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Obama hits McCain on Medicare

Posted by Foon Rhee, deputy national political editor October 17, 2008 01:03 PM

In a new TV ad and the latest version of his stump speech, Barack Obama broadened his critique today of John McCain's healthcare plan, warning that it would mean cuts to the existing government health programs for the poor and elderly.

Obama cites a Wall Street Journal article earlier this month that stated: "John McCain would pay for his health plan with major reductions to Medicare and Medicaid, a top aide said, in a move that independent analysts estimate could result in cuts of $1.3 trillion over 10 years to the government programs. The Republican presidential nominee has said little about the proposed cuts, but they are needed to keep his health-care plan 'budget neutral,' as he has promised. The McCain campaign hasn't given a specific figure for the cuts, but didn't dispute the analysts' estimate."

Obama has already been criticizing the centerpiece of McCain's plan -- a $2,500 tax credit for individuals and $5,000 for families -- because it would be offset by requiring workers to start including in their taxable income the value of insurance coverage paid by their employers.

In the ad, the announcer says, "John McCain’s healthcare plan: first we learned he’s going to tax health care benefits to pay for part of it. Now the Wall Street Journal reports John McCain would pay for the rest of his health care plan 'with major reductions to Medicare and Medicaid.' "

"Eight hundred and eighty-two billion from Medicare alone," the announcer continues, as images of seniors are shown. "Requiring cuts in benefits, eligibility, or both. John McCain, taxing health benefits, cutting Medicare. We can’t afford John McCain."

Obama piggybacked on the ad in a speech this afternoon in Roanoke, Va.

"Senator McCain has been eager to share some details of his healthcare plan – but not all," he said at a rally yesterday in Roanoke, Va. "Like those ads for prescription drugs, you have to read the fine print to learn the full story....First, we found out that he wants to pay for his plan by taxing your health care benefits for the first time in history, just like George Bush. That was bad enough. But the Wall Street Journal recently reported that it was actually worse than we thought. It turns out Senator McCain would pay for part of his plan by making drastic cuts in Medicare -- $882 billion worth -- $882 billion in Medicare cuts to pay for an ill-conceived, badly thought through healthcare plan that wouldn't provide more healthcare to people, even as Medicare already faces a looming shortfall.

"Now, this should come as no surprise – it’s entirely consistent with Senator McCain’s record during his 26 years in Congress where time and again he’s opposed Medicare. In fact, Senator McCain has voted against protecting Medicare 40 times -- 40 times, he’s failed to stand up for Medicare. So what would Senator McCain’s cuts mean for Medicare at a time when more and more Americans are relying on it? It would mean a cut of more than 20 percent in Medicare benefits next year. If you count on Medicare, it would mean fewer places to get care, and less freedom to choose your own doctors. You’ll pay more for your drugs, receive fewer services, and get lower quality care. I don't think that's right. In fact, it ain't right.

"When you’ve worked hard your whole life, and paid into the system, and done everything right, you shouldn't have the carpet pulled out from under you when you least expect it and can least afford it. It ain't right. Healthcare shouldn't be some kind of either-or tradeoff where our seniors get left out in the cold. It ain't right."

"I think every single American has a right to affordable, accessible health care. So we can strengthen Medicare by eliminating wasteful subsidies to big HMOs in Medicare, making sure seniors can access home-based care, letting Medicare negotiate with drug companies for cheaper prices on their drugs.That’s the kind of change we need."

UPDATE: The McCain campaign issued a response via a statement from senior economic adviser Douglas Holtz-Eakin:

“Barack Obama’s health care plan is a prescription for economic disaster that is being sold to the American people with the same deception, half-truths and distortions typical of his attacks on John McCain. While Barack Obama complains about any scrutiny of his record whatsoever, the airwaves are flooded with Obama’s lies and distortions about the McCain health care plan -- which according to independent groups would leave middle class Americans better off. Senator Obama refuses to explain his plans to fine firms and parents, and the Wall Street Journal reports ‘the campaign has no plans to answer that question before Election Day on Nov. 4.’ It gets worse: Barack Obama’s secret fine is essentially a small business tax on employment, and during an economic downturn, it’s a risky double-down on economic disaster that leaves hardworking Americans taking the hit.”

Added McCain spokesman Tucker Bounds: “Unlike Barack Obama’ risky plan, John McCain’s plans for health care do not punish struggling businesses with fines and taxes, and they certainly do not cut a single benefit for Medicare or Medicaid – Obama is simply lying. It’s absurd for Barack Obama to label John McCain’s plans to trim spending for Medicare and Medicaid as ‘drastic cuts,’ only to then say that his own plans to make cuts will ‘strengthen’ those programs. For Barack Obama to talk about the hope of America and then proceed into misleading and hypocritical accusations only underscores what voters already know: Barack Obama is not who you think he is.”


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Run this ad in a state with older populations like Ohio and Florida and McCain will go down in flames.

