“…Health care is about more than the details of a policy. It’s about what kind of country you want to be. Young people, it's about what kind of country you want to be. We are the only nation on Earth that leaves millions of people without health insurance. We spend more than any country on Earth, and we're not any healthier for it. So this is about what kind of country you want your children to grow up in.

“A lot of you here today and a lot of young people across the country gave your time and your effort to this campaign because you believed that America can still do great things. You believed that in this country, we don't fear the future; we shape the future. We don't feed on division and anger; we feed on hope and possibility. That's what America is about. That's what we're called to affirm right now…”

The President talked about his plan for reform and specifically addressed how it will help young adults.

A few key facts:

-- Americans between the ages of 19 and 29 have the highest uninsured rate of any age group. Nearly one-third (30 percent) of 19 to 29 year olds are uninsured, compared to 17 percent of older adults. (Many young adults who have insurance through their parents’ plans lose it when they turn 19.)

-- Young women are particularly affected. Because of current laws, insurance companies in 33 states are allowed to charge higher premiums the basis of gender. Consequently, they can charge a 22 year old woman 1.5 times more than a 22 year old man.

-- Many 20-somethings have jobs that don’t offer health benefits, either because they hold part-time jobs or work for small businesses, which in recent years, have been having a harder time providing their employees with coverage. Since 2006, young adults working for small businesses have lost their insurance at twice the rate of older workers.

-- Young Americans can’t afford the high costs of health care -- two-thirds of young adults who’ve gone without coverage said they went without needed health care because of cost, and a quarter of all young adults are paying off medical debt.

How Will President Obama's Plan Help Young Americans?

-- Young adults will be allowed to stay on their parents’ health care plan through the age of 26.

-- It would create a health insurance exchange which will ensure that young adults (who aren’t covered by their parents’ plans) always have access to affordable, quality coverage, whether they change jobs, move, or hold part-time or temporary jobs.

-- It will be against the law for insurance companies to deny coverage based on a preexisting condition or charge you more because of your gender.

-- It will limit the amount an insurance company can charge for out-of-pocket expenses, co-pays and deductibles and it will require insurance companies to cover – without charge – preventive care, so things like doctor’s checkups are free.

If You Have Health Insurance

More Stability and Security

• Ends discrimination against people with pre-existing conditions.
• Limits premium discrimination based on gender and age.
• Prevents insurance companies from dropping coverage when people are sick and need it most.
• Caps out-of-pocket expenses so people don’t go broke when they get sick.
• Eliminates extra charges for preventive care like mammograms, flu shots and diabetes tests to improve health and save money.
• Protects Medicare for seniors.
• Eliminates the "donut-hole" gap in coverage for prescription drugs.

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.
• Provides new tax credits to help people buy insurance.
• Provides small businesses tax credits and affordable options for covering employees.
• Offers a public health insurance option to provide the uninsured and those who can’t find affordable coverage with a real choice.
• 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 All Americans

Reins In the Cost of Health Care for Our Families, Our Businesses, and Our Government

• Won’t add a dime to the deficit and is paid for upfront.
• Requires additional cuts if savings are not realized.
• Implements a number of delivery system reforms that begin to rein in health care costs and align incentives for hospitals, physicians, and others to improve quality.
• Creates an independent commission of doctors and medical experts to identify waste, fraud and abuse in the health care system.
• Orders immediate medical malpractice reform projects that could help doctors focus on putting their patients first, not on practicing defensive medicine.
• Requires large employers to cover their employees and individuals who can afford it to buy insurance so everyone shares in the responsibility of reform.

You can read a full transcript of the President's speech here.

“What we face,” Senator Kennedy wrote “is above all a moral issue; at stake are not just the details of policy, but fundamental principles of social justice and the character of our country.”

