Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, in our job, we get a lot of books, probably two or three a week at least, and for the last year…
Mr. President, I ask unanimous consent that the order for the quorum call be rescinded.
Mr. President, in our job, we get a lot of books, probably two or three a week at least, and for the last year most of those have been on
healthcare and healthcare reform. A book I received recently is one called ``Demystifying ObamaCare,'' by David G. Brown, who is a doctor. It was helpful enough to me that I thought I would share a part of it with anybody listening. It always fascinates me when we are here talking and maybe somebody is listening.
Page 7 starts out by talking about, ``How Does ObamaCare Look After Seven Years?'' Incidentally, this one is all well documented and footnoted, which is one of the unusual things about this book. It is not just speculation on his part--it is a lot of research that he has done and shared. He says:
ObamaCare actually reduces insurance market competition by
strict rules, regulations, and mandates.
ObamaCare significantly increases healthcare cost by the
way it attempts to assist those who cannot afford coverage.
ObamaCare does not tackle the underlying causes of
increased costs. Instead, it worsens the factors that drive
up the cost of healthcare with the addition of mandates,
regulations, and taxes. ObamaCare does nothing to decrease
the factors that increase costs.
ObamaCare has increased the total number of healthcare
spending. The cost is not $938 billion dollars, but now is
$2.6 trillion dollars over 10 years, or almost 3 times the
original figure.
ObamaCare increases cost for families, businesses, and
individuals for their healthcare. This includes not simply
ObamaCare exchanges but health insurance across the board.
Associated with this, there has been a marked increase in
healthcare premiums, costs for medications, deductibles, and
copays.
There has been reduction of access to care in ObamaCare
plans, i.e. ObamaCare exchanges (insurance does not equal
access).
ObamaCare, to some extent, has reduced the number of
uninsured but not handled the problem of the uninsured
population.
ObamaCare does not effectively address the problems of the
safety net system, i.e. putting new people into Medicaid has
exacerbated the problems for Medicaid, and removes its
original safety net function.
ObamaCare has reduced funding and thus care for programs
for the elderly, Medicare.
ObamaCare has taken the decision making process out of the
hands of patients and their families. It has done so by
removing their freedom to make those decisions.
This is from the book, ``Demystifying ObamaCare,'' by David Brown, who is a doctor.
It goes on later to say:
The individual mandate was instituted as a way to force
patients into having health insurance or else pay a financial
penalty for not having it. The employer mandate, which was
just instituted in 2016 after several delays, was intended to
move those with employer-based insurance into the government
sector. Additionally, the HHS required all individual and
small group policies to meet the ``essential health benefit''
requirements. These benefits were determined by the secretary
of the HHS and required involvement of not simply government,
but also non-government plans. The individual and small group
policies then had to be sold at a more significant cost to
the consumer.
How is the Employer-Based System changed so employees could
be moved into a government system?
Businesses with 50 or more full-time employees had to
provide health insurance approved by HHS or be financially
penalized.
The cost for businesses for the penalties for not providing
insurance was less than the cost of the insurance.
ObamaCare exchanges were there to take in anyone who needed
to have insurance. Employer based mandates were a way of
moving employees out of the employee-based marketplace into a
government program. It is the back door way of having a
government based healthcare system. It was ingenious but
fortunately, for the American people it was flawed.
Yes, Americans in the individual market lost their
insurance (5 million Americans) but the employer-based
mandate was postponed through the efforts of Congress. Many
of the larger companies have self-insured their employees.
The ObamaCare exchange program has been very expensive for
the consumers. It has also significantly limited access to
care i.e. narrowed networks of providers, (doctors and
hospitals). ObamaCare has increased the numbers in Medicaid
but this program itself has severe flaws.
Again, in ``Demystifying ObamaCare'' by David Brown, a doctor, going to page 18, ``What Are the Facts About Medicaid and Medicaid Expansion?''
Costs of Medicaid (total federal and state spending) will
more than double i.e. more than $427 billion to $896 billion
between 2014 and 2024. The costs of this will be borne by the
taxpayers.
The cost of Medicaid to the states has a tremendous impact
on other services. It is often the second most expensive
budgetary item. With Medicaid expansion, there are increased
costs to the states, even in those states, which have
accepted Medicaid expansion and increased federal funding for
it. Other state services may have to be reduced even in
states who have not accepted Medicaid expansion.
Medicaid is actually a safety net for the poorest and most
vulnerable Americans but expansion changes this. It reduces
the access to care for others who are already in the system.
The single adult able-bodied American is competing for care
with those who need the care as a safety net.
It severely underpays doctors and hospitals, and the number
of Medicaid providers are declining. It compensates doctors
an average of 50% less than private insurance. By CBO
estimates, by the time of full implementation of ObamaCare,
one out of every six hospitals will be in the red because of
severe underpayment from Medicaid and Medicare.
Medicaid expansion does not reduce inappropriate
utilization of emergency rooms. A recent study showed
Medicaid patients utilize the emergency rooms for their
routine care 40% more than those who are uninsured.
