Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 717 and ask for its immediate consideration. Mr. Speaker, for the purpose of debate only, I yield the customary 30…
Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 717 and ask for its immediate consideration.
Mr. Speaker, for the purpose of debate only, I yield the customary 30 minutes to the gentleman from Colorado (Mr. Polis), pending which I yield myself such time as I may consume. During consideration of this resolution, all time yielded is for the purpose of debate only.
General Leave
Mr. Speaker, I ask unanimous consent that all Members may have 5 legislative days to revise and extend their remarks.
Mr. Speaker, House Resolution 717 provides for consideration of H.R. 3522, the Employer Health Care Protection Act. The rule provides for 1 hour of debate controlled by the Committee on Energy and Commerce, equally divided between the majority and minority. One clarifying amendment has been included to clarify that group health plans for the upcoming year can be covered under 2013 plans. The minority is afforded the customary opportunity to offer one motion to recommit, should they so choose. This is a fair rule to allow us to give some relief to Americans who want to keep their health insurance plan but are being told that, because of the Affordable Care Act, they may not.
Mr. Speaker, it seems that the President has quickly forgotten some of the promises he made to the American people about this law. In a June 2009 speech before the American Medical Association, President Obama, addressing the house of delegates, said:
We will keep this promise to the American people. If you
like your doctor, you will be able to keep your doctor,
period. If you like your health care plan, you'll be able to
keep your health care plan, period. No one will take it away,
no matter what.
In March of 2010, the President said:
Your employer, it's estimated, will see premiums fall by as
much as 3,000 percent, which means they could give you a
raise.
It is obvious that both statements were not only nonoperational, they were completely false. Individuals and businesses have experienced or will face in the future the loss of current health insurance if it does not comply with Affordable Care Act coverage requirements. The Affordable Care Act is, quite simply, a job killer. Employers are reducing hours and limiting pay increases just to keep up with the demands of the law.
Just a few weeks ago, the Federal Reserve Bank of New York reported that over half of employers are changing insurance in response to the Affordable Care Act. These changes aren't being done for the benefit of the employees. All across the country, employees have lost doctors, seen premiums rise, seen hours cut, or had their coverage dropped. This will continue as long as the Affordable Care Act continues with the benefit mandates, burdensome taxes, and unreasonable regulation. In fact, employees are paying more in out-of-pocket costs than ever before. Premiums have skyrocketed under the Affordable Care Act, but access to doctors has narrowed.
Today, H.R. 3522 offers a solution to this problem. This bill would allow employer-sponsored plans that were available at any point in 2013 to continue to be offered. This bill would also help protect both employers offering these plans and their employees enrolled in them from the Affordable Care Act's costly taxes and penalties.
The President recognizes that there are serious flaws in his signature health care law, a law that he championed and, in fact, was written at the White House. Since the law was passed, the President has signed seven bills into law that repealed parts of the Affordable Care Act, bills that passed both the House and the Senate, went to the President for his signature, and he signed them.
In addition to these statutory changes, there have been attempts to fix this broken law through a series of unilateral executive orders and regulations. Can we really expect the same administration that wrote this disastrous law to now fix it?
Last year, the President unilaterally decided to delay the employer mandate. Even the administration doesn't believe that businesses and their employees can handle the burdens imposed by the Affordable Care Act.
H.R. 3522 is offering the American people a legal solution to get out from under the crushing demands of the health care law. The law would grandfather in employer plans that existed before the law went into effect. With the passage of this bill before us today, no employee would have to lose their coverage or have their out-of-pocket costs soar because of the Affordable Care Act.
It is clear that H.R. 3522 offers the only feasible lifeline to millions of employees who want to keep their health care plan. It is Congress' job to protect the American people. I urge men and women on both sides of the dais to pass this law so that Americans will have the opportunity to keep their plans and their doctors and reduce their out- of-pocket costs.
To be clear, this bill before us today, if signed into law, will not fix the Affordable Care Act. No piece of legislation, short of a full- fledged repeal, could ever achieve that. The bill we are voting on today serves to stop the hemorrhaging that is occurring as a consequence of this ill-conceived government takeover of the American health care industry. As a physician, I know that sometimes it is important to just stop the hemorrhage if you are going to save the patient. That is what the House of Representatives will do today. I hope all colleagues from both sides of the dais will support this.
I encourage everyone to vote ``yes'' on the rule and ``yes'' on the underlying bill and stand with millions of Americans who are losing their employer health care coverage and access to their doctors, despite what has been promised to them repeatedly by this disastrous law.
I reserve the balance of my time.