An excerpt from President Obama’s remarks:

“I’ve thought about that phrase quite a bit in recent days – the character of our country. One of the unique and wonderful things about America has always been our self-reliance, our rugged individualism, our fierce defense of freedom and our healthy skepticism of government. And figuring out the appropriate size and role of government has always been a source of rigorous and sometimes angry debate…

“That large-heartedness – that concern and regard for the plight of others – is not a partisan feeling. It is not a Republican or a Democratic feeling. It, too, is part of the American character. Our ability to stand in other people’s shoes. A recognition that we are all in this together; that when fortune turns against one of us, others are there to lend a helping hand. A belief that in this country, hard work and responsibility should be rewarded by some measure of security and fair play; and an acknowledgement that sometimes government has to step in to help deliver on that promise.

“This has always been the history of our progress. In 1933, when over half of our seniors could not support themselves and millions had seen their savings wiped away, there were those who argued that Social Security would lead to socialism. But the men and women of Congress stood fast, and we are all the better for it. In 1965, when some argued that Medicare represented a government takeover of health care, members of Congress, Democrats and Republicans, did not back down. They joined together so that all of us could enter our golden years with some basic peace of mind.

“You see, our predecessors understood that government could not, and should not, solve every problem. They understood that there are instances when the gains in security from government action are not worth the added constraints on our freedom. But they also understood that the danger of too much government is matched by the perils of too little; that without the leavening hand of wise policy, markets can crash, monopolies can stifle competition, and the vulnerable can be exploited. And they knew that when any government measure, no matter how carefully crafted or beneficial, is subject to scorn; when any efforts to help people in need are attacked as un-American; when facts and reason are thrown overboard and only timidity passes for wisdom, and we can no longer even engage in a civil conversation with each other over the things that truly matter – that at that point we don’t merely lose our capacity to solve big challenges. We lose something essential about ourselves.

“What was true then remains true today. I understand how difficult this health care debate has been. I know that many in this country are deeply skeptical that government is looking out for them. I understand that the politically safe move would be to kick the can further down the road – to defer reform one more year, or one more election, or one more term.

“But that’s not what the moment calls for. That’s not what we came here to do. We did not come to fear the future. We came here to shape it. I still believe we can act even when it’s hard. I still believe we can replace acrimony with civility, and gridlock with progress. I still believe we can do great things, and that here and now we will meet history’s test.

“Because that is who we are. That is our calling. That is our character. Thank you, God Bless You, and may God Bless the United States of America."

"I am not the first President to take up this cause," the President explained, "but I am determined to be the last."

Our collective failure to meet this challenge – year after year, decade after decade – has led us to a breaking point. Everyone understands the extraordinary hardships that are placed on the uninsured, who live every day just one accident or illness away from bankruptcy. These are not primarily people on welfare. These are middle-class Americans. Some can’t get insurance on the job. Others are self-employed, and can’t afford it, since buying insurance on your own costs you three times as much as the coverage you get from your employer. Many other Americans who are willing and able to pay are still denied insurance due to previous illnesses or conditions that insurance companies decide are too risky or expensive to cover.

We are the only advanced democracy on Earth – the only wealthy nation – that allows such hardships for millions of its people.

During the past few months, the President remarked, "we have seen Washington at its best and its worst."

We have seen many in this chamber work tirelessly for the better part of this year to offer thoughtful ideas about how to achieve reform. Of the five committees asked to develop bills, four have completed their work, and the Senate Finance Committee announced today that it will move forward next week. That has never happened before. Our overall efforts have been supported by an unprecedented coalition of doctors and nurses; hospitals, seniors’ groups and even drug companies – many of whom opposed reform in the past. And there is agreement in this chamber on about eighty percent of what needs to be done, putting us closer to the goal of reform than we have ever been.

But what we have also seen in these last months is the same partisan spectacle that only hardens the disdain many Americans have toward their own government. Instead of honest debate, we have seen scare tactics. Some have dug into unyielding ideological camps that offer no hope of compromise. Too many have used this as an opportunity to score short-term political points, even if it robs the country of our opportunity to solve a long-term challenge.  And out of this blizzard of charges and counter-charges, confusion has reigned.

Well the time for bickering is over. The time for games has passed. Now is the season for action.  Now is when we must bring the best ideas of both parties together, and show the American people that we can still do what we were sent here to do. Now is the time to deliver on health care. 

