Hillary Clinton has unveiled the third part of her plan to ensure that all Americans have affordable, quality health insurance. Building on her proposals to rein in costs and to insist on value and quality, her American Health Choices Plan will secure, simplify and ensure choice in health coverage for all Americans.

This Plan covers every American – finally addressing the needs of the 47 million uninsured and the tens of millions of workers with coverage who fear they could be one pink slip away from losing their health coverage – with no overall increase in health spending or taxes. For those with health insurance, the plan builds on the current system to give businesses and their employees greater choice of health plans – including keeping the one they have – while lowering cost and improving quality.

“My plan covers all Americans and improves health care by lowering costs and improving quality. If you’re one of the tens of millions of Americans without coverage or if you don’t like the coverage you have, you will have a choice of plans to pick from and you’ll get tax credits to help pay for it. If you like the plan you have, you can keep it. It’s a plan that works for America’s families and America’s businesses, while preserving consumer choices.”

 -- Hillary Clinton

Download The American Health Choices Plan

PDF FORMAT, 936KB.

The American Health Choices Plan: Ensuring Quality, Affordable Health Care for All Americans

Specifically, the American Health Choices Plan will:

1. Offer New Coverage Choices for the Insured and Uninsured: The American Health Choices Plan gives Americans the choice to preserve their existing coverage, while offering new choices to those with insurance, to the 47 million people in the United States without insurance, and the tens of millions more at risk of losing coverage.

• The Same Choice of Health Plan Options that Members of Congress Receive: Americans can keep their existing coverage or access the same menu of quality private insurance options that their Members of Congress receive through a new Health Choices Menu, established without any new bureaucracy as part of the Federal Employee Health Benefit Program (FEHBP). In addition to the broad array of private options that Americans can choose from, they will be offered the choice of a public plan option similar to Medicare.

• A Guarantee of Quality Coverage: The new array of choices offered in the Menu will provide benefits at least as good as the typical plan offered to Members of Congress, which includes mental health parity and usually dental coverage.

2. Lower Premiums and Increase Security: Americans who are satisfied with the coverage they have today can keep it, while benefiting from lower premiums and higher quality.

• Reducing Costs: By removing hidden taxes, stressing prevention and a focus on efficiency and modernization, the plan will improve quality and lower costs.

• Strengthening Security: The plan ensures that job loss or family illnesses will never lead to a loss of coverage or exorbitant costs.

• End to Unfair Health Insurance Discrimination: By creating a level-playing field of insurance rules across states and markets, the plan ensures that no American is denied coverage, refused renewal, unfairly priced out of the market, or forced to pay excessive insurance company premiums.

3. Promote Shared Responsibility: Relying on consumers or the government alone to fix the system has unintended consequences, like scaled-back coverage or limited choices. This plan ensures that all who benefit from the system share in the responsibility to fix its shortcomings.

• Insurance and Drug Companies: insurance companies will end discrimination based on pre-existing conditions or expectations of illness and ensure high value for every premium dollar; while drug companies will offer fair prices and accurate information.

• Individuals: will be responsible for getting and keeping insurance in a system where insurance is affordable and accessible.

• Providers: will work collaboratively with patients and businesses to deliver highquality, affordable care.

• Employers: will help finance the system; large employers will be expected to provide health insurance or contribute to the cost of coverage; small businesses will receive a tax credit to continue or begin to offer coverage.

• Government: will ensure that health insurance is always affordable and never a crushing burden on any family and will implement reforms to improve quality and lower cost.

4. Ensure Affordable Health Coverage for All: Hillary Clinton’s plan will:

• Provide Tax Relief to Ensure Affordability: Working families will receive a refundable tax credit to help them afford high-quality health coverage.

• Limit Premium Payments to a Percentage of Income: The refundable tax credit will be designed to prevent premiums from exceeding a percentage of family income, while maintaining consumer price consciousness in choosing health plans.

• Create a New Small Business Tax Credit: To make it easier—not harder—for small businesses to create new jobs with health coverage, a new health care tax credit for small businesses will provide an incentive for job-based coverage.

• Strengthen Medicaid and SCHIP: The Plan will fix the holes in the safety net to ensure that the most vulnerable populations receive affordable, quality care.

• Launch a Retiree Health Legacy Initiative: A new tax credit for qualifying private and public retiree health plans will offset a significant portion of catastrophic expenditures, so long as savings are dedicated to workers and competitiveness.

5. A Fiscally Responsible Plan that Honors our Priorities:

• Most Savings Come Through Lowering Spending Due to Quality and Modernization: Over half the savings come from the public savings generated from Hillary Clinton’s broader agenda to modernize the heath systems and reduce wasteful health spending.

• A Net Tax Cut for American Taxpayers: The plan offers tens of millions of Americans a new tax credit to make premiums affordable—which more than offsets the increased revenues from the Plan’s provisions to limit the employer tax exclusion for healthcare and discontinue portions of the Bush tax cuts for those making over $250,000. Thus, the plan provides a net tax cut for American taxpayers.

• Making the Employer Tax Exclusion for Healthcare Fairer: The plan protects the current exclusion from taxes of employer-provided health premiums, but limits the exclusion for the high-end portion of very generous plans for those making over $250,000.

Visit Hillary Clinton's Web Site

Hillary's Story:

Hillary was raised in a middle-class family in the middle of America. From that classic suburban childhood in Park Ridge, Illinois, Hillary went on to become one of America's foremost advocates for children and families; an attorney twice voted one of the most influential in America; a First Lady of Arkansas who helped transform the schools; a bestselling author; a First Lady for America who helped transform that role, becoming a champion for health care and families at home and a champion of women's rights and human rights around the world.

Since her path-breaking election to the United States Senate, Hillary has been a steadfast advocate for middle-class families, working to help create jobs, expand children's health care and protect Social Security from privatization. As the Senator representing New York after 9/11, Hillary has fought to strengthen our approach to homeland security and to improve our communications and intelligence operations. As the first New Yorker ever named to the Senate Armed Services Committee, Hillary has been a tough critic of the administration's bungling of Iraq and a fierce advocate for proper equipment, health benefits, and treatment for military families.

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