Mr. Speaker, I thank my friend for the time. In March of 2010, the President signed the Affordable Care Act. In that law, there was a revision that said on January 1 of 2014 if insurance plans did not have important consumer protections,…
Mr. Speaker, I thank my friend for the time.
In March of 2010, the President signed the Affordable Care Act. In that law, there was a revision that said on January 1 of 2014 if insurance plans did not have important consumer protections, like getting rid of lifetime policy limits and annual limits, that they couldn't be sold anymore.
For over 3\1/2\ years, the insurance industry had noticed that the day was coming when they could not sell these plans anymore. They chose to wait until the last couple of weeks to send out notices to millions of Americans saying they couldn't renew their plans next year. This is unfair to those Americans, and it is a problem that ought to be fixed.
The President has stepped forward with a plan to address this to help those Americans. I support what he is doing. The House Democrats will have an opportunity to put on the floor some votes that will further improve that situation as this debate goes on.
This problem of people having their policies canceled is unwarranted and unwelcome, and we should work together to fix it. The underlying bill here does not fix the problem; it creates a problem.
It is very important to understand what the underlying bill does. It says that insurance plans that discriminate against you because you are a woman or because you had skin cancer, or insurance plans that say that in the middle of your chemotherapy you can run out of coverage, or insurance plans that say that after you paid your premiums for months or even years the insurance company can cancel you because you got sick, those plans can continue to be sold to everyone--to everyone.
The problem that we are trying to address is people that have such plans and want to keep them be given the opportunity to keep them. That is what
the President's decision does, which is why we support it.
The underlying bill says that these plans can be opened up to anybody who wants to buy this. That sounds kind of fair at first glance. If someone wants to buy that kind of plan, shouldn't they be able to?
Well, ladies and gentlemen of the House, here is the question: If someone buys a plan that pulls the plug on their chemotherapy in the middle and they keep getting care, who pays for it? The taxpayers do and the other premium payers do. That is who pays for it.
This plan that is before the House today, this Republican bill, is a guarantee of rate shock for the American people because here is what will happen.
If anyone who wants to can buy one of these cars without an airbag or cars without seatbelts--and that is what these plans are--then you will find that the new marketplaces don't have enough people in them. When they don't have enough people in them, the rates will rise. When the rates spike for people in the marketplaces, they will spike for people who get employer-sponsored health care because the possibility of the marketplaces is already reducing the premium increases that employers are seeing.
I thank the gentleman.
So the employer rates, which have risen at the slowest rates in the last 5 or 6 years, would once again be subject to the kind of spikes that happen here.
Look, I think there is bipartisan agreement in this Chamber this morning that if someone has gotten a cancelation notice, we want to help that person keep their plan if they choose to keep it. We agree with that, the President agrees with that. That is what he set out to do.
What we do not want, and what this bill does, is to guarantee rate shock, guarantee a premium spike for Americans, whether they are in these plans that we are talking about today, whether they are in the new marketplaces, or whether they receive insurance through their employer. We need additional protections where insurance commissioners around this country can step forward and investigate arbitrary and unfair practices, where they can protect consumers, and House Democrats are going to put forward such an opportunity to vote on that at the conclusion of this debate.
Let's not in the guise of solving one problem magnify another one. We should oppose this rule and oppose the underlying bill.
Mr. Speaker, I have a motion to recommit at the desk.
I am opposed to the bill.
Mr. Speaker, and my colleagues, we have listened to the many stories told by people this morning with great empathy about people
who got a cancelation notice and want to keep the policy that they have.
The issue before the House is whether we want to solve the problem or create another problem. That is the issue. If we want to work together, as we should, to solve the problem of Americans receiving cancelation notices and not being able to keep policies that they have, it requires us to do three things.
First, we have to legally authorize insurance companies to offer these policies on into the future. The Democratic plan which I have proposed does that and, frankly, so does Mr. Upton's bill.
The second thing that we have to do, though, is make sure that the insurance companies offer the plans for sale. It really does you no good at all if you have the right to buy a plan that the insurance company refuses to sell.
Mr. Upton's bill is mute on that point. It might be called the ``Insurance Companies Bill of Rights'' because they have the right to do or not do anything they choose, but the people that we all say that we want to protect really have no rights at all. This is an important distinguishing point in the plan that I am offering now, and I would urge everyone to support.
