Joe Biden is the latest candidate to talk about health care on the campaign trail. Speaking at the Families USA Health Care Forum, Biden said, "national health insurance is needed for America to be competitive in the global economy. Biden raked the Republican presidential field for not focusing on health care plans in their campaigns, calling them 'Bush clones' on the issue of health care.

"Biden's plan is not a universal health-care plan," emphasized Moran, but is actually "a way for employers to more easily provide health care." The plan has four parts: (1) Cover all Children; (2) Access for Adults; (3) Reinsurance For Catastrophic Cases; (4) Encouraging Prevention and Modernization. Health insurance companies would not be required to pay for anything above $55,000 for catastrophic injuries or illnesses; the government would pay the rest.

The Florida insurance consultant said "Biden differs from the rest of the Democratic field because he does not require mandates." By bringing in catastrophic health insurance, Biden says he believes he keeps employers wanting to stay involved (since 60 percent of Americans covered are covered by their business) and health insurance costs lower for the American public.

Like Senator Clinton's plan, Biden said illegal immigrants would not be covered. "No undocumented alien would be covered under what I propose here," Like many of his Democratic rivals, Biden's plan costs between $90 billion and $120 billion: $50 billion for catastrophic health insurance; $13 billion more for SCHIP; $18 billion to $20 billion for sliding scale of access to federal employees' health insurance; and $18 billion to $20 billion for those who want to buy into Medicare at age 55.

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