Senator Obama's healthcare plan

The healthcare plan discussion at tonight's presidential debate made it worse for Main Street. No one can make heads or tails about it. It was all dark clouds spinning overhead.

As portrayed by Senator Obama, his plan is a nightmare that should be prevented at all costs. It is not right to simplify such a critical issue by providing credit deductions, exemptions, etc. I am concerned that he is laying out a plan with limited knowledge and understanding of the healthcare industry. Senator McCain makes better sense by providing resources to the public through wellness and nutrition centers, community clinics and partnering with the insurance companies and private sector to provide public health education.

The rising cost of healthcare is best handled by holding the consumers accountable for managing their health. The consumer should be held financially responsible beyond copays. Sharing the cost encourages the consumer to be health-conscious and providing a $5,000 healthcare credit seems more practical. Moreover, health insurance companies in partnership with the states and various associations are now doing a great job educating the public on ways to bring down healthcare costs.

What drives insurance costs up are the claims that are submitted in great numbers which for the most part were not necessary. If everyone takes responsibility for a healthy lifestyle, there will be far less numbers of people utilizing emergency care for conditions that could have been prevented. However, the convenience of having insurance coverage with a low copay, for example, facilitates the consumption of medical services.


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