The plan that the President announced tonight is designed to meet three basic goals:

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 slow the growth of health care costs for our families, our businesses, and our government. It’s a plan that asks everyone to take responsibility for meeting this challenge – not just government and insurance companies, but employers and individuals. And it’s a plan that incorporates ideas from Senators and Congressmen; from Democrats and Republicans – and yes, from some of my opponents in both the primary and general election.

... an additional step we can take to keep insurance companies honest is by making a not-for-profit public option available in the insurance exchange.

... It’s worth noting that a strong majority of Americans still favor a public insurance option of the sort I’ve proposed tonight.  But its impact shouldn’t be exaggerated – by the left, the right, or the media.  It is only one part of my plan, and should not be used as a handy excuse for the usual Washington ideological battles.  To my progressive friends, I would remind you that for decades, the driving idea behind reform has been to end insurance company abuses and make coverage affordable for those without it.  The public option is only a means to that end – and we should remain open to other ideas that accomplish our ultimate goal.  And to my Republican friends, I say that rather than making wild claims about a government takeover of health care, we should work together to address any legitimate concerns you may have.

For example, some have suggested that that the public option go into effect only in those markets where insurance companies are not providing affordable policies.  Others propose a co-op or another non-profit entity to administer the plan.  These are all constructive ideas worth exploring.  But I will not back down on the basic principle that if Americans can’t find affordable coverage, we will provide you with a choice.  And I will make sure that no government bureaucrat or insurance company bureaucrat gets between you and the care that you need.

...This is the plan I’m proposing. It’s a plan that incorporates ideas from many of the people in this room tonight – Democrats and Republicans. And I will continue to seek common ground in the weeks ahead. If you come to me with a serious set of proposals, I will be there to listen. My door is always open.

But know this: I will not waste time with those who have made the calculation that it’s better politics to kill this plan than improve it. I will not stand by while the special interests use the same old tactics to keep things exactly the way they are. If you misrepresent what’s in the plan, we will call you out. And I will not accept the status quo as a solution. Not this time.  Not now.

Everyone in this room knows what will happen if we do nothing. Our deficit will grow. More families will go bankrupt. More businesses will close. More Americans will lose their coverage when they are sick and need it most. And more will die as a result. We know these things to be true.

That is why we cannot fail. 

...I understand how difficult this health care debate has been.  I know that many in this country are deeply skeptical that government is looking out for them.  I understand that the politically safe move would be to kick the can further down the road – to defer reform one more year, or one more election, or one more term.

But that’s not what the moment calls for.  That’s not what we came here to do.  We did not come to fear the future.  We came here to shape it.  I still believe we can act even when it’s hard.  I still believe we can replace acrimony with civility, and gridlock with progress.  I still believe we can do great things, and that here and now we will meet history’s test.

]]> http://www.democrats.org/a/2009/09/the_presidents_3.php http://www.democrats.org/a/2009/09/the_presidents_3.php Barack Obama Wed, 09 Sep 2009 22:04:53 -0500 In his address to a Joint Session of Congress, President Obama directly took on the biggest misrepresentations and lies about reform.

On so-called, “death panels”:

Such a charge would be laughable if it weren’t so cynical and irresponsible. It is a lie, plain and simple.

On insurance for illegal immigrants:

This, too, is false – the reforms I’m proposing would not apply to those who are here illegally. And one more misunderstanding I want to clear up – under our plan, no federal dollars will be used to fund abortions, and federal conscience laws will remain in place.

On a government takeover of our health care system:

"My health care proposal has also been attacked by some who oppose reform as a “government takeover” of the entire health care system. As proof, critics point to a provision in our plan that allows the uninsured and small businesses to choose a publicly-sponsored insurance option, administered by the government just like Medicaid or Medicare.

"So let me set the record straight. My guiding principle is, and always has been, that consumers do better when there is choice and competition. Unfortunately, in 34 states, 75% of the insurance market is controlled by five or fewer companies. In Alabama, almost 90% is controlled by just one company. Without competition, the price of insurance goes up and the quality goes down. And it makes it easier for insurance companies to treat their customers badly – by cherry-picking the healthiest individuals and trying to drop the sickest; by overcharging small businesses who have no leverage; and by jacking up rates.

