Mr. President, I am deeply concerned by warnings from leading health insurance companies and State insurance commissioners that the Trump administration is now deliberately undermining the Affordable Care Act, leaving insurance plans no…
Mr. President, I am deeply concerned by warnings from leading health insurance companies and State insurance commissioners that the Trump administration is now deliberately undermining the Affordable Care Act, leaving insurance plans no choice but to sharply raise premiums or exit the marketplaces.
I understand--I think we all do--that the Affordable Care Act continues to experience stresses and that it needs to be strengthened. There is no doubt about that. I have been saying from the beginning that we need to correct what is not working, that we need to keep what is working, and that we need to work together to change it. Yet, in 2016, there were abundant signs that the law was working and that insurance markets were stabilizing.
For instance, in my State of New Hampshire, health insurance premium increases last year averaged just 2 percent. That is the lowest annual increase in history. Today, it is a very different picture. Because of the efforts of the Trump administration to undermine the Affordable Care Act, insurance companies in New Hampshire and across the country face widespread uncertainty. Many of them are deciding that they have no choice but to protect themselves by drastically increasing premiums.
This week, there was a report in the New Hampshire Union Leader, which is our State's largest newspaper, that premiums in New Hampshire could increase by as much as 44 percent. Now, President Trump says that the Affordable Care Act is ``exploding,'' but let's be clear. If ObamaCare is exploding, as President Trump says, it is because this administration lit the fuse and has been working aggressively to undermine the law.
We can see on this poster what is being reported in other parts of the country. In the LA Times, we see that health insurers and State officials say that Trump is undermining ObamaCare and pushing up rates and that health insurers plan big ObamaCare rate hikes, and they blame Trump.
Perhaps the greatest damage has been done by the administration's refusal to commit to funding cost-sharing subsidies, which are the Federal subsidies that help millions of people pay for coverage. To protect themselves, many insurance companies are preparing two sets of premiums for next year--one premium level if the administration agrees to fund the cost-sharing subsidies and a second, dramatically higher premium level if the administration says no to cost-sharing subsidies.
More broadly, the administration's mixed signals and erratic management of the Affordable Care Act are causing uncertainty in the marketplace. Paul Markovich, the CEO of Blue Shield of
California, has said that health plans are being forced to raise premiums to compensate for all of the turmoil.
It gets worse.
Last week, the Los Angeles Times reported that Seema Verma, the Administrator of the Centers for Medicare and Medicaid Services, shocked a meeting of insurance industry executives by threatening to cut off funding for cost-sharing reductions unless insurers agreed to support the House Republicans' bill to repeal the Affordable Care Act-- the bill that was passed several weeks ago.
Washington State Insurance Commissioner Mike Kreidler criticized the administration's actions as playing Russian roulette with Americans' health insurance coverage. He said: ``This has real impact on people's lives.''
One insurance company executive said this about the administration's actions: ``There's a sense that there are no hands on the wheel, and they are just letting the bus careen down the road.''
Physicians and other healthcare professionals live by a time-honored pledge to do no harm, but the Trump administration is pursuing a course that will do tremendous harm to millions of Americans who have gained health coverage for the first time because of the Affordable Care Act. Unless and until Congress repeals the Affordable Care Act, it is the law of the land, and this administration has a responsibility to administer this law with fairness, with rigor, and with competence. The administration certainly does not have the right to take active steps to undermine or even sabotage the law or to threaten insurance companies with such steps if they do not support the repeal of ObamaCare.
It is time for the administration to reconsider its approach to healthcare reform. To date, regrettably, the administration's approach has been highly partisan, with no outreach to Democrats. Instead of a ``do no harm'' approach, instead of taking steps to fill President Trump's pledge that we are going to have insurance for everybody--and he came through New Hampshire on multiple occasions during his primary campaign and during the general election campaign. What he said about health insurance was that we were going to make sure that everybody has it; we are going to make sure that they pay less and that they get quality coverage. The administration now seems determined to take health coverage away from tens of millions of Americans.
The Congressional Budget Office estimated that the House Republicans' bill--the first one--to repeal the Affordable Care Act would take coverage away from 24 million Americans. Yesterday, the administration proposed a budget that would cut Medicaid by as much as $1.3 trillion over the next decade. That would end coverage for millions of low- income Americans, people with disabilities, and so many of our elderly in nursing homes. In New Hampshire, where we are really on the frontlines of the heroin and opioid epidemic, it would end treatment for many people who are getting treatment for their substance use disorders because of the expansion of Medicaid.
When we think about the people who would be hurt by this, it is unconscionable to hear Office of Management and Budget Director Mick Mulvaney say: ``There is a certain philosophy wrapped up in the budget, and that is that we are no longer going to measure compassion by the number of programs or the number of people on those programs.'' I disagree with that view. By deliberately taking healthcare coverage from 24 million Americans, it shows the lack of compassion of this administration.
This is not about numbers. He is right about that. This should not be about numbers. This should be about people, about their families, and about what these proposals will do to everyday Americans who will no longer have access to affordable health coverage. Whether they have preexisting conditions or whether they need to get treatment for cancer, for substance use disorders, or for whatever their healthcare needs are, under this proposal, they are not going to be able to afford it. Millions of Americans will not be able to afford it.
I think there is a better way forward. Instead of tearing down the Affordable Care Act and taking health coverage away from people, we should be building on the gains and on the achievements of healthcare reform.
On that score, I want to share an extraordinary letter to the editor that was written by Carol Gulla, of Newmarket, NH.
I am reading her letter:
I was in good health; why bother with a physical?
