Mr. Speaker, I include in the Record a letter from the American Cancer Society, which states cancer patients and survivors need affordable, accessible insurance coverage with no preexisting condition exclusions or annual and lifetime caps…
Mr. Speaker, I include in the Record a letter from the American Cancer Society, which states cancer patients and survivors need affordable, accessible insurance coverage with no preexisting condition exclusions or annual and lifetime caps and that high-risk pools have failed to meet these basic needs.
American Cancer Society
Cancer Action Network,
Washington, DC, May 3, 2017.
Hon. Paul Ryan,
Speaker of the House, House of Representatives,
Washington, DC.
Hon. Nancy Pelosi,
Minority Leader, House of Representatives,
Washington, DC.
Dear Speaker Ryan and Minority Leader Pelosi: The American
Cancer Society Cancer Action Network (ACS CAN) is deeply
concerned about the reports of additional amendments to the
American Health Care Act (AHCA), including one that would
allegedly add $8 billion in new spending for state high-risk
pools. This amendment is particularly egregious because it
would further incent states to apply for waivers from
current-law market rules that protect patients with pre-
existing conditions.
Historically, state high-risk pools have fallen short of
providing coverage of prevention, treatment and follow-up
care for cancer patients and survivors. Segmenting people
with cancer and other serious illnesses away from the private
marketplace and into high-risk pools absent an adequate and
permanent source of public funding has never been an adequate
solution.
Between 1976 and 2010, 35 states created high-risk pools to
cover individuals who could not otherwise purchase insurance
in the private market, usually because of a pre-existing
condition. Every one of those risk pools experienced net
operating losses year after year. Furthermore, high-risk
pools did not result in lower premiums. All of them set
premiums above the non-group market average or standard rate
in the state, usually by 150-200 percent. Only a few states
provided additional premium assistance for low-income
individuals, leaving many who could not afford premiums
priced out of the program. Most states also imposed waiting
periods before covering pre-existing conditions. An
individual with a prior cancer diagnosis often had to wait 6-
12 months before the high-risk pool would cover the costs
associated with cancer treatment or follow-up survivorship
care. Most states imposed limitations on coverage with either
lifetime or annual limits. And most plans offered deductibles
of $1,000 or higher. Neither AHCA, nor the new amendment
would fully protect patients from any of those conditions.
Cancer patients and survivors need insurance coverage that
is affordable, readily accessible, and protects them from
pre-existing condition exclusions, annual and lifetime caps
on coverage and extraordinary out-of-pocket costs. Past
experience has shown that high-risk pools failed to meet
these basic needs, yet still were a drain on state budgets.
As we have indicated in our earlier letters, there are
reasonable fixes that could be made to the current law. We
stand ready to work with you to develop policies that improve
the law and encourage a robust health insurance market that
provides affordable and comprehensive coverage options.
Sincerely,
Christopher W. Hansen,
President.
Mr. Speaker, I oppose this cruel bill on behalf of my constituents, especially those it would hurt the most: people with preexisting conditions, older Americans, veterans, and lower income people.
If this bill passes, we will go back to the days when people with preexisting conditions could be denied coverage or charged more, when insurers could decide whether or not to cover basic care like hospitalization, and when sick babies might hit their insurer's lifetime coverage limit before they could even walk.
Under this bill, older Americans will pay more. In fact, Americans aged 50 to 64 would pay premiums five times higher than others. Veterans will lose access to tax credits that make private coverage affordable, and lower income people will be hurt.
Taking away Medicaid expansion would put affordable coverage out of reach for millions and set us back in the fight against the heroin, fentanyl, and opioid crisis.
Instead of this cruel bill, let's come together to improve health care, not take health insurance away from millions just to give tax credits to the wealthiest. We are better than that.