Posted by joseph marcucilli October 17, 08 10:23 AM
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AMEN

Posted by daniel lynch October 17, 08 10:25 AM
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I would like to know exactly what he is suggesting towards insurance taxes
and how employers can drop their coverage for employees at any time.
Please forward the exact wording on these 2 issues.

Thank you.

Posted by Gayle Smalling October 17, 08 10:38 AM
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It'd be sixes...Obama beefs up Medicare, then raises taxes on everyone making $250K or more, then the rich pass the costs on to the middle-class employees.

McCain cuts Medicare benefits but lowers taxes on anyone making $250K or more...then the middle-class keep their health insurance benefits and get their raises.

Whatever.

Posted by D. White October 17, 08 11:04 AM
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Where is any of the money to fulfill these programs coming from?

Posted by Michele McCarthy October 17, 08 11:25 AM
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Obama can bridge the widening gap, of the have mores and the rest of America. So that, rest of America can have the hope of living the dream. May God Bless his daunting path.

Posted by Tony October 17, 08 11:36 AM
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Does anyone seriously believe John McCain would get any of his plans through the current congress? Does anyone seriously believe that either one of the turds running for president will keep any of their "investment" promises given the horrible state of the economy?

Posted by Chris Lauer October 17, 08 11:38 AM
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I just like how Obama says he isn't negative. He's just as negative if not more than any other. Also, the ad looks a lot like a few of the ads run last year in IL during the governor race, same style, same negativity. If you actually read both healthcare plans, it is easy to see that McCain's plan would work better, save more money, and is a lot more realistic.

Posted by Dave October 17, 08 11:38 AM
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McCain proves, every day, that he is the wrong man at the wrong time. He is out of touch with the needs of large segments of the American population. When your health care program alienates seniors by reducing their health benefits when they need them the most, alienates people who have health care plans from their employers by taxing that benefit and offering a tax credit that will enable them to buy their own health care at a cost they can't afford, all in the name of the wonders of the free market...all while the economy is in recession and jobs are scarce...all on the heels of the worst presidency in the history of the US -- a performance supported by McCain 90% of the time...it's over for John Mccain. Thankfully.

Posted by edsommers October 17, 08 11:41 AM
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I am a retired person. These cuts to Medicare would cause a good percentage of us untold misery. Since Bush has been President we have had one good sized reaise which paid for about half of the cost of the new medicine insurance we had to buy. Our medical insurance costs us $500 a month and I only have Medicare. I think that the reason McCain dislikes Medicare is that it was passed under a Democratic President. Do you think he would demean himself to talk to some Seniors that were average types????????

Posted by Bob Whitney October 17, 08 11:46 AM
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Hey D.White

You are so wrong about McCain. The middle class get no tax cut, medicare benefits get cut and we get taxed on our health care insurance. Also you deal with out of state insurance companies that all moved to the state that has the worst health care regulations and we all get screwed more.

Posted by IndependentsforObama08 October 17, 08 11:47 AM
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Type your comment here...As far as I can see this election boils down to two things. 1. If you are for killing unborn children and want a socialist government then you want to vote for Obama. 2. If you want to keep our freedoms, save unborn childrens lives, then you will vote for Mccain.

Posted by john October 17, 08 11:52 AM
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For those of us with rare diseases needing expensive life long treatments, there is always a fear that we could be cut off and set afloat on the ice flows of Medicare/Medicaid budget cuts.

A vote for cuts into Medicare/Medicaid could very possibly leave those like myself very dead. Money some would consider well unspent perhaps - but at what cost?

Posted by J.P. Morton October 17, 08 11:56 AM
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D. White:

Obama also wants to expand coverage to reduce costs care-wide, which is more than just beefing up Medicare. In addition end exemptions on preconditioned illness etc. The "rich passing on the costs" is very questionable here, and if true,... is countered at least in part by the affordability principle when coverage is expanded.

McCain's plan does not seem to mandate more coverage than already exists, thereby leaving the cost-reduction through fuller coverage equation out,...and 5,000 or 2,500 for individuals for that matter is nothing. It is not such a simple inversion between the plans.

Posted by Evan October 17, 08 12:23 PM
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Both plans suck and are just political pandering. If your dumb enough to depend upon the government to do something you should be doing for yourself then you deserve to get screwed. SS and Medicare were never intended to be the monsters they have become, but do to various candidates over the years pandering they grew. Now they take up most of the government’s yearly budget. I for one would rather handle my own healthcare and retirement. It’s called personal responsibility. That’s why I started planning for retirement the day I started my first job at 16 over twenty years ago. I now have a sizable amount saved back in different investments and policies. I also pay for my own health insurance. I’m not rich by any stretch, but I do live frugal and I’m very selective about how my money is spent. If you want something done right do it yourself don’t depend upon the government to take care of it for you. It’s really not their job to and they suck at it. The best thing they can do is get out of the way.

