Mr. President, the debate which will come to a close this week has, in one sense, been going on for a year. But in another sense, it has been going on for a century. In 1912, Theodore Roosevelt campaigned on the promise of a national…
Mr. President, the debate which will come to a close this week has, in one sense, been going on for a year. But in another sense, it has been going on for a century.
In 1912, Theodore Roosevelt campaigned on the promise of a national health insurance program. Workers, Roosevelt said, are entitled to a basic standard of protection from injury and illness.
Wherever such standards are not met by given
establishments, by given industries, are unprovided for by a
Legislature, or are balked by unenlightened courts, the
workers are in jeopardy, the progressive employer is
penalized, and the community pays a heavy cost in lessened
efficiency and in misery.
Well, since Teddy Roosevelt said that, Presidents and Members of Congress from both parties, seeing the same costs Theodore Roosevelt saw in the failure to assure health care for all, have grappled with this issue.
These attempts at reform have largely fallen short. They have foundered for many reasons: Health care is personal and complex. The timing was wrong or the politics were difficult. Leaders on all sides failed to find the compromises that would have enabled them to move forward. But the recurring theme is that time and again, reformers have failed to overcome the enormous obstacles that those who profit from the status quo have been able to erect. Because we have fallen short in the past, Americans today face a health care system that costs too much and too often delivers too little.
In our United States today, mothers and fathers wonder what else they can cut from the family budget to afford yet another increase in their health care premiums. Parents file for bankruptcy because their insurance fell thousands of dollars short in providing for a child's lifesaving treatment. Nearly two-thirds of bankruptcies in this country involve medical costs, and more than half of those involve people who had insurance.
Small business owners eliminate health coverage for employees because they cannot afford another year of massive premium increases. Thousands of Americans who woke this morning with health care insurance will go to bed tonight without it.
Despite those tragic facts, entrenched interests have sought again to prevent reform to consign our Nation to an unsustainable status quo because what is good for the American people will not necessarily profit some company.
The health insurance industry has dominated health care decisions in this country for too long. How often have our constituents come to us with stories of insurance companies that deny them coverage of necessary treatment? How often have our constituents told us of insurance companies that deny coverage because of preexisting conditions or canceled coverage because of minor inaccuracies the company conveniently discovered just after diagnosis of a serious and costly illness?
It is time to end the unhealthy dominance of the health insurance industry. So I will cast my vote again against those entrenched interests and my vote will be for health care reform. I hope our colleagues will do the same.
We have the opportunity to finish the task of overcoming the entrenched opposition to do what so many Presidents and so many Members of this body have fought for decades to accomplish.
The months of debate have been difficult. They have too often been filled with too much heat and too little light, with exaggeration, with half-truth, with untruth, with innuendo designed to obscure rather than to inform.
That is no different in many ways from some previous debates on major reforms. When Congress approved Social Security in 1935, one Republican Senator warned that it would ``end the progress of a great country.'' When Medicare was debated in 1965, one critic charged that cooperating with the plan would be ``complicit in evil.'' Scare tactics of the past proved absurd, but they worked.
Now we get more scare tactics. A number of our Republican colleagues continue to claim this is a big government takeover of health care. The American Medical Association supports this health care plan. Surely the American Medical Association is not a supporter of a government takeover of health care. Then we are told this will hurt Medicare. Yet the association that represents more seniors than any other, AARP, endorses this health care plan.
The scare tactics are coming at it again, but there is a difference. While scare tactics were able to derail health care reform in the past, scare tactics are just not working this time. The American people have expressed their disapproval of wild, inaccurate claims in many ways, including personal conversations with most of us.
It is true that because health care is so complex, because changes must be phased in and transition periods are often necessary, many of the benefits of this bill will not take effect for some time. But improvements in health care for millions of Americans will take place almost immediately.
After President Obama signed this bill into law, small businesses immediately got a tax cut to help defray the cost of providing insurance to their employees. Within 3 months of the signing yesterday, the bill will allow people with preexisting conditions to access a special fund to help cover the gap until insurance exchanges, where they can obtain coverage, become operational. And retiree health plans will qualify for a reinsurance program to help lower cost. In October, the Federal Government will begin helping States set up agencies to help consumers choose new health plans or to challenge unfair decisions by their current insurance plan. Eventually, those agencies will help consumers enroll in insurance exchanges that will help millions of people find dependable coverage that meets minimum quality standards at a price they are more likely to afford. Within 6 months of the President's signature yesterday, insurance reforms will begin to take hold. New health plans will be required to let women see an OB/GYN without seeking insurance company approval. They will be prohibited from denying coverage to children based on preexisting conditions and required to allow children to remain on their parents' policies until age 26. Insurance companies will have to provide preventive care without copays or deductibles, and they will be barred from setting lifetime coverage limits. Those historic improvements in our health care system will take place within the first 6 months after enactment of this legislation.
More sweeping changes will come with full implementation of this bill's provisions. We will protect Americans of all ages from denial of coverage based on preexisting conditions, from annual limits on treatment, from exorbitant out-of-pocket costs, and from confusing and opaque language that disguises the cost or the scope of coverage. We will even require insurers to give customers a rebate if those insurers don't spend enough revenue on patient care. We will fill the Medicare
doughnut hole that hurts many seniors.
