Health Insurance Marketplace Modernization And Affordability Act Of
Mr. President, I am going to be here numerous times this week. This legislation is too important to have it shortcut. There is not enough time in the debate to say it all at one time. Last night, this body had the opportunity to vote on…
Mr. President, I am going to be here numerous times this week. This legislation is too important to have it shortcut. There is not enough time in the debate to say it all at one time.
Last night, this body had the opportunity to vote on proceeding to changes to the liability crisis that exists in health care today, but the minority denied us the ability to move forward. They denied the ability of the American people to hear an honest debate, to consider thoughtful amendments, and then to judge up or down on the content of the legislation.
They had two opportunities: liability that was reform for all medical professionals; and, then, liability that was only changed for those who are OB/GYNs--that next generation of medical professionals who are going to deliver our grandchildren and our great-grandchildren, that profession that is going to regenerate the population of this country and, in fact, is suffering today because of the high rate of liability costs for the premiums they have to have.
Now we are here. We are in debate--30 hours of debate--to see if we can proceed on a bill to bring small business group health insurance reforms into law, to enable small businesses in America to be able to price insurance for their employees in the same way large corporations are able to produce products for their employees.
Today, small businesses' choice is between nothing and nothing. It is not something and something. It is nothing and nothing. And what will we do? We will debate, for 30 hours, whether we should proceed. Some don't believe this is important enough or, if it is important enough, that there ought to be all sorts of changes to it that are unrelated to these millions of Americans for whom their employer cannot afford to provide health care. Why? Because they are not big. The marketplace discriminates because they are small.
Let me give you some statistics about North Carolina. In North Carolina, 98 percent of firms with employees are small businesses. Ninety-eight percent of my employers are shut out of the ability to negotiate a reasonable cost of health care for their employees. Because of that, their employees have a choice between nothing and nothing.
We will have 30 hours of debate to see if we are going to proceed in this body to provide something versus nothing--not something and something. How can anybody object to providing a choice of something for those who do not have an option today?
Additionally, in North Carolina, we have 1.3 million uninsured individuals. And 898,000--almost 900,000--North Carolinians are uninsured individuals in families or on their own with one full-time worker. Those are all individuals who potentially could be covered under an individual or a family plan.
Of the 1.3 million who are uninsured in North Carolina, 900,000 could be affected with this one piece of legislation in the Senate. But for the next 30 hours, we will debate whether we proceed or never get to the process of an up-or-down vote; in other words, it is a choice as to whether we keep them with nothing and nothing and the uninsured numbers stay at 1.3 million or, in fact, we are going to provide something for North Carolina--900,000 people who today have nothing provided for them.
Later today, I am going to come to this floor, and I am going to read for my colleagues real letters, handwritten letters--handwritten letters--from people who live in North Carolina, whose choice is nothing and nothing. These are individuals who have the same health needs, individuals who would like to have health insurance but whose employers cannot afford it today, who want the opportunity in employer- based health care, but because of the way the system is designed today, it is not achievable because it is not affordable for them.
We are here today and tomorrow, and we ought to be here as long as it takes to make sure Americans at all levels have choices between something and something. These 30 hours will determine, in fact, whether this historic institution will provide that for the American people or we will walk away; whereby, once again, the American people will be denied because some in this body do not believe there is a responsibility to move to a point where there is an up-or-down vote. Truly, people can look and say: You have my future in your hands. My health security is in the hands of the Senate, the Members of the Senate, and whether they are going to, in fact, respond to that.
Well, I think people in North Carolina desperately want choice. I think they desperately want this bill. They want their employers to have the opportunity to be able to look at health insurance and to find it affordable. Why? Because that is their security. That is their ability to have coverage.
My hope today is that the outcome of this legislation will not be a quick death such as last night with medical liability reform. We all agree health care is too expensive. We disagree on what the solutions are. But to end up with nothing, to deny the ability to move forward, to deny the ability for the American people's voice to be heard through the amendment process on this floor is disgraceful.
