Posted by: shannynmoore | September 9, 2009

President Obama’s New Health Care Reform Plan

The Obama Plan: Stability & Security for all Americans

“It will provide more security and stability to those who have health insurance. It will provide insurance to those who don’t. And it will lower the cost of health care for our families, our businesses, and our government.”

– President Barack Obama

If You Have Health Insurance

More Stability and Security

  • Ends discrimination against people with pre-existing conditions. Over the last three years, 12 million people were denied coverage directly or indirectly through high premiums due to a pre-existing condition.  Under the President’s plan, it will be against the law for insurance companies to deny coverage for health reasons or risks.
  • Limits premium discrimination based on gender and age. The President’s plan will end insurers’ practice of charging different premiums or denying coverage based on gender, and will limit premium variation based on age.
  • Prevents insurance companies from dropping coverage when people are sick and need it most. The President’s plan prohibits insurance companies from rescinding coverage that has already been purchased except in cases of fraud.  In most states, insurance companies can cancel a policy if any medical condition was not listed on the application – even one not related to a current illness or one the patient didn’t even know about. A recent Congressional investigation found that over five years, three large insurance companies cancelled coverage for 20,000 people, saving them from paying $300 million in medical claims – $300 million that became either an obligation for the patient’s family or bad debt for doctors and hospitals.
  • Caps out-of pocket expenses so people don’t go broke when they get sick. The President’s plan will cap out-of-pocket expenses and will prohibit insurance companies from imposing annual or lifetime caps on benefit payments. A middle-class family purchasing health insurance directly from the individual insurance market today could spend up to 50 percent of household income on health care costs because there is no limit on out-of-pocket expenses.
  • Eliminates extra charges for preventive care like mammograms, flu shots and diabetes tests to improve health and save money. The President’s plan ensures that all Americans have access to free preventive services under their health insurance plans. Too many Americans forgo needed preventive care, in part because of the cost of check-ups and screenings that can identify health problems early when they can be most effectively treated. For example, 24 percent of women age 40 and over have not received a mammogram in the past two years, and 38 percent of adults age 50 and over have never had a colon cancer screening.
  • Protects Medicare for seniors. The President’s plan will extend new protections for Medicare beneficiaries that improve quality, coordinate care and reduce beneficiary and program costs.  These protections will extend the life of the Medicare Trust Fund to pay for care for future generations.
  • Eliminates the “donut-hole” gap in coverage for prescription drugs. The President’s plan begins immediately to close the Medicare “donut hole” – a current gap in its drug benefit – by providing a 50 percent discount on brand-name prescription drugs for seniors who fall into it.  In 2007, over 8 million seniors hit this coverage gap in the standard Medicare drug benefit.  By 2019, the President’s plan will completely close the “donut hole”.  The average out-of-pocket spending for such beneficiaries who lack another source of insurance is $4,080.

If You Don’t Have Insurance

Quality, Affordable Choices for All Americans

  • Creates a new insurance marketplace – the Exchange – that allows people without insurance and small businesses to compare plans and buy insurance at competitive prices. The President’s plan allows Americans who have health insurance and like it to keep it.  But for those who lose their jobs, change jobs or move, new high quality, affordable options will be available in the exchange.  Beginning in 2013, the Exchange will give Americans without access to affordable insurance on the job, and small businesses one-stop shopping for insurance where they can easily compare options based on price, benefits, and quality.
  • Provides new tax credits to help people buy insurance. The President’s plan will provide new tax credits on a sliding scale to individuals and families that will limit how much of their income can be spent on premiums.  There will also be greater protection for cost-sharing for out-of-pocket expenses.
  • Provides small businesses tax credits and affordable options for covering employees. The President’s plan will also provide small businesses with tax credits to offset costs of providing coverage for their workers.  Small businesses who for too long have faced higher prices than larger businesses, will now be eligible to enter the exchange so that they have lower costs and more choices for covering their workers.
  • Offers a public health insurance option to provide the uninsured and those who can’t find affordable coverage with a real choice. The President believes this option will promote competition, hold insurance companies accountable and assure affordable choices. It is completely voluntary.  The President believes the public option must operate like any private insurance company – it must be self-sufficient and rely on the premiums it collects.
  • Immediately offers new, low-cost coverage through a national “high risk” pool to protect people with preexisting conditions from financial ruin until the new Exchange is created. For those Americans who cannot get insurance coverage today because of a pre-existing condition, the President’s plan will immediately make available coverage without a mark-up due to their health condition. This policy will offer protection against financial ruin until a wider array of choices become available in the new exchange in 2013.




  1. I am so proud of our President. I also hope the guy who shouted Lie is censured. South Carolina can really pick em!

  2. You can easily find Rep Joe Wilson’s (R-SC) email address and let him know what you think of his rude interruption. I did.

    • Thank you for the suggestion, David. Wilson’s Web site was flooded and unavailable, but I Googled his online contact info and sent him an email message that way.

  3. We’ll need to reelect these jerks in order to make sure their handy dandy plan isn’t scuttled, as the announced start date is four years from now. We also had the pleasure of Obama using the lame excuse that we don’t want to disrupt 6% of our economy by wiping out the insurance industry just to implement Single Payer.

    Well, it’s time for Kucinich’s HR676, right?