At its heart, this bill and its improvements in this reconciliation effort aim to tackle the central problems of our health care system-- rising costs and the insecurity many Americans rightly feel about the lack of dependability of their insurance.
The cost of health care already exceeds the ability of many American families to pay, will price more and more families out of the system if it continues to rise, and will present enormous problems for the Federal budget if not contained. We can and we will make the health insurance system work for those who already have coverage by holding down those unsustainable increases in premiums. In ways large and small, we attempt to tame this beast that threatens to swallow family budgets and our Federal budget.
How are we going to do this?
I ask the Chair how many minutes I have remaining.
I thank the Chair.
Mr. President, even though health care experts believe these measures are going to help lower costs for families and the government, the CBO is not even taking into account the savings which will come into existence by ending wasteful subsidies to insurance companies using Medicare Advantage, by requiring Medicare Advantage to spend at least 85 percent of revenue on benefits, and by other kinds of savings. Some of those savings cannot be figured out precisely by the Congressional Budget Office. So they are prudent. They don't even take those savings into account. But what they do, obviously, take into account and do count are savings which will lead to $140 billion for the Federal budget in the first 10 years and $1 trillion over the next decade. Those savings are real savings. Those are savings which they can figure out and cost.
We are going to subject investment income of the Nation's wealthiest families with incomes over $250,000 to the Medicare tax. We are going to impose a moderate Medicare tax increase on those who have that kind of earned income, over $\1/4\ million.
This bill cracks down on artificial financial structures. I commend the Finance Committee, Senator Baucus and his colleagues. They are cracking down on artificial financial structures with no economic substance whose only purpose is to allow their users to avoid taxes. The Finance Committee has struggled with that issue for years. They have been trying to do this for years. They have succeeded. We pick up an awful lot of revenue that is owed to Uncle Sam by ending this kind of loophole which has allowed wealthy individuals to avoid paying taxes through the use of artificial financial structures that have no economic substance, whose only purpose is to avoid paying income taxes.
We will take an enormous step with the passage of this reconciliation bill, joined with the bill the President signed yesterday. Leaders of our country--from Franklin Roosevelt to Harry Truman, Richard Nixon to Ted Kennedy--have fought so hard for these kinds of reforms. We are finally going to provide health insurance to millions of Americans who do not now have it, and we are going to protect those workers who Teddy Roosevelt warned nearly 100 years ago were in jeopardy unless every American had health insurance.
Opponents of reform are vocal. They are strident. We are going to hear amendment after amendment being offered in an attempt to derail this effort. I hope our colleagues will answer history's call and make the real and lasting changes these bills provide, which will improve the lives of our citizens in ways we have been struggling to do in this Senate for decades and long before many of us got here.
To those who continue to oppose reform, let me ask some questions. Isn't it long overdue to end discrimination based on preexisting conditions? The American people believe we should. So do I. Isn't it long overdue to end the insurance industry practice of rescissions, the denial of coverage to those who paid for it? The American people believe we should, and so do I. Should we not do something about the thousands of Americans who are forced into bankruptcy because of health expenses even though they have insurance they thought would protect them? The American people believe we should, and so do I. Should we not take strong steps to rein in enormous, ever-growing health care expenses, expenses that threaten to put health care out of reach for more and more Americans and to bankrupt our Nation? The American people believe we should. So do I. And should we not clear the way for 32 million Americans who do not now have health insurance to obtain it? The American people believe we should, and so do I.
I hope we will join together this week and do what so many before us have tried and been unable to do--to reform a system that leaves so many of our fellow citizens in jeopardy. I urge approval of this bill, this essential reconciliation bill, passed by the House as part of a package of historic legislation to finish the task of bringing landmark change to American health care.
I yield the floor.
Madam President, I make this request as chairman of the Senate Armed Services Committee. I would note that this unanimous consent request is supported by my ranking member, Senator McCain.
We have three commanders scheduled to testify this afternoon. They have been scheduled for a long time. They have come a long distance. One of them has come from Korea; one of them has come from Hawaii. I would therefore ask unanimous consent that the previously scheduled, currently scheduled hearing of the Committee on Armed Services, be allowed to proceed and that we be authorized to meet during the session of the Senate on Wednesday, March 24, 2010, at 2:30 in open and closed session to receive testimony from ADM Robert Willard, U.S. Navy, Commander U.S. Pacific Command; from GEN Kevin P. Chilton, U.S. Air Force, Commander of the U.S. Strategic Command; and from GEN Walter Sharp, U.S. Army, Commander U.S. Forces Korea, in review of the defense authorization request for fiscal year 2011, and the future years defense programs.
Senator McCain supports this request. I understand it is not likely there will be any votes on the floor until 5:30 this afternoon.
I move to lay that motion on the table.
The motion to lay on the table was agreed to.
Enzi Motion To Commit
I move to lay that motion on the table.
The motion to lay on the table was agreed to.
Amendment No. 3639
Mr. President, I move to reconsider the vote, and I move to lay that motion on the table.
The motion to lay on the table was agreed to.
Amendment No. 3652