Neither of these candidates’ plans allows for personal responsibility though McCain’s comes closer. I would like to tell both of them to stop taking my money and blowing it. If I wanted to waste it I’d do it myself.

Posted by M. Hart October 17, 08 12:25 PM
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Yes, I'll second a previous posters statement....where and when did McCain say he would lower taxes for the middle class? Where has he mentioned the word "middle class". Did I miss this?

Posted by Brian October 17, 08 12:25 PM
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Gotta love the republican view of "pro life" throw em back when they are small and young and kill em when they are big and old enough....

What are all republicans fishermen.

Roe V Wey was the best decision ever. If you don't want a child have an abortion and if you want to keep it, you keep it, your choice. What the republican wingnuts would have you believe is that these fail abortions babies would be killed by the doctors. That is wrong, we already have laws against it and the bill Obama did not want to pass was already ON THE BOOKS! The law would have been an opening for the "Pro Death" oh sorry meant "Life" to attach Roe.

GO read and research the topic fool.


Posted by James E Stevenson October 17, 08 12:26 PM
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John,
A government has to be 'socialist' in wider sense for the dreams of the people to be fulfilled. And what kind of 'freedom' are you talking about? I don't think you mean the 'mass' here.

Posted by Intekhaab October 17, 08 12:28 PM
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The thing is -- with John McCain's take on health insurance -- he's NEVER had to worry about it, himself! He was a Navy dependent as a child, a USNA legacy admission, a Navy officer, one year as the ceremonial VP of Public Relations for Cindy's dad's beer distributorship, then a federal legislator.

Guess what? If he tried to get insurance now, using his own plan for us, -- with his preexisting recurrent melanoma -- he wouldn't qualify! None of the insurance companies in his plan would be required to offer him a policy. He's a setup to need care soon and they wouldn't want him.

Posted by 1derful October 17, 08 12:32 PM
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Type your comment here...

Where is any of the money to fulfill these programs coming from?
Posted by Michele McCarthy October 17, 08 11:25 AM

Ummm..China?

Posted by Leif Brooklawn October 17, 08 12:38 PM
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This ad speaks the truth, it isn't negative. It shows what McCain's plan will do.
Obama was clearly referring to the ads that criticize him as a person, and a leader when he said that McCain was negative. For instance, the one's "linking" him to Ayers, or the one's saying that he doesn't have the capacity to get the country out of the crisis we're in. This ad proves that Obama's plan's are just better and it isn't negative.
These are the kind of truths that need to be put out there. We should be voting for the person that is most capable of being the best possible president. Not basing it the little things.

Posted by andrew October 17, 08 12:40 PM
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It doesn't matter if we elect a Democrat or Republican as president, it doesn't matter if we have a Congress that is Democrat or Republican. The reality is that either now or later there will have do be reductions in entitlement spending. Spending for medicare, medicaid, social security, federal pensions, and interest on the national debt now accounts for 62% of the federal budget. this is a 7% rise from 55% in 2005. This figure will continue to rise due to the onset of baby boomers into the entitlement umbrella. This is an American problem and one that is not sustainable. The magnitude of the economic entitlement crisis that is looming on the near horizon will dwarf the current housing crisis and it's associated cost. When one adds the staggering weight of a $10 trillion national debt and a $450 billion 2008 deficit it should become readily apparent that sacrifice is going to be required of all individual segments of American society, politics, and individual citizens. We have little time to spare in addressing these issues and to date have shown little courage and fortitude in being willing to admit the issues. THIS PENDING DISASTER IS NOT A MATTER OF IF BUT SIMPLY A MATTER OF WHEN.

Posted by BARRY TURPIN LtCol. USMCR October 17, 08 12:40 PM
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McCain has gone on the record as saying that he has no intention of cutting Medicare benefits, just the fraud & waste that bloats the program. That being said, could he actually pull it off with a democratic congress? I have my doubts. I know Obama could pull his off, but it's a terrible plan that would cost at least double what he claims it would, according to independant estimates. Since when did making a new government program ever solve anything?

Posted by Jeff October 17, 08 12:46 PM
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Hi John,
freedom means to be able to choose. The ability for our women to choose abortion when needed is one of that freedom.
When top 1 percent of the population earns more then 70% of all possible income. It is time for socialism. It is either that or a communist style revolution.
I prefer socialism.

Posted by VelShan October 17, 08 12:48 PM
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People need to know what McCain is going to do to Medicare. Now, in light of sinking 401K's, it is even more important for those who are retired or are near retirement . The story has been out there for several days.

From the Wall St. Journal Oct. 6, 2008

McCain would pay for his health plan with major reductions to Medicare and Medicaid, a top aide said, in a move that independent analysts estimate could result in cuts of $1.3 trillion over 10 years to the government programs. The Republican presidential nominee has said little about the proposed cuts, but they are needed to keep his health-care plan "budget neutral," as he has promised. The McCain campaign hasn't given a specific figure for the cuts, but didn't dispute the analysts' estimate.