My hope is after these 30 hours we will proceed, we will have a robust debate on the amendments, and, at the end of the day, the American people will have an opportunity for an up-or-down vote in the Senate.
Mr. President, I yield the floor.
Mr. President, the chairman has brought a carefully crafted piece of legislation to the Senate floor, one that took a tremendous amount of skill to negotiate and one that has incredible support--more support when the bill passed out of committee than it does today. Why? Because people now fear it might become law. People fear this might pass, and they never believed it would. What does it do? It brings additional competition to the marketplace, but more importantly, it brings health care coverage to Americans who have no coverage today.
Why are we here today, on Tuesday afternoon at almost 5 o'clock? Because the Senate is in a 30-hour debate about whether we are going to be willing or able to proceed. We are not even on the bill yet; we are in a procedural mode which requires us to have a vote to proceed to consider whether we are going to have a debate on this bill, S. 1955, a bill that changes the choices of the uninsured population in America.
The choices they have today are nothing and nothing. Under any scenario, you would have unanimous support to change that. But there are actually people who are against that up here, but not across the country. As a matter of fact, in this poll done by Public Opinion Strategies in March of this year, over 80 percent of the people polled overwhelmingly support small business health plans; in other words, they support this legislation--the effort to bring new choices of products that are affordable to small businesses, to employers, and, more importantly, to the employees they hire.
In North Carolina, we have 671,000 small businesses. Ninety-eight percent of firms with employees are small businesses in North Carolina. Don't let anybody come to the floor and tell you that this bill does not have an effect except on a select group of people. It may be a select group of people, but it is 98 percent of the employers of North Carolina. Women-owned small businesses have increased 24 percent in North Carolina since 1997, Hispanic-owned small businesses have increased 24 percent since the same date, Black-owned small businesses have increased 31 percent since 1997, and Asian-owned small businesses have increased 74 percent since 1997. These are companies which benefit from this legislation. These are companies which today can't afford the premium costs of health insurance; therefore, their employee base goes without. They are in that category of uninsured that so many people come and talk about on this floor, but they talk about uninsured without the solution as to how to cover them.
This is a population which in some cases today is on Medicaid. They work full-time. Their income level qualifies them for Medicaid. And what would be the incentive for them to get off of Medicaid? It would be if their employer has the option to offer them health care the way the majority of America is now provided health care: through their employer. But we are here in 30 hours of debate trying to decide whether we are going to allow Members to come to the floor and debate a bill and offer amendments which will allow us to switch from nothing and nothing to nothing and something, which will allow us to inject something, some ray of hope into the millions of Americans who don't have coverage today.
Let me read a few letters. I think it is always helpful to hear from people whom this affects, the human face behind the issues that sometimes we lose on this floor simply because we don't want to talk about names or pictures.
This is a woman from Sunbury, NC. She wrote me in mid-April of this year. I am just going to read some pieces. She says:
Support SBHP legislation, S. 1955. I feel that this is very
important because I haven't had health insurance in many
years, because my employer doesn't have access to affordable
insurance to offer us.
Some suggest on this Senate floor that is not the case, that everybody has the opportunity to have health insurance. ``I haven't had health insurance in many years.'' Why? ``Because my employer can't afford what is available.''
Another letter received in April of this year from a young lady in Elizabeth City, NC:
Please support Senate bill 1955, the Health Insurance
Marketplace Modernization and
Affordability Act. My employer cannot afford health insurance
for their employees. My husband works for Ford. They are
closing his plant soon. We will have no insurance unless my
employer offers it. I have premature twins. They were born 3
months early. It costs me $2,000 a month to feed them. That
does not include any doctor's appointments we have to go to.
I feel that this is a great bill.
What is America looking for? They are looking for hope. They are looking for us to produce a product out of this institution that actually fulfills their needs. I don't know how it can be any clearer.
It is not offered to me today, because my employer can't
afford the options that are in our marketplace.