  4. I think the president did very well with his speech. I truly was impressed.

    Rep. Joe Wilson is a jerk of the 1st order and yes I did send an email, not sure if it will get thru as is still “down for maintenance”! It went down shortly after the speech.

  5. Rob Miller, joe wilson’s upcoming opponent is at 1100 hits with $38,000 going up quickly!

  6. There is still a löt of work to do, but he is laying a foundation and he is not backing down. Let´s not critcize him when he might not be the first one to try this, but he will be the first to pull a decent reform off.
    Don´t expect it to solve all the problems, don´t expect it to be implemented in a flash. He is a very reasonable man and that is what is needed. Thankyou President Barack Obama (I can´t say that often enough, it sounds so sweet!)

  7. There is still a löt of work to do, but he is laying a foundation and he is not backing down. Let´s not critcize him when he might not be the first one to try this, but he will be the first to pull a decent reform off.
    Don´t expect it to solve all the problems, don´t expect it to be implemented in a flash. He is a very reasonable man and that is what is needed. Thankyou President Barack Obama (I can´t say that often enough, it sounds so sweet!)
    BTW I love your blog!

  8. Great speech last night. And yet again a Republican proves that their party is a bunch of sore losers. My dad always taught me it was better to keep your mouth shut and be thought a fool, than to open it and remove all doubt. Joe Wilson did a great job of removing all doubt.

  9. Shannon, that’s an excellent summary — possibly the best I’ve seen, anyway. Thanks.

  10. It was a great speech and I was shocked by the disrespect some members of congress showed the president.

  11. Anyone reading The Trilogy by JRR Tolkien will remember Shelob’s Lair.

    Basically- a large spider, lying in wait, and bending victims to her will.

    There is something starkly similar to Sarah Palin’s “Cut and Run” tactics as she hides in her cave- emerging only in the dark to suck the light from her victims…

    From Wikepideia…

    “Shelob’s lair was along the path that Sam Gamgee and Frodo Baggins took while travelling to Mount Doom. Her spider-silk, which was spun in both rope and cobweb form, was strong and cleverly made, trapping those who walked into it. Shelob had encountered Gollum during his previous trip to Mordor, and he apparently worshipped her after his fashion. The Orcs of the Tower of Cirith Ungol called her “Shelob the Great” and “Her Ladyship,” and knew of Gollum’s relationship with her (they referred to him as “Her Sneak”). Sauron himself was aware of her existence, but left her alone, as she was a useful guard on the pass. He occasionally sent her prisoners for which he had no further use.”

    Now that sounds like a Murdoch-Palin symbiosis… or is it host-parasite?

    And yet another response from SP to last nights Obama speech…

    “Finally, President Obama delivered an offhand applause line tonight about the cost of the War on Terror. As we approach the anniversary of the September 11th attacks and honor those who died that day and those who have died since in the War on Terror, in order to secure our freedoms, we need to remember their sacrifices and not demonize them as having had too high a price tag.”

    I just want to say- WTF???

    How does he “demonize” our troops? She is a POS and I look forward to when the worm turns for her- and she is finally confronted by someone- face to face.

  12. Even better than emailing Wilson, donate to his opponent! I did. go to and donate to Rob Miller. If we do this every time they act like jackasses (we’ll be broke) maybe someday they’ll get the message!

  13. As of now 4,493 Supporters, $156,590 Raised for Rob Miller @

    As for Joe Wilsons site:
    “Joe Wilson
    Due to exceptionally high traffic, this site is temporarily unavailable.
    Please come back shortly.”

    Therefore, do both Lynne

  14. Something that isn’t being hi-lited — and must be. President Obama stated that No abortions, FOR ANY REASON, will be financed by federal dollars.

    Let’s look at that. Unemployed, low-wage and indigent people will be entirely dependent on health care provided by federal monies. No abortions. Not for rape, incest, toxic pregnancy.

    Middle class people will use the national insurance pool. Federal dollars will run this system, and part of the cost of the health care will be covered by public monies. No abortions will be covered. Not for teenagers who need to attend college, not for abused partners, not for catastrophic events. NO abortion, for any reason.

    Larger companies and some citizens will purchase private insurance. The government is now setting the standard of care, which does not include coverage for abortions. Abortion will be excised from private insurance, on the grounds that it isn’t required to be legally competitive.

    President Obama just gutted women’s health care, and threw half the population under the bus with the GLBT community. He declared that an ancient fringe religion would be used as a template to limit our reproductive health.

    Nobody is talking about this. I think they should.

  15. Didn’t I hear that the purchase of health insurance would be mandated and that those that did not would be fined?

  16. Health care or not, I’m partisan to a president that can lower my taxes and fix what the housing market “greed” created… Just get the job market back up and avoid more scams…

  17. I hope that this health care bill is as good as the president says it is.

  18. all those republican congress-people who are against ordinary americans from having affordable and available health insurance should have to give up the cushy coverage they enjoy at our expense. my husband has crohns disease, can’t work, we will be able to cobra his health insurance for 18 months and then what? still trying to get on social security disability (that takes 2 years of applications and appeals). once he is accepted then its a 2 yr mandatory waiting period to get on medicare. meanwhile the cobra will run out. we are not alone. there are millions of people in situations similar to this. we need help.

  19. Since the Republicans don’t want a public option, we should take away their health insurance public option (Congressional Health Ins) and make them buy health insurance on the free market.

    Hey, if it’s good enough for the country, it’s good enough for them!

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