Posted by jefflz October 17, 08 01:03 PM
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If this is true, citizens deserve to know it. I had no idea that McCain was proposing cuts to Medicare.

Posted by shrink October 17, 08 01:09 PM
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The american health care system does not make sense!
Why are you paying into an insurance company for your health care whose primary objective is PROFIT!. How is healthcare a profitable business??

I am Canadian.

My doctors' prime objective is excatly what their oath demands, to deliver the proper care that the patient needs. Not what the insurance company deems profitable.

Why should you be discussing "coverage" for health care...what wouldn't be covered...bypass surgery...heart transplant....if you don't have that coverage do you die.

You have an industry that shouldn't exist and it is subsidized by the government, your employer and you!. If only you could see the light. Every man, woman and child is covered, and will always recieve the care they DESERVE.

If government controls healthcare, that is a good thing. They answer to you the voter.
But, how it is run now the system answers to investors, who have no vested interest in giving you these services unless you can pay the top dollar demanded.

Be smart, healthcare should not be treated like auto insurance. You are not a car, you did not roll off an assembly line with a warranty.

We have lots of space up here for anyone who wants to immigrate, you will make the same money as you do down there. Our cultures are extremely similar, except we don't like war, and you will get free healthcare all the time. NO MATTER WHAT YOUR PRE-EXISITING CONDITION. If you have one they will give you better service, and if it is an emergency it would be immediate. Not if you can wave a larger check, but out of need

Posted by AJ October 17, 08 01:18 PM
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Thank you, Col. Turpin, for putting it in perspective. Get ready for some serious tax increeases.

Posted by BSmith October 17, 08 01:24 PM
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Do you know what it would mean to have the government run your health care programs? Here is a suggestion contact someone from another country, such as Sweden, and ask that person how they like their health care "choices" given to them by the government. I bet you get a response that would surprise you. Our current health care options are essentially the best in the world; that is not saying they are perfect by any means. Be careful what you wish for, "change" is not always good.

Posted by Honesty is key October 17, 08 01:31 PM
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The american health care system does not make sense!
Why are you paying into an insurance company for your health care whose primary objective is PROFIT!. How is healthcare a profitable business??

I am Canadian.

My doctors' prime objective is excatly what their oath demands, to deliver the proper care that the patient needs. Not what the insurance company deems profitable.

Why should you be discussing "coverage" for health care...what wouldn't be covered...bypass surgery...heart transplant....if you don't have that coverage do you die.

You have an industry that shouldn't exist and it is subsidized by the government, your employer and you!. If only you could see the light. Every man, woman and child is covered, and will always recieve the care they DESERVE.

If government controls healthcare, that is a good thing. They answer to you the voter.
But, how it is run now the system answers to investors, who have no vested interest in giving you these services unless you can pay the top dollar demanded.

Be smart, healthcare should not be treated like auto insurance. You are not a car, you did not roll off an assembly line with a warranty.

We have lots of space up here for anyone who wants to immigrate, you will make the same money as you do down there. Our cultures are extremely similar, except we don't like war, and you will get free healthcare all the time. NO MATTER WHAT YOUR PRE-EXISITING CONDITION. If you have one they will give you better service, and if it is an emergency it would be immediate. Not if you can wave a larger check, but out of need

Posted by AJ October 17, 08 01:33 PM
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I find it amusing to watch the Republican Party go down in flames from the presidency on down to house representative level across most of the country while still clinging to the very hatreds, ignorance, and intolerance that brought them to where they are now, after being so arrogant and smug for the last 8 years. :-) It's sad that they were basically taken over by religious extremists who tried to turn our country into some type of theocracy, but instead alienated over half the country and most of the world against them. Maybe in another 10 or 15 years they'll become a viable party again, who knows?

Posted by Aaron Lindahl October 17, 08 01:34 PM
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Douglas Holtz-Eakin; So all you can do is point fingers at Barack Obama. You never addressed anything about McCains plans to cut Medicare benefits. Typical gutless Republican tactics. Cowardly and disingenuous, just like the Bush Administration. Attack the accuser to make people think you somehow have the moral high ground. You don't. People are tired and they're finally tired of your lies. Eight years is enough. We don't need another four years of miserable, tried and failed policies. You sir, are a coward as well.

Posted by Mike S October 17, 08 01:37 PM
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Fundamentally this is about different definitions of freedom. McCain thinks health care freedom only exists when you can choose your exposure to risk. It's the freedom to buy coke or pepsi, colgate or crest, a high deductible bare bones health plan for the healthy or a full coverage plan for the sick. The free market, where the insurance companies, not the government, dictate the terms to safeguard your life.

Obama thinks freedom is security to live one's life without being captive to fear that one won't be able to afford the medical treatment to live. We can only protect our freedom through shared responsibility of young and old, rich and poor, healthy and sick making shared sacrifices so all can enjoy the security and peace that allows us to be free. Risk must be shared for the community to live freely.

