Hillary's health care plan does force pretty much everyone to buy insurance. It's limits appear to be hinged to a percentage of income, returned in the form of Tax Credits. He who already can't pay his bills can afford not one tenth of a percent more for Health Insurance. That ad is spot on.
Kind of a silly sticking point, anyway, if you ask me. Yes Hillary's plan is more Universal, but: Neither plan will
ever become law anyway.
While Hillary busts Obama's balls about the 15 million people he doesn't force to buy insurance out of one side of her mouth; she accuses him of liking the idea of a Single Payer System out of the other (which, of course, he does). In other words; he's not left enough, despite being too left.
If you want to bring costs down; Single Payer has to be the End Goal
and my guess would be that both candidates would prefer this system if it seemed feasible to get it passed. If this is so; then both Clinton and Obama are compromising and their respective guestimates of how much compromising is necessary is the only real difference in their philosophies
which is of course what we're supposed to be comparing... since neither is running for King.
Now, before the free-market advocates yell foul, for suggesting a single payer would bring costs down, let me explain. The Mandatory Insurance game perpetuates the same single biggest problem with health care we face today:
It is more profitable to treat disease than it is to cure it. Take Diabetes, for instance. We're going to spend well over a trillion dollars maintaining it over the next decade (really)(and that's just in the U.S.). This is BIG BUSINESS! If you are a test strip, insulin pump, or syringe manufacturer; Diabetes is your friend! If you are one of the 20 to 30,000,000 Americans who have it; Diabetes is your enemy. Insurance, by designs, will spread this cost to each and every one of us. We're talking over $500 a year from every man, woman and child in this country, just to maintain Diabetes alone (really). This means a single payer could put out an absolutely extraordinarily massive reward for a cure (think billions and billions) and still come out ahead in its very first year.
Far be it for me to begrudge other man's profits; but if that profit is hundreds of billions of dollars derived from the suffering of tens of millions of people, who may indeed be suffering in vain, I think it's high time we consider a better alternative. Medicine, like Law Enforcement, is an issue that should transcend the need for profit, and should be dealt with accordingly.
I believe both Obama and Hillary would agree with me, wholeheartedly and without reservation. I further believe Obama is more likely to sell it to both the American people and the Congress of the United States.