"Now, I have no interest in putting insurance companies out of business. They provide a legitimate service, and employ a lot of our friends and neighbors. I just want to hold them accountable. The insurance reforms that I’ve already mentioned would do just that. But an additional step we can take to keep insurance companies honest is by making a not-for-profit public option available in the insurance exchange. Let me be clear – it would only be an option for those who don’t have insurance. No one would be forced to choose it, and it would not impact those of you who already have insurance. ..

”…I have insisted that like any private insurance company, the public insurance option would have to be self-sufficient and rely on the premiums it collects. But by avoiding some of the overhead that gets eaten up at private companies by profits, excessive administrative costs and executive salaries, it could provide a good deal for consumers. It would also keep pressure on private insurers to keep their policies affordable and treat their customers better, the same way public colleges and universities provide additional choice and competition to students without in any way inhibiting a vibrant system of private colleges and universities.

"It’s worth noting that a strong majority of Americans still favor a public insurance option of the sort I’ve proposed tonight...

He made a clear, compelling case for reform and laid out the elements of his plan.

At its core, the Obama plan has three goals: it provides more stability and security to Americans with insurance, it provides quality, affordable care to those who don’t, and it reins in the high costs of care currently crushing American families, businesses and our government itself.

“I am not the first President to take up this cause,” President Obama said, “but I am determined to be the last.” He made the moral case for reform. He talked about escalating, crushing costs. He talked about the insecurity millions of Americans deal with every day – one job change, accident or illness away from disaster.

He called for an end to unfair insurance industry practices: it will be against for law for insurance companies to deny coverage based on a pre-existing condition, cancel coverage when someone gets sick, or place an arbitrary cap on the coverage someone can receive. He called for a cap on the amount insurance companies can charge for out of pocket expenses, because no one should go broke when they get sick. He called for the establishment of a Health Insurance Exchange – where small businesses and individuals without coverage will be able to compare plans and access affordable coverage. And he called for the creation of a public insurance option, to make sure that people who don't have insurance or can't afford it, have access to an affordable choice.

Here’s an excerpt from his remarks. We’ll have a round up as coverage of the speech continues.

”…I am not the first President to take up this cause, but I am determined to be the last. It has now been nearly a century since Theodore Roosevelt first called for health care reform. And ever since, nearly every President and Congress, whether Democrat or Republican, has attempted to meet this challenge in some way. A bill for comprehensive health reform was first introduced by John Dingell Sr. in 1943. Sixty-five years later, his son continues to introduce that same bill at the beginning of each session.

“Our collective failure to meet this challenge – year after year, decade after decade – has led us to a breaking point. Everyone understands the extraordinary hardships that are placed on the uninsured, who live every day just one accident or illness away from bankruptcy. These are not primarily people on welfare. These are middle-class Americans. Some can’t get insurance on the job. Others are self-employed, and can’t afford it, since buying insurance on your own costs you three times as much as the coverage you get from your employer. Many other Americans who are willing and able to pay are still denied insurance due to previous illnesses or conditions that insurance companies decide are too risky or expensive to cover.

"We are the only advanced democracy on Earth – the only wealthy nation – that allows such hardships for millions of its people. There are now more than thirty million American citizens who cannot get coverage. In just a two year period, one in every three Americans goes without health care coverage at some point. And every day, 14,000 Americans lose their coverage. In other words, it can happen to anyone.

"But the problem that plagues the health care system is not just a problem of the uninsured. Those who do have insurance have never had less security and stability than they do today. More and more Americans worry that if you move, lose your job, or change your job, you’ll lose your health insurance too. More and more Americans pay their premiums, only to discover that their insurance company has dropped their coverage when they get sick, or won’t pay the full cost of care. It happens every day..."

You can listen to the forum here. An excerpt from President Obama’s remarks is below. We’ll update with video once it becomes available.