Posted by dan October 17, 08 01:44 PM
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Why is it Obama can compare McCain to Bush and its ok but when Obama is associated with anyone well..... he didnt know he was a terroist bomber, etc.. Obama scares the daylights out of me

Posted by Anthony October 17, 08 01:52 PM
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What a spin.!!...Obama said the first thing he will do is eliminate the insurance programs under medicare....Those are the advantage programs that save seniors citizen hundreds of dollars. If your parents or grandparents are using this programs they will get hit badly with added medical costs. Medicare by itself,sucks,
because the government runs it....The advantage programs take care of preventive
medical costs and drugs. One of the few programs that work and they want to eliminate it. I know, cause my wife and I use it and It helps us.

Posted by susto October 17, 08 01:57 PM
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I think the Canadian is correct. There are many countries in this world that have socialized health c are and there masses are not screaming about their lack of freedoms. Must be something right there.

Posted by M Glidden October 17, 08 02:04 PM
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John, you are a fallacy in logic.

and Freedoms? Like all the ones that are taken away from the patriot act?

It's crazy that in 2003 we said that telemarketing was an invasion of privacy and 2 years earlier we gave up pretty much all privacy to the government. How does that even make sense?

Posted by J. Davenport October 17, 08 02:19 PM
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The last eight years have been disaster with the last two being the worst. Congress under Democrat control has seemed completely disinterested in doing anything except setting the stage to take over the WH come this November. They pretty much said screw the rest of the country Personally the best years in my adult life financially was under Clinton with a Republican controlled congress. Clinton at least worked with Republicans to get things done. I doubt Obama would do the same as he never has in the past.

This country has been going in the wrong direction the past couple of years taking slight right towards fascism. Obama though would be like taking a hard left to correct this. Anyone who has run off the road and then overcorrected knows what happens when you do this. You wreck, or just go wildly out of control. McCain is a moderate and has always been a moderate. He has work across the isle many times. His is the better way to turn.

AS for our poor retirees living solely of SS and Medicare I say, “Poor babies”. Maybe you should have planned your retirement better. I’m tired of paying the bill for the previous generation’s poor planning. I’m also tired of seeing the government in my generation creating an even larger bill for my kid’s generation. It’s time for some fiscal responsibility not only in Washington but also in or own individual lives.

What happened to ask not what your country can do for you but what you can do for your country? What happened to personal responsibility? What happened to taking care of your own? What happened to American pride and wanting to do for yourself? We’ve gone from a country of doers to a country of people with their hands out.
m. dehart

Posted by M. Hart October 17, 08 03:17 PM
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Why is a negative if you're actually giving the current facts?

Not innuendo like Palin practices without real facts.

I read about the medicare/medicaid cuts as part of McCain's plan over a week ago. I was just wondering why Obama hadn't brought it up yet.

Sometimes you feel like you have great amunition for the campaign but no way to contact those in charge. My guess is they wanted to wait till after the last debate so McCain couldn't put a spin on it at the debate.

Speaking of ammunition a high school student in Detroit was gunned down outside of school by a fellow student using an AK-47. I'm all for citizens allowed to have guns in their home to protect themselves and hunters to have rifles.
But as long as there is a Republican in the White House there is no chance to get these type of assualt weapons made illegal as a 1st step to get them off the streets. There is no use for these guns other then to kill multiple people at once.
Maybe he was a good shot and intentionally only wounded the other 3 students.

There is only one real choice in this election. GO BLUE


Posted by Craig S October 17, 08 03:27 PM
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i would like one person(including mcshame) to give me the name of an insurance co. who will insure a family of 4-6 for $5000.00!one that will actually cover and pay as well as a high quality co. i have yet to hear the name.mcshame has sold his soul and honor in order to become pres.

Posted by b rubin October 17, 08 03:47 PM
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I tell you, it's great to read all the comments above. Certainly makes my time spent defending you overseas seem SO worthwhile! You want to make sure everyone has their rights, but take away mine to own a gun because you can't discipline your children or yourselves, which is also why my paycheck is hit for thousands a year to pay for other people's poor decisions! I have lived in England, and have visited Canada, and guess what? Their health care systems SUCK. We are so content to pass more laws and take from those who have worked hard to give to those who have not. Why am I bearing arms for a country that is becoming a weak, socialist bunch of sycophants? You will find that the gaps you are forever sniveling about widen, even as you complain about the scraps your masters feed you from their tables. You are to content to take what is given, rather than earn it for yourselves. Perhaps this country needs far more than another person in the White House...