Medicaid has the worst clinical outcomes compared with any
other medical program. There are worse outcomes including
conditions such as heart disease, cancer, complications from
major surgery, transplants, and AIDS. These outcomes are
independent of patient factors and reflect the program
itself. It may be no better than having no insurance at all.
A recent study comparing Medicaid patients with those who are
uninsured showed no difference in blood pressure, glucose,
and cholesterol levels after two years of observation.
In short Medicaid expansion reduces access to care,
increases cost of care and places people within the program
that has the worst possible outcomes to care.
Going on in ``Demystifying ObamaCare,'' by David Brown, page 25, ``Medicaid Expansion Update: How Does It Stand Today?''
Thirty-one states and the District of Columbia have adopted
Medicaid expansion. Three states have considered it but
rejected Medicaid expansion. The other sixteen states have
refused to participate in it.
Medicaid expansion has increased the Medicaid number from
58 million to approximately 70 million people, 20% of the
uninsured population. It has caused overall expansion of the
number of people in the program.
ObamaCare has increased the number of individuals insured
by allowing them to participate in the existing Medicaid
program. In order to do so, the inclusion criteria for their
enrollments have changed. Medicaid expansion is now based on
age and financial criteria. That includes both the able-
bodied individuals who are able to work and chose not to and
those who were previously involved in the Medicaid safety
net. For example, the lower income mother with children.
It was thought that the states that accepted Medicaid
expansion would have ``free money'' if they participated with
this Federal program. 100% of the costs of adding new
patients were picked up by the federal government with that
figure gradually being reduced to 90% of the cost starting in
2017.
This was for new patients added to Medicaid and not the
existing patient population. States however found that their
Medicaid programs were flooded with new enrollees, many of
which had met the criteria for Medicaid before the ``woodwork
effect.''
The overall expansion of Medicaid with increasing numbers
of enrollees has led to marked increase in spending on
Medicaid and marked increase in total costs for Medicaid.
It goes on with a lot of numbers which have a lot of significance to accountants, but I will skip over those and continue on with his last two points.
Medicaid is associated with the worst possible clinical
success rate across the board for all medical and surgical
illnesses. It is worse than any other program, including any
government programs such as Medicare or any private program.
In certain studies, it has shown to have worse clinical
outcomes than having no insurance at all. No data has
developed during the course of Medicaid expansion to change
these findings.
Medicaid expansion is associated with a huge financial
burden on the states and the cost to the states with Medicaid
expansion has increased dramatically.
Again, at the end of the chapter it shows a lot of references for where he got this information.
Continuing with ``Demystifying ObamaCare'' and moving on to page 31 is ``What are ObamaCare Insurance Exchanges?''
ObamaCare insurance exchanges are federally constructed and
state run markets where individuals and families can purchase
insurance plans. Private healthcare insurance companies
participate but the insurance companies are only able to sell
plans that are acceptable to the Secretary of the HHS. Many
individuals and families then could receive subsidies
provided by the government, (i.e. taxpayers funded
subsidies). The subsidies are [to] be on a sliding scale,
families whose income is up to 400% of the federal poverty
level can be in the ObamaCare exchange ($97,000 dollars a
year for a family of four). The program is tightly regulated
by the Federal Government. The choice is limited to four
plans (bronze, silver, gold, and platinum.) Each state was
required to set up their own insurance exchanges and then
regulate them. If a state
did not set up such an exchange, the Federal Government did
that for them.
``What Effects These Policies Have on Those Inside and Outside the Exchanges?''
The public must know that the exchanges dramatically
restrict patient care by restricting access to care.
Exchanges decrease access by reducing access to doctors and
hospitals. This includes access to some of the most important
specialized care. The exchanges have a limited network of
providers.
The public must understand that they do [not have]
protection from fraud. Some of the most sensitive information
is given to navigators to help enroll people in the
exchanges. The enrollees then become ``fair game.''
The ObamaCare website, ``Healthcare.gov'' does not
automatically verify enrollee's eligibility, i.e., whether
they legally qualify for subsidies. Various sources indicate
that at least 2 million enrollees (some estimates are
significantly higher) are receiving subsidies that they did
not legally qualify for. Douglas Holtz-Eakins, former
director of the CBO, estimates that over the first 10 years
of ObamaCare, overpayments and inappropriate payments could
add up to $152 billion dollars. Who pays the bill? The
American taxpayer. The website, ``Healthcare.gov'' cost
taxpayers $1.4 billion dollars in 2014.
He goes on to explain how that increases the costs for all taxpayers.
I will continue with some of the other lessons in this book at another time. The leader is coming to the floor to speak in a few moments.
What we are trying to do is to find some solutions for the American people so they have access to healthcare--and more extensively than now. I recommend for reading this book called ``Demystifying ObamaCare'' by David Brown. It is very eye-opening. There is a section I will cover later that covers some of the solutions that will be useful.
I yield the floor.
I suggest the absence of a quorum.