no mas   July 3rd, 2009 2:03 pm ET

We're exempt as a small business if we have less than 25 employees? Only gotta fire 5 more an we're home free.

Shingo from CA   July 3rd, 2009 2:01 pm ET

No it is even silly to entertain the idea would pay or play chase away employers. Employers have one major charateristic: and that is to make money. They may not like the new way encroaching on their greed but they will still continue business.

Nothing 'Stand Up' about Sen. John Ensign (R-NV)   July 3rd, 2009 2:01 pm ET

Thank goodness that very soon we will have another Democratic senator, and one who will make healthcare reform in this country a priority.

We're counting on you Senator Franken!

haren   July 3rd, 2009 1:56 pm ET

This is for Hannity.
Please educate yourself USA does not have best health care in the world.
Our # is 37th in the world and spending for health care (looting by insurance co.) per person more than any other country
Canada has better health care than us and actually American's are traveling to Canada for medical treatment.

worriedmom   July 3rd, 2009 1:53 pm ET

Why should we listen to anything Dodd or Kennedy has to say. Both are crooks, liars (proven!!!) and each one could really care less abuot health insurance. Dodd is only doing this to try to win re-election.
Before we start any health reforn, cap and trade or anything else the first and important thing we need to do, is rid Congress of ALL crooks and liars and hold responsible those who helped create all this Mess. Some of you nutcases can continue to blame Bush for it all, but who was in charge of Congress (majority) You got it, DEMOCRATS. So when you want to throw blame, look in your own home first. I am a Republican and agree that Bush was part of this mess, but the man was not the total part of it. Let's weed out all the BAD in Congress, starting with the 2 above and keep going!!! Time for the PEOPLE to be represented and not for these old goats to keep lining their pockets with perks and power

carlos   July 3rd, 2009 1:44 pm ET

The Bluedogs have got to go. This is not the option we seek.

ol cranky   July 3rd, 2009 1:41 pm ET

employers are filling their ranks with contractors to avoid paying benefits (including, but not limited to health insurance) to employees as it is

how long until collapse?   July 3rd, 2009 1:33 pm ET

too many forces pulling down on the system

matter of time until the health care prices itself out of existence

before that some nice families will be forced into bankruptcy by the healthcare industry

need to change the system now

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