Posted by The Grunt Next Door October 17, 08 03:52 PM
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Tucker Bounds and the rest of McCain's campaign staff should be able to recognize a lie when they see one, since they have told so many about Obama. Unfortunately, checking the facts points out that, while both parties have stretched and manipulated the truth, the McCain staff are by far the bigger liars.
The GOP should be ashamed of itself. It has subverted everything the "Grand Ole Party" is supposed to stand for. I was a staunch republican for 40 years, but I can no longer stomach what the party has become.
I'm afraid, Mr. Bounds, that the voters have already recognized that John McCain is not, unfortunately, who we thought he was.

Posted by Michael Allen October 17, 08 03:59 PM
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I have been trying to figure out why the McCain healthcare proposal would tax healthcare benefits, as it is such a strange proposal.

Now I believe I understand it better as an extension of Republican Philosophy, and kowtowing to the profit margins of the Health Care Insurance Industry.

If you examine the current state of Health Care Group Coverage for small businesses (that are not self-insured), you will note that the rates paid for Group Coverage are less than rates that are paid for individual coverage plans. You will also note that the Health Care Group Plans offered small business are usually more comprehensive than those offered to individuals (usually because a business advisor will help a small business owner choose a Health Care Plan, while the individual has only himself as an advisor).

What has happened over the past decade or more is that “Underground” Health Care Coverage is being provided by American Small Business owners to friends, relatives, and others who have fallen outside of the system. The Insurance Industry wants to put a stop to this practice.

Here’s how it works (I personally know of several instances.):

• A business owner has a Group Health Insurance Plan, and has his 45 employees signed up.
• Let’s say his brother, cousin, uncle, and his best friend from college are all self-employed and in need of health care insurance.
• The monthly rates and health plans that the business owner has are much better than any that can be found by the individuals who are out shopping, and they need the coverage for their families.
• The business owner, as someone who cares about the welfare of his community, tells these family and friends that he will put them on his Group Health Insurance Plan if they pay the monthly rate to him.
• So every one benefits, the brother, cousin, uncle, and his best friend all now have lesser expensive, good Group Health Insurance, and the Group Health Insurance plan has grown from 45 (who are paid employees) to 60 (15 people pay the owner for the benefits).
• But, the Insurance Company is profiting less per person because these friends and family who don’t individually qualify for Group Health Insurance are paying a lesser rate than they would if the shooped for individual plans, and the Insurance Industry has no way to monitor if the “employees” in the Plan, and the same as employees who receive paychecks.

Under the McCain Plan the Insurance Industry would in effect be provided with a monitoring system that would ensure that the only persons that would be covered by Employer Based Group Health Insurance Plans would be persons paying income taxes from the business entity that provides the Group Health Insurance, as the tax monies would go directly from the IRS to the Insurance entity.

This plan would pop a lot of people out of Group Health Insurance, and into the Individual Health Insurance, which of course provides greater profit for the Insurance Industry.

The McCain Health Care plan is not about taxing benefits, and giving tax rebates. That is the smoke screen of the plan.

The McCain Health Care Plan is set to achieve two specific goals:

1. To set up an Employment Verification system for the Health Care Insurance Industry so that only employees paying taxes from a specific company can be part of that company’s employer based Group Health Insurance.
2. To de-regulate the Health Care Insurance Industry to create maximum profits over the short term, so that the Tax Payers can pony up the monies to rescue that Industry in about 10 years.

Posted by lj9283 October 17, 08 04:24 PM
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Here's the main problem with this country. We Americans are so spoiled and consumed with what's happening in our own little lives that we don't look at the big picture. I am a Democrat. I served on Kerry's campaign and always voted Democrat. However, I would not vote for Obama if he was the last human on the planet! He promises the moon, yet any intelligent person knows that he contradicts himself when he says he won't raise taxes. Can't happen. He sympathizes with terrorists and has been proven to be involved with them on more then 1 occassion. He has shown time and again to be unpatriotic. (his wife's comments, his remarks about the anthem, changing the flag on his pane to that scary utopian symbol.) He is racist. (You don't belong to a racist church for 25 years if you don't agree with them. Sorry. Don't give me any BS Obama.) He is less qualified then even Sara Palin. He has made statements in his own books about standing with the Muslims. I'm sorry, but all this and so much more that continues to come to light every day (michaelsalvage.com; hillbuzz.com; obamacrimes.com), I have to be wise and look beyond the immediate situation we are facing and into the future. And 1st and foremost has to come safety and security. I have found absolutely no reason to trust Obama. His actions speak louder then even his contradicting words!

