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Jewish World Review August 20, 2008 / 19 Menachem-Av 5768 McCain needs to push health care edge By William McKenzie http://www.JewishWorldReview.com | If John McCain's going to win the White House, he will need to win it on issues. His flinty, fighter-pilot persona certainly won't let him out-personality the charismatic Barack Obama. Depending on whom you ask, some people who know the presumptive GOP nominee believe he has the ability to wage an issues-based campaign. It's hard to tell that from afar, however — real hard at times. He's not providing an explanatory narrative about how his domestic policies would reshape America for the better. Look at his health care plan. Normally health care is a Democratic issue, but Mr. McCain's revolutionary approach speaks more to the little guy than Mr. Obama's plan. Mr. Obama's solution relies on expanding Medicaid and employer-based insurance. Two problems with that: Medicaid expenses already are pressuring the federal budget; spending on it is growing at about 7 percent annually. There's also real doubt that the employer-based system is the wave of the future. The percentage of companies offering health insurance is going down, not up. Mr. McCain, by contrast, wants to separate health care from the worksite, and he would democratize the tax code to make that possible. From a middle-class perspective, this is a huge step forward. Consider the advantage of "decoupling" health care from the worksite. Today's "job-lock" phenomenon forces many workers, especially middle-aged ones with families, to stay in a job because that's the only way they can get health coverage. They may be bored to tears and want out, but they aren't about to leave and use their talents more productively elsewhere — not with health costs being what they are. Mr. McCain would set them free. He would give all individuals the means to buy insurance on their own. Families would receive a $5,000 tax credit to buy insurance. (Singles would get a $2,500 credit.) Everyone would qualify for the credit, although critics suggest Mr. McCain's $5,000 credit wouldn't help them meet today's average family premium. Fair enough. Hike the credit. By giving everyone the chance to buy their own policy, Mr. McCain would put Americans in charge of their health insurance. Their plan would be their property right, and they could shop from state to state to find the best deal, just as they do to buy auto insurance. This change is part of getting us to become smarter consumers of health care. Many health experts believe this is an overdue way to control costs. Now, let's look at how he would democratize the tax code, which isn't something you normally associate with a Republican. Mr. McCain proposes eliminating the tax advantage workers receive through pre-tax health benefits. Today, workers aren't taxed on the health coverage they receive from their companies. As a result, higher-income workers receive a larger tax break than middle- or lower-income workers. CEOs and other execs often exploit that advantage in buying themselves gold-plated plans. Mr. McCain would take away those advantages and give every American the same tax credit to buy insurance. All workers, from Warren Buffett down to the small businessman in Muleshoe, Texas, finally would be on the same playing field. Even one Democratic health policy expert I spoke with praised Mr. McCain for attacking the tax code's regressivity. I sometimes wonder if Mr. McCain understands the powerful imagery of this change. True, this stuff is complicated, but he's basically taking an advantage from the wealthy and spreading it around to everyone else. He should be shouting this from the airwaves, showing voters he's the guy taking on the Buffetts on behalf of the average guy. Hillary Clinton certainly understood the power of making health care her issue. So did her husband in 1992. John McCain needs to do something similar if he plans on becoming president. Health care alone won't put him over the top, but it could help him help him win the White House as part of an ideas-based campaign. Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. William McKenzie is an editorial columnist for The Dallas Morning News. Comment by clicking here. 08/06/08: How Bush can help McCain 04/09/08: To win, McCain must take his party in a bold, daring direction 03/26/08: To win, McCain must take his party in a bold, daring direction 01/30/08: Finally, Bush speaks up for relevancy 01/24/08: After Bush, who's going to crusade for education? 12/20/07: Candidates who prey on fears may generate votes at this moment in our cycle, but we really need to think hard about how far inward we turn 10/30/07: Is America building an empire? That is a central question for the next presidents 08/28/07: Don't let Gonzales' record taint all Bush appointees 08/16/07: Rove was half right: He got the big picture, but didn't belong in the White House 02/01/06: GOP needs changes, but it can't forget the big picture 03/31/05: Mexico fixes problems when it wants to 12/06/04: Bush's new team has a Texas feel 11/08/04: Second chances shouldn't be wasted 08/25/04: Bush could profit from being like Ike © 2008, The Dallas Morning News Distributed by McClatchy-Tribune Information Services.

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