House of Representatives
I thank the gentleman for yielding me this time. Mr. Speaker, this is Insure the Uninsured Week, and for me as a physician and Chair of the Health Brain Trust of the Congressional Black Caucus, ensuring health coverage to everyone is a…
I thank the gentleman for yielding me this time.
Mr. Speaker, this is Insure the Uninsured Week, and for me as a physician and Chair of the Health Brain Trust of the Congressional Black Caucus, ensuring health coverage to everyone is a priority every day.
And so I want to be very clear that I rise in strong support of providing small businesses and their employees access to high-quality health insurance that is truly affordable. That is why I oppose H.R. 4281, the Association Health Plan bill, and support the Kind-Andrews substitute.
We in the minority caucuses have spent a great deal of time looking at the issue of insurance, of how we can allow small business associations to come together to pool their purchasing power to buy quality health coverage at the lowest possible cost. We examined the AHPs. I did not originally sign on to the bill, but after a closer look at what it would do and as a physician who understands how important it is to do no harm, I removed my name from what I consider a harmful bill.
In H.R. 4281, the base bill, AHPs would be exempt from State insurance regulations and consumer protections. They would increase health care costs for most small business employees, cause premiums to rise for those outside of the AHP market, and eventually not lower, but increase, the number of uninsured in small business firms.
While AHP supporters will insist that this will not happen, by removing these important protections, the major harm this bill can do is too great a risk to take. We are talking about workers' health; we are talking about their lives. There is a better way to provide this insurance which will not harm, and that is the Kind-Andrews substitute. It would establish an employer health benefit plan similar to the Federal employees' health benefits, which would contract with state- licensed health insurers to offer an insurance package for employees of businesses of fewer than 100 employees.
Unlike the underlying bill, this better Democratic substitute will keep these small employer plans subject to State health insurance and consumer regulations and protections. It would provide small businesses and their employees access to high-quality health coverage; and by ensuring that the risk is spread, that everyone is included, not keeping sicker employees out, it keeps it truly affordable.
As a member of the Committee on Small Business since coming to this Congress, I am for helping small businesses. This substitute does that. H.R. 4281 will not.
I urge my colleagues to join the more than 150 organizations, including all of the prominent civil rights organizations, in opposing H.R. 4281. Instead, I urge them to vote for the Kind-Andrews substitute. Let us make sure we cover this important group who are over 60 percent of all the uninsured; and above all, let us do no harm.