"...The easiest thing to do as a politician is to do nothing. You don't offend anybody. You say all the right things. You don't rock the boat. Your poll numbers go up. Everybody in Washington says, boy, that guy is a great politician. Look at his poll numbers. And you can get away with doing that for years. But that's not why I came here. And that's not why you worked so hard to win this election. You came here because you knew that America can be a little fairer, a little more just, a little more efficient. We can provide better health care coverage; we can make sure that we use less foreign oil and develop clean energy here in the United States; that we can make our school system work for every child and not just some, and produce more scientists and engineers that are going to be the key to unlocking a 21st-century economy.

We understood that we're human, and government is a human enterprise, so it's imperfect, but we can do better than we've been doing. And this debate that we're having right now, this health care debate, is a test to that proposition. There are a whole bunch of folks in this town who were just waiting for this debate to take place because the storyline they want to write about is, all the naïve, idealistic folks -- 'Change We Can Believe In,' 'Yes We Can' -- that all their hopes were dashed, because this is a tough, cynical town, and we are going to be able to show them that basically you can't get anything done in this town. You can't change things. Everything always immediately becomes partisan. Government is way too complicated and Congress is way too paralyzed and the special interests are way too powerful to bring about meaningful, big changes that help the American people.

That's the storyline they're operating on, but that's the storyline we've been fighting against this entire time. From the day we announced this race, we were fighting against that. And they have been trying to write that story again and again and again. We are not going to give up now. We are not going to give up now. We are going to get this done, and show the American people that government can work for them.

Thank you, everybody. God bless you.

Friend --

President Obama and Organizing for America are holding a live strategy meeting on Thursday at 2:30 p.m. Eastern Time for everyone working to pass health insurance reform this year. I'll be participating, and I hope you can join us, either online or by phone.

The President will update us on what's happening here in DC, and, more importantly, what's happening around the country. He'll lay out our strategy and message going forward and answer questions about reform from folks like you. Then we'll unveil the next actions that we'll organize together.

At a moment like this, all Democrats need to step up and join the President in this historic fight for reform. I hope you can join us.

Here are the details:

What: Organizing for America National Health Care Forum

When: Thursday, August 20th, 2:30 p.m. Eastern Time

RSVP and submit a question for the President.

At the beginning of August, President Obama told all of us that this would be a pivotal month in the battle for real reform. And from the reports I'm hearing from around the country, supporters like you have responded strongly: knocking on doors, making calls and visits to local offices to thank those supporting reform and urge others to start working for change, and fighting hard to pass strong legislation this year.

But there's a lot more work for all of us to do -- and we need to be prepared with all the information available. Please join Organizing for America for this important event.

Click here to RSVP and submit a question for President Obama:

http://www.democrats.org/forum

Hope you can make it,

Governor Tim Kaine

Chairman
Democratic National Committee

August 16, 2009 Op-Ed Contributor

Why We Need Health Care Reform
By BARACK OBAMA

OUR nation is now engaged in a great debate about the future of health care in America. And over the past few weeks, much of the media attention has been focused on the loudest voices. What we haven’t heard are the voices of the millions upon millions of Americans who quietly struggle every day with a system that often works better for the health-insurance companies than it does for them.

These are people like Lori Hitchcock, whom I met in New Hampshire last week. Lori is currently self-employed and trying to start a business, but because she has hepatitis C, she cannot find an insurance company that will cover her. Another woman testified that an insurance company would not cover illnesses related to her internal organs because of an accident she had when she was 5 years old. A man lost his health coverage in the middle of chemotherapy because the insurance company discovered that he had gallstones, which he hadn’t known about when he applied for his policy. Because his treatment was delayed, he died.

I hear more and more stories like these every single day, and it is why we are acting so urgently to pass health-insurance reform this year. I don’t have to explain to the nearly 46 million Americans who don’t have health insurance how important this is. But it’s just as important for Americans who do have health insurance.

There are four main ways the reform we’re proposing will provide more stability and security to every American.

First, if you don’t have health insurance, you will have a choice of high-quality, affordable coverage for yourself and your family — coverage that will stay with you whether you move, change your job or lose your job.

Second, reform will finally bring skyrocketing health care costs under control, which will mean real savings for families, businesses and our government. We’ll cut hundreds of billions of dollars in waste and inefficiency in federal health programs like Medicare and Medicaid and in unwarranted subsidies to insurance companies that do nothing to improve care and everything to improve their profits.