Posted by Kary October 17, 08 04:30 PM
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I am an atheist. So I consider myself smarter than the typical person of religion of any faith. I am also a political independent; so I consider myself smarter than the average person tied to a political religion. Once you buy into a religion (religious or political) you surrender all manner of reason and rationality to blind servitude. Any rational person could easily determine that the republicans are engaging in endless prevarication (to the delight to their minions---to a much lesser extent then democrats also) and that Sarah Palin is unqualified to be president. The fact that the republicans chose her as their candidate show that they do not put their responsibility to the country first. And Joe Biden who I consider infinitely more qualified than Palin, is himself the penultimate example of a totally wrong and immoral US foreign policy since WW2. Consider any current foreign policy issue like Russia vs Georgia;Israel vs Palestininans;Iran; N Korea ... and I take the exact opposite position than our government (republican or democrat). On the domestic front I will vote Obama because I consider him more honest and in agreement with my ideology. McCain and the republicans cling to Reagan trickle down economics which I believe has been proven crap---it was a theory ,tried and now proven wrong in its purest laissez faire incarnation. Market capitalism needs more regulation---now let's make a try at somewhat more and test that. Some of the Bushies need to go to jail for human rights violations if we want to establish the US as a country that does not torture.I am a practical socialist.I believe in highly progressive tax structures,inheritance taxes,capital gains, and other manner of wealth "sharing" and anti-class measures ,TO THE EXTENT that they do not lessen the productive capacity and benefit to the WHOLE population.So we have gone too far in incentivising the rich; so let's try a move in the other direction and test the results.I am an engineer and scientific laws prevail;however no such inviolate laws exist in social structures (as idealogues seem to believe) so you just need to "jimmy" the "system" to see what works best. My definition of works best applies to the average person,not just primarily the rich and overall GNP. I realize I lost most people when I said I was an atheist;but I am old now, and not so caring about what other people think about me rather than what I think is best and the truth.

Posted by billrowe October 17, 08 06:01 PM
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"I think the Republicans should resolve themselves to big losses in the Fall. They will probably lose at least 20 seats in the House of Representative and 5 or more seats in the Senate. In addition, it is quite possible that Barack Obama will defeat John McCain; barring any more revelations about Obama (like Reverend Wright) that could "tank" his ability to win.

If Mr. Obama does become President and both Houses of Congress are so strongly dominated by the Democrats, it is possible that the United States will be controlled by the most liberal government in our history. So, what will be the result of a near veto-proof and left-wing government?
National Health Care Insurance. Expect the creation of the largest and most expensive government controlled program that this country has seen since Medicare. It will be expensive from the beginning and underestimated; and, like all government managed social programs, it will be seen as "out of control" in just a few years. It will require constant tax increases in the future to cover it's expense. Don't even expect health care cost increases to slow or go down. That's because the health care system will figure out how to "inflate" it's charges to that system in the same fashion that it has been able to get "fat" off of Medicare. Health care costs won't go down under such a system. They will just continue to skyrocket. The crux of the problem, lawsuits, won't even be addressed because of the cozy relationship between the trial attorneys and the Democrats in control of our government.
Taxes. Expect the tax burden on middle class wage earners to go up. At issue will be who is "rich" in the world according to the very liberal Democrats and Barack Obama. To Barack Obama, the rich are those making $250,000 a year. However, to some other Democrats, as low a $60,000 is rich by their definition. My guess is that taxes will be raised on single wage earners making $100,000 or more. For a UAW worker in Detroit making $60/hour, that means higher taxes on his salary. Obama also wants to raise the capital gains tax from 20% to 28%. Unfortunately, there are more than 100 million people in this country who derive income from capital sources and would be subject to this tax. Sadly, many are retirees who receive income from their hard earned money being invested in mutual funds and bonds. They will be hurt with higher taxes in an already inflationary economy and it won't matter that they are below $250,000 in income. Expect the taxes increases and steeper-yet energy prices to cause runaway inflation. The poorest and the fixed income retirees will get hurt the worst.
Organized Labor. The "secret balloting" system of voting as to whether or not to "go union" to be legislated out of existence by this "in debt to the labor unions" Congress and President. In its place, this liberal government will legislate (mandate) into being the "card check" system. Under the "card check" system, union bosses will be able to pass out cards to prospective union members and have them simply "check off" a "no" or "yes" vote as to their preference to organize under a union. If they vote against the union, that preference will be clearly known to the union and its bosses. Talk about intimidation and the most "anti-democratic" measure ever passed by a democracy! But, this is designed to "muscle" the unions into our economy. Initially, it might create higher wages as the unions gain control and force higher wages and more benefits. However, multi-national companies will be forced to move off shore at even a more rapid rate than they have in the past in order to stay competitive against foreign manufacturers. For companies that can't move off shore, the consumer will be hit with massive price increases to compensate for all the higher wages. Expect companies to be "forced" to apply more and more productivity (job eliminating) techniques that will eventually increase unemployment. This is the unintended consequence of removing the "free market" for jobs from our economy. If you don't think it will happen, just look at the automobile industry and the impact on a State like Michigan and the textile industry whose products are almost exclusively produced overseas.
Education. Expect school and teacher accountability to go out the window because "No Child Left Behind" and its testing requirements will be blasted off the map. This will be payback to the loyal-to-the-Democrats teacher's union. For the first time in history, the Federal government will start funding local education in this country. Moves to add more teachers (for the unions and not the kids) will be pushed. I think a city, like Chicago, will revert back to its 48% graduation rate after having improved to 52%. Education, thanks to pandering to the unions, will continue to slide downwards in this country.
Deficit Spending. Currently, Mr. Obama has proposed spending levels that will out pace his tax increases by a ration of 3 to 1. Unlike the Clinton years which benefited from a burgeoning computer-based economy and massive productivity gains (and profits) in business, expect the deficit to increase as a result of (1) reduced tax revenues as a result of higher taxes on businesses and the rich and (2) excessive spending for all those campaign-promised spending programs. With liberal/progressive Democrats in control of the Presidency and Congress, spending will be unstoppable!"