That was my mentality for years before the Affordable Care
Act (aka Obamacare). I work for a small nonprofit business,
so we don't qualify for group health insurance plans. An
annual physical wasn't included in the high premium, high
deductible plans that were available to me on the individual
health insurance market so they were often a luxury. But it
was OK; I felt great! Why bother with doctors?
Because of the Affordable Care Act, last June I went for a
routine physical. During [the exam] a lump was discovered in
my breast. Ten days later, breast cancer was diagnosed. . . .
Fast forward to today. I've just completed my final
chemotherapy treatment and my prognosis is very positive.
That physical saved my life.
Let me restate that--Obamacare saved my life.
That crucial physical in June would not have happened had
it not been an essential preventive service included in all
health plans under the ACA. While not perfect, my insurance
through the ACA is far better than anything available to me
as an individual in the past.
Ms. Gulla's letter continues:
Up until this point I have been pretty quiet about my
diagnosis simply because I didn't want cancer to be the main
topic of every conversation I had. But, with the Republican
majority in Washington, including Secretary of Health & Human
Services Tom Price, promising to repeal the ACA, being quiet
is no longer an option. I am being asked to entrust my health
and well-being to hollow promises of it will ``be replaced by
something better; it will be great.'' Forgive me if I'm
skeptical!
This is my life we're talking about! Do not tell me to be
patient. Do not tell me to ``wait and see.'' Either outline a
. . . plan for improving the Affordable Care Act, or leave my
health insurance alone!
She signs it with her name, Carol Gulla, of Newmarket, NH.
I think we need to listen to Carol and to so many other people like her all across America.
Instead of allowing this administration to undermine and even sabotage the Affordable Care Act, we in the Senate need to work together, Democrats and Republicans, to strengthen the parts of the Affordable Care Act that are working in the real world, including Medicaid expansion, and to fix what is not working. According to multiple recent polls that I have seen on this issue, this is what the great majority of Americans want us to do. It is time for us to listen to the American people.
The Affordable Care Act has had a profoundly positive impact all across America, but it needs commonsense repairs and it needs strengthening. Mend it, don't end it, and certainly don't sabotage it. This should be a bipartisan focus in the Senate. I intend to do everything I can to encourage such a bipartisan effort. I know my colleagues on both sides of the aisle would be willing to do this important work if they understood how much the American people want to see us do this.
We know that the Affordable Care Act has had positive impacts in each of our States, including giving people peace of mind, knowing they can't be denied coverage based on preexisting conditions. So let's work together. Let's ensure that the Affordable Care Act works even better in the future for all Americans.
Thank you, Mr. President.
I yield the floor.
Mr. President, will my colleague yield for a question?
Those numbers came out while I was speaking on the floor, because I was talking about the first House-passed bill to repeal the Affordable Care Act. What the Senator from Illinois is telling me is that the numbers for the bill they passed to fix the first bill they couldn't pass are just as bad and in some ways even worse than the original bill.
Well, that was going to be my followup question. In New Hampshire, we have the second highest percentage of overdose deaths in the country. We lose more people in New Hampshire to deaths from overdoses of opioids and fentanyl and heroin than we do to car accidents. And an overwhelming percentage of people--over 90 percent-- are getting treatment for their substance abuse disorders through the expansion of Medicaid, which has been a bipartisan program in New Hampshire that has covered about 60,000 people, many of whom are getting treatment for substance abuse disorders.
So what the Senator from Illinois is telling me, from the CBO, is that based on the plan that passed the House that Republicans have supported, those people who are getting their treatment--lifesaving treatment for mental health issues and substance abuse disorders--they are going to be kicked off of their plan, and they are not going to have any other option for getting that care.
Mr. President, if my colleague will yield once more, last year we passed the 21st Century Cures Act, which appropriated $1 billion--$500 million this year and $500 million next year--to address the heroin and opioid epidemic we are having, and in the recent passage of the omnibus bill, we got $700-plus million to help us fight this epidemic. So on the one hand, we are putting money in to address it, and on the other hand, we are taking away the treatment people need by passing a healthcare bill that is going to throw people off their treatment and give them no other option to address their substance use disorders.
If I could just add one more group of folks who are going to be affected by this bill that passed the House several weeks ago. That is our veterans. We have millions of veterans in this country who get their healthcare through Medicaid. We have asked these folks to put their lives on the line for this country, and now we are talking about taking away the healthcare they depend on.
I was at one of our community mental health centers in New Hampshire last week and met with a number of veterans who get their care through the expansion of Medicaid. They talked about what it means to be able to get care, to be able to go into that community mental health center and work with the veterans outreach coordinator who works with veterans, trying to make sure they get the help they need. If this bill goes forward, PTSD, which affects so many veterans, would be considered a preexisting condition and they wouldn't be able to get health insurance going forward.
This is bill is nothing but mean-spirited. As the Senator said, all of the efforts to save money in the bill are so money can be used to give huge tax breaks to the wealthiest among us. I don't think that is what Americans want. As the Senator says, we need to work with our colleagues. We need to get a good bill that improves the Affordable Care Act, fixes what is not working, and makes it better.
Actually, the New Hampshire Hospital Association also opposes the bill for the very same reason. We have hospitals at risk if this bill is passed.
There will be. If I could ask one final question because not only is this effort in the Senate happening behind closed doors, but initially it excluded women.
Women are more than 50 percent of this country. We have particular needs when it comes to healthcare. Fortunately, the essential health benefits part of the Affordable Care Act provide requirements for preventive health for women, for mammograms. They cover maternity benefits when you have a baby. They are talking about writing this legislation without taking into consideration the women in the Senate, the women in the country, and what we need to do to make sure we have access to healthcare. That is just unconscionable, added to the fact that it is all being done behind closed doors.
Absolutely. They want to take us back to that.