Third, by making Medicare more efficient, we’ll be able to ensure that more tax dollars go directly to caring for seniors instead of enriching insurance companies. This will not only help provide today’s seniors with the benefits they’ve been promised; it will also ensure the long-term health of Medicare for tomorrow’s seniors. And our reforms will also reduce the amount our seniors pay for their prescription drugs.

Lastly, reform will provide every American with some basic consumer protections that will finally hold insurance companies accountable. A 2007 national survey actually shows that insurance companies discriminated against more than 12 million Americans in the previous three years because they had a pre-existing illness or condition. The companies either refused to cover the person, refused to cover a specific illness or condition or charged a higher premium.

We will put an end to these practices. Our reform will prohibit insurance companies from denying coverage because of your medical history. Nor will they be allowed to drop your coverage if you get sick. They will not be able to water down your coverage when you need it most. They will no longer be able to place some arbitrary cap on the amount of coverage you can receive in a given year or in a lifetime. And we will place a limit on how much you can be charged for out-of-pocket expenses. No one in America should go broke because they get sick.

Most important, we will require insurance companies to cover routine checkups, preventive care and screening tests like mammograms and colonoscopies. There’s no reason that we shouldn’t be catching diseases like breast cancer and prostate cancer on the front end. It makes sense, it saves lives and it can also save money.

This is what reform is about. If you don’t have health insurance, you will finally have quality, affordable options once we pass reform. If you have health insurance, we will make sure that no insurance company or government bureaucrat gets between you and the care you need. If you like your doctor, you can keep your doctor. If you like your health care plan, you can keep your health care plan. You will not be waiting in any lines. This is not about putting the government in charge of your health insurance. I don’t believe anyone should be in charge of your health care decisions but you and your doctor — not government bureaucrats, not insurance companies.

The long and vigorous debate about health care that’s been taking place over the past few months is a good thing. It’s what America’s all about.

But let’s make sure that we talk with one another, and not over one another. We are bound to disagree, but let’s disagree over issues that are real, and not wild misrepresentations that bear no resemblance to anything that anyone has actually proposed. This is a complicated and critical issue, and it deserves a serious debate.

Despite what we’ve seen on television, I believe that serious debate is taking place at kitchen tables all across America. In the past few years, I’ve received countless letters and questions about health care. Some people are in favor of reform, and others have concerns. But almost everyone understands that something must be done. Almost everyone knows that we must start holding insurance companies accountable and give Americans a greater sense of stability and security when it comes to their health care.

I am confident that when all is said and done, we can forge the consensus we need to achieve this goal. We are already closer to achieving health-insurance reform than we have ever been. We have the American Nurses Association and the American Medical Association on board, because our nation’s nurses and doctors know firsthand how badly we need reform. We have broad agreement in Congress on about 80 percent of what we’re trying to do. And we have an agreement from the drug companies to make prescription drugs more affordable for seniors. The AARP supports this policy, and agrees with us that reform must happen this year.

In the coming weeks, the cynics and the naysayers will continue to exploit fear and concerns for political gain. But for all the scare tactics out there, what’s truly scary — truly risky — is the prospect of doing nothing. If we maintain the status quo, we will continue to see 14,000 Americans lose their health insurance every day. Premiums will continue to skyrocket. Our deficit will continue to grow. And insurance companies will continue to profit by discriminating against sick people.

That is not a future I want for my children, or for yours. And that is not a future I want for the United States of America.

In the end, this isn’t about politics. This is about people’s lives and livelihoods. This is about people’s businesses. This is about America’s future, and whether we will be able to look back years from now and say that this was the moment when we made the changes we needed, and gave our children a better life. I believe we can, and I believe we will.

Barack Obama is the president of the United States.

”The fact is, health care touches all of our lives in a profound way. So it is only natural that this debate is an emotional one. And I know there’s been a lot of attention paid to some of the town hall meetings that are going on around the country – especially those where tempers have flared. You know how TV loves a ruckus.