Posted by bosemt1974 October 17, 08 07:00 PM
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Run this ad in Arizona, with all those old people and they would laugh so hard it would run Obama out of his state. McCain got elected EVERY time by the people this ad is trying to scare. Next thing will be Isreal, McCains friends there, and supporters in the promised land, Obama might go that far just to make his argument. After all going to Muslim schools as a child, in your formative years makes you want to help Isreal so much.

Posted by from Texas October 17, 08 07:19 PM
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Amazing ad, even it says you can't find it on McCain's website, wonder why? Because it is not true. Read Obama's detailed plan, or should I say 9 pages of generalities on his website site. Much of which sounds good is already being done, nothing new.
Insurance and drug companies the bad guys? Import drugs from other countries ? Isn't that exporting business out of America? By the way our American drug companies operate overseas, manufacture the same drugs there under different names, and sell there. No FDA there to over see safety, financially attractive to be there as a business, and lower benefits to workers make it cheaper.

Posted by Summer October 26, 08 08:00 PM
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I hate McCain! Obama is best because he wants to stop war and have peice in this unpeicful world! Do you vote for McCain or Obama? No offence if it is for McCain.

Posted by Micaela October 28, 08 06:12 PM
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About Political Intelligence

Reports from Boston Globe reporters and editors about the Obama administration, the Massachusetts congressional delegation, and other national political happenings.

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Support wanes for curbs on credit-card interest rates

Efforts in Congress to cap credit-card interest rates are faltering because of opposition from Democrats and a lack of specific support from the White House, despite growing consumer outrage over a rush by banks to impose rates as high as 30 percent. (Globe Staff, 11/19/09)

Obama domestic agenda largely a one-party effort

Despite early pleas for bipartisanship, President Obama is forging ahead with his domestic agenda with a largely single-party strategy, unable to corral more than a handful of Republicans on a wide range of major legislation before Congress. (Globe Staff, 11/17/09)

Beirut attack victims’ families face new hurdle

On Veterans Day, Christine Devlin stood in the cold in Westwood for the unveiling of a new memorial to local soldiers lost overseas, including her son Michael, one of the 241 servicemen killed in the bombing of the US Marine barracks in Lebanon in 1983. (Globe Staff, 11/14/09)

Powerful health care groups offer optimism on overhaul

Two leading health care interest groups, representing insurers and big business, struck a more conciliatory, even optimistic tone on the health care overhaul yesterday, emphasizing their support of the overall goal of increasing coverage and containing costs even as they warned that the wrong bill could cause great harm. (Globe Staff, 11/13/09)

FHA runs low on cash, fueling bailout concerns

The Federal Housing Administration, which propped up the collapsing housing market last year, acknowledged yesterday that it has drained its cash reserves to dangerously low levels, heightening concerns that it might need a taxpayer bailout. (Globe Staff, 11/13/09)

Earmarks’ cash flow lifts firms, lobbyists, lawmakers

16 defense-related firms in Massachusetts have secured nearly $30 million in federal funding in next year's defense appropriations bill pending in Congress. The tally offers a lesson in the practice known as congressional earmarking, in which lawmakers direct federal money to specific projects, usually in their districts. (Globe Staff, 11/12/09)

Afghanistan wary of US plan to send more advisers

Afghan officials have begun to push back from the Obama administration's plans to send hundreds of advisers to the country, complaining the Americans are often overpaid, underqualified, and unfamiliar with the culture of the country. (Globe Staff, 11/12/09)

Mass. keeps an eye on US bill’s funding ban

Massachusetts officials are closely monitoring an abortion funding ban in the sweeping health care legislation before Congress to make sure that it does not restrict women’s access to abortion coverage in the state. (Globe Staff, 11/11/09)

Survey raises new doubts on military’s ‘don’t ask’ policy

WASHINGTON - The Obama administration received more research yesterday to help make its case for allowing gays and lesbians to serve openly in the armed forces. (Globe Staff, 11/10/09)

Lieberman’s threat of filibuster looms large

When a recent conversation among Senate centrists turned to insurance company antitrust concerns, Joe Lieberman boasted of his bona fides: As Connecticut attorney general in the 1980s, he sued the industry. (Globe Correspondent, 11/9/09)
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