Mr. Speaker, I reserve the balance of my time.
Mr. Speaker, I yield myself 2 minutes.
Mr. Speaker, that is an interesting recitation.
I wanted to draw my colleagues' attention to Bloomberg View and an article by Megan McArdle from September 9 of 2014, just a couple of paragraphs in the article that prices--talking about reissue rates-- that prices are not being based on claims data. She points out, and I am quoting here: ``Companies began setting these rates just a few months ago after open enrollment closed, and because so many people bought in the last few weeks, they had no meaningful idea of what their expenses would be, that is, the insurance companies.''
And, further quoting: ``The companies that are coming in are looking to gain market share, not make a profit.''
Continuing to quote: ``The other reason we cannot learn much from these data right now is that for the next year, insurers are operating under the expectation of large subsidies from the Obama administration via the various reinsurance provisions in ObamaCare. These provisions expire in 2016.''
Continuing to quote: ``Right now, it is just not very risky to write a policy that loses money because your losses are capped. Starting in 2017, all that changes. Insurers are going to need to price policies with the expectation of making money and the fear of losing it.''
Mr. Speaker, what Megan McArdle is saying is, right now you don't really know much about the renewal rates on insurance policies because there is distortion in the market because of the reinsurance provisions in the Affordable Care Act.
But I will share this with you. I bought insurance in the Texas Federal fallback exchange. I bought a bronze plan on Blue Cross/Blue Shield. It is the most expensive insurance I have ever had in my life. Trying to plan and trying to budget for next year, I can't because here we sit, September 10, and I do not know what the renewal rates are going to be. And in all likelihood I will not know until around election day, with very little time to plan.
Mr. Speaker, I reserve the balance of my time.
Mr. Speaker, I continue to reserve the balance of my time.
Mr. Speaker, I yield myself 2 minutes.
I just want to address the issue of the insurance companies.
They have never enjoyed the type of unprecedented power that they have today until the passage of the Affordable Care Act. The insurance companies--executives from the insurance companies--meet regularly down at the White House with the Secretary of Health and Human Services. We are not privy to those discussions. We have no earthly idea what goes on in those meetings, but we do know that insurance companies are enjoying unprecedented profits right now since the passage of the Affordable Care Act. Their profits have increased. Their stock prices have increased.
Why is that? It is because of the individual mandate that was included in the Affordable Care Act.
No longer do insurance companies need to be interested in the longitudinal relationships with their insureds. You have got to buy what they are selling. Don't even get me started on their own narrow networks, which can restrict patients' abilities to see a doctor or to go to a hospital, to see who they want, to buy the medications that they need or to be reimbursed for the medications that they need. A lot of that has gone out the window. Talk about people with preexisting conditions. Most of us buy on price. Since we buy the lowest-cost price on the Bronze plan, we find ourselves now confined by narrow networks.
Who is really now prejudiced against a person with a preexisting condition under the current arrangement?
This bill today does not undo the Affordable Care Act, but it provides one more little measure of sanity for patients who wanted to keep their insurance policies before this regime took over.
I reserve the balance of my time.
No, I have no additional speakers. I am prepared to close.
Mr. Speaker, I yield myself the balance of my time.
In 2006, the Democrat manifesto, ``A New Direction for America,'' states:
Bills should come to the floor under a procedure that
allows open, full and fair debate, consisting of a full
amendment process that grants the minority the right to offer
its alternatives, including a substitute.
The fact remains that, when the Democrats took control of the House, they did precisely the opposite.
Throughout the 111th Congress, which was the final 2 years of Representative Pelosi's time as Speaker and which was the first 2 years of the Obama administration, the House never considered a single bill under an open rule. That is the definition of a closed process. Under Republican control, the House has returned to the consideration of appropriations bills under an open process with 22 open rules.
This year, the House has considered 404 amendments, 189 of which were offered by the Democrats. When you compare the record of the Republican majority and the most recent Democratic majority, any fair analysis will show that the Republicans are running a more open, transparent House of Representatives.
One word on the previous question: defeat of the previous question would not allow any of these proposals that we have heard about today to be considered because they would not be germane to the rule, so I do urge my colleagues to support the previous question.
Today's rule provides for the consideration of a critical bill to protect millions of Americans who are facing the loss of their employer-sponsored health insurance and that they were promised--a promise is a promise--they were promised they could keep.
I certainly thank my colleague from Louisiana, Dr. Cassidy, for his thoughtful piece of legislation and his work in this effort.
With that, I yield back the balance of my time, and I move the previous question on the resolution.