”But what you haven’t seen – and what makes me proud – are the many constructive meetings going on all over the country. Earlier this week, I held a town hall in New Hampshire. A few thousand people showed up. Some were big supporters of health insurance reform. Some had concerns and questions. And some were downright skeptical. But I was glad to see that people weren’t there to shout. They were there to listen. And I think that reflects the American people far more than what we’ve seen covered on television these past few days. And I thank you for coming here today in that spirit. But before I take your questions, I want to talk about what health insurance reform will mean for you.

”First, health insurance reform will mean a set of common-sense consumer protections for folks with health insurance.

”Insurance companies will no longer be able to cancel your coverage because you get sick. This is what happened to Katie. Think about this. You do the responsible thing. You pay your premiums each month so that you are covered in case of a crisis. And then that crisis comes. You have a heart attack. Or your husband finds out he has cancer. Or your son or daughter is rushed to the hospital. And at your most vulnerable – at your most frightened – you get a phone call from your insurance company. Your coverage is revoked. It turns out, once you got sick, they scoured your records looking for a reason to cancel your policy, and they found a minor mistake on an insurance form you submitted years ago.

“One report found that three insurance companies alone had canceled 20,000 policies in this way over the past few years. One man from Illinois lost his coverage in the middle of chemotherapy because his insurer discovered he hadn’t reported gall stones he didn’t know about. Because his treatment was delayed, he died. A woman from Texas was diagnosed with an aggressive form of breast cancer and was scheduled for a double mastectomy. Three days before the surgery, the insurer canceled the policy. Why? In part because she forgot to declare a case of acne. By the time she had her insurance reinstated, the cancer had more than doubled in size.

”Insurance companies will also be prohibited from denying coverage because of your medical history. A recent report found that in the past three years, more than 12 million Americans were discriminated against by insurance companies because of a preexisting condition. No one holds these companies accountable for these practices. But we will.

”And insurance companies will no longer be able to place an arbitrary cap on the amount of coverage you can receive in a given year or a lifetime. That will help 3,700 households in Montana. We will place a limit on how much you can be charged for out-of-pocket expenses, too, because no one in America should go broke because they get sick. And finally we will require insurance companies to cover routine checkups and preventive care, like mammograms and colonoscopies. That saves money and that saves lives.

This is what health insurance reform is all about. Right now we have a health care system that too often works better for the insurance industry than it does for the American people. And we’re going to change that.

Now, if you’re one of the nearly 46 million people who don't have health insurance, you will finally have quality, affordable options. If you do have health insurance, we will help make that insurance more affordable and more secure. If you like your health care plan, you can keep your health plan. If you like your doctor, you can keep seeing your doctor. This is important: I don't want government bureaucrats meddling in your health care – but I also don't want insurance company bureaucrats meddling in your health care either

We compiled local TV coverage from events around the country. Health care town halls aren’t all bluster – you just have to look beyond national cable TV.

You can listen to a live audio feed from Montana over at OFA’s blog. We’ll have a round up of the event once it’s over.

Tomorrow President Obama will hold a health insurance reform town hall in Grand Junction, CO. The focus of discussion? Exorbitant out-of-pocket expenses, co-pays and deductibles.

Once the Senate goes into recess on Friday, all the Members of Congress will be in their home districts, traveling their home turf and talking to their constituents about health reform.

Today ThinkProgress shared a strategy memo distributed by a volunteer with the Tea Party Patriots, one of several right wing, Republican groups working to delay and ultimately kill reform.

Their strategy? Stand up and shout. According to recent reports, their tactics have resulted in “…screaming constituents, protesters dragged out by the cops, congressmen fearful for their safety” and meetings “marked by angry, sign-carrying mobs and disruptive behavior.” Most of these actions are coordinated by the same lobbyist-run firms who organized “tea party” events last April.

There is no question that an overwhelming number of Americans are in favor of reform that holds the insurance companies accountable, ends unfair practices (like denying you coverage based on a pre-existing condition, or dropping coverage altogether when you get sick) and lowers costs.

More than 1 million people have signed a Declaration of Support of President Obama’s plan and tens of thousands of people in all 50 states have participated in events calling for reform. Make your voice heard – visit our online action center, where you can let your member of Congress know you support reform.