What do we do? We create new options that are affordable. That is, in fact, what the chairman is trying to do with this bill.
Here is a third letter, also from Elizabeth City but a different business. It says:
Small businesses need help with insurance--
In big bold letters--
I am now paying $986 per month for my wife and myself. This
is for only 60 percent coverage and a $2,500 deductible. I
know people with group insurance who are paying $600 a month
for 80 percent coverage and a $250 deductible. Many of those
have dental insurance as well. My policy provides none.
Please vote for this bill. Allow small businesses to have
coverage equal to employers of other companies.
That is all we are doing. We are using the scale of what people who have a tremendous amount of employees can do, and that is they can go to insurance carriers and they can negotiate for products based upon the volume of their employees. But how does a small business owner do that when he has five or six or seven employees? Well, it is real simple. We allow them to band together. We allow them to band together into a common association, and we allow that association to then market their entire association based upon the volume.
Another letter that I received on April 6 says:
As a small business owner, it is important to enable some
economy of scale in allowing franchises to obtain more
affordable health care coverage.
The last one I am going to read is quite unique.
As a professional photographer, I have seen firsthand the
difficulty that my fellow professional photographers face
when attempting to purchase health insurance on their own. S.
1955 would allow photographers and other independent business
owners to band together across State lines and purchase
health insurance. Having this as an option and choice will
improve our access to quality health care and help control
costs through competition.
These letters are from people on the front lines. They are from employees whose employers can't offer coverage today because it is not affordable. They are from individuals who own businesses and would like to offer coverage to their employees. They are even from photographers, people whose lives are in their hands every day in a camera, but they cannot afford the individual costs of health insurance in today's marketplace.
In North Carolina, we have 1.3 million uninsured North Carolinians. Of that 1.3 million, almost 900,000 uninsured individuals are in families or are on their own where one person at least works full-time. With the passage of this bill, 900,000 of the 1.3 million uninsured in North Carolina could potentially be offered health insurance. We can narrow it down from 1.3 million to 400,000 individuals who are uninsured in North Carolina with the passage of one simple bill, or at least they would have the option to be able to purchase it for once. Ninety-one percent of workers in large firms of 1,000 employees or more have health insurance, yet 66 percent of workers in small businesses defined as 10 employees or fewer have health insurance. Well, if you remember the North Carolina numbers, I said 98 percent of firms with employees were small businesses. Think of the millions of Americans who are going to be touched by the passage of this one piece of legislation that provides them choice. Where today their choice is between nothing and nothing, tomorrow their choice is between nothing and something.
Why are we here? We are here for 30 hours of debate--not debate on the bill, not debate about the amendments, debate about whether we are going to move forward. We do that at a time when--I just went back and did a quick calculation on the back of my calendar--we have 76 legislative days left between now and adjournment. That is assuming we have productive days on Fridays and Mondays, and as the chairman knows, Fridays and Mondays are not always productive in the Halls of Congress. People are either slow to get here or quick to leave. If you take out Fridays and Mondays, we are down to 45 days. But we are going to spend 30 hours trying to decide whether we are going to move forward to debate this bill, and we will spend another 30 hours after we file cloture on the bill to get to a point where we can have an up-or-down vote, if, in fact, we get that far.
Last night, we voted on two medical liability bills--medical liability that covers the entire medical professional world--and last night, we were denied the ability to proceed and to debate the legislation, much less amend it. The second bill is legislation in which--and I think the American people would be shocked at this--we were denied the ability to move forward to debate or amend legislation that limited the liability to OB/GYNs in America, a specialty we are losing specialists out of every day, where every year people aren't continuing to practice. But we will spend 30 hours debating whether we proceed to debate not necessarily the merits of the bill--and my hope is that the chairman will be successful, and I will be beside him arguing every step of the way, because without this, these Americans don't have hope of a choice of anything other than nothing and nothing.
Mr. President, I yield the floor.