Daily News Updates - Health Insurance News

The Proactive Health Care Approach, Pt.9 – The National Health Insurance Exchange.

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Mr. Obama’s health insurance/care approach is quite different. His approach comes from the national level. With this approach, employee-based health insurance is, not only encouraged, but it is bolstered. Unlike Mr. McCain’s plan, though, several other options are encouraged as well, such as private health insurance plans and, even public plans. Since choice is so important to most Americans and since the individual needs are so diversified, this can be seen as ‘proactive’. The reason for this is the extra work involved in offering so many diverse options. Many more unknown bases will be covered.

The new ‘public health insurance/care plan’ would be government-run, similar in some ways to Medicare. Unlike Medicare, though, this will not be limited to the elderly and poor. Trained economist and Harvard University Professor, David Cutler is the senior health care adviser for Mr. Obama. He has been quite vocal when explaining these proposals. He describes the government regulation mechanism, called the National Health Insurance Exchange. It would offer health insurance plans to the public that are similar to the ones our Congress now enjoys through the Federal Employees Health Benefits Program.

Mr. Cutler explained to FOX News: “What the national health insurance exchanges are all about is bringing the benefits of big firms to individuals and to small firms.  ”Mr. Cutler believes that, by bringing “individuals and small firms” together, the small businesses will be able to enjoy the better benefits that now are only afforded to larger companies. This will stop health insurance companies from rejecting those in poor health so readily. This is proactive.

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