We have drawn from language offered by my friend from Illinois (Ms. Schakowsky) which requires State insurance commissioners around this country to be vigilant protectors of consumers, rather than corporate apologists for insurance companies.
Our plan says that if someone's cancelation was arbitrary and thoughtless and unfair, the insurance commissioner must act and protect the people that we heard read in those letters today.
Our plan says that if rate increases are discriminatory, if you got a rate increase because you are a woman who is pregnant, or you got a rate increase because you had skin cancer, or breast cancer, or diabetes, that the insurance commissioner must act and protect the consumer against that indignity.
It does you no good that this bill is called the ``Keep Your Insurance If You Want To Bill.'' It should be called the ``Keep Your Insurance If You Want To And The Insurance Company Allows You To Bill.'' We are correcting that wrong and remedying that wrong with our plan.
Thirdly, it doesn't do any good to give people the chance to renew their plans if that renewal results in a huge premium increase for everyone else in the country. That is what the underlying bill does.
The underlying bill says that these plans, which I would really equate to selling an automobile with no airbags and no seatbelts--now, our plan says, look, if you want to keep driving a car with no airbags and no seatbelts, you can keep driving, but people can't sell a car with no airbags and no seatbelts to a new consumer, which is what the underlying bill permits.
Now, when that happens, here is what is going to happen. People in the new State marketplaces are going to see a huge increase in their premiums. People who get covered at work are going to see a huge increase in their premiums. It is going to spill over to Medigap policies for seniors and people on Medicare.
The bill really should be called the ``Guaranteed Premium Increase Act of 2013'' because that is what it is.
Our bill corrects that by saying, let's help the people we say we want to try to help, people who like their plan and want to keep it, not everyone that the insurance company could dupe or lure into buying a car with no airbag and no seatbelts.
Finally, working together means not forgetting about some other people who write letters we haven't heard much about today, the family that Mr. Doyle talked about, whose daughter has cancer, who has an insurance policy, but has to have a beef and beer or a golf tournament to raise money to pay their bills. I want to help that person and not repeal the Affordable Care Act.
How about the woman who had breast cancer 10 years ago and can now be told, we are sorry, you can't buy an insurance policy. You have got to pay more if you do. I want to help her by banning discrimination based on preexisting conditions.
If we really want to work together, let's adopt this plan. Let's really help the people we say we are trying to help, and not the insurance industry of the United States of America.
I yield back the balance of my time.
Point of Order
I do, Mr. Speaker.
Mr. Speaker, my understanding is my friend, the chairman's objection is based on the principle of germaneness. The underlying bill, by its very title, purports to protect Americans who have received a cancelation notice for a policy that they want to keep.
Now, there is a disagreement here over how to protect those Americans. The underlying bill does not have requirements that State insurance commissioners act to protect those individuals. Our plan does. Our plan does.
This is a disagreement over the means to protect American consumers. The underlying bill says we will trust the insurance industry. Our bill says, no, we will enforce the insurance laws.
I would respectfully submit this does not rise to a difference in germaneness. This is a difference of opinion. The bill on the floor purports to protect the Americans that I talked about. We think it doesn't. Our plan does protect those Americans in a different way.
The underlying subject matter of this bill is how do you protect Americans who wish to keep the insurance plan that they have. We believe we have a more effective way of doing that. The majority disagrees. The House deserves a vote on that. No technicality, no procedural nicety should deny us the chance to take a vote on whose plan is right. We should proceed with this vote.
Mr. Speaker, I respectfully appeal the ruling of the Chair.
Mr. Speaker, on that I demand the yeas and nays.
Mr. Speaker, I have a motion to recommit at the desk.
I am opposed to the bill.
We come here as stewards of a very sacred trust--to look after the people that are the backbone of this country. We are having this debate this afternoon because we have all heard from men and women across this country who are very upset that an insurance policy that they want to keep has been canceled.
These constituents are very upset and very troubled, and we are brought here to work together to figure out a solution to that problem.
What is the solution?
First of all, they ought to have the ability to have their insurance companies offer them the policies for sale. Frankly, the underlying bill does that, and so does the plan that I am presenting.
Secondly, there ought to be some way that the insurance companies are given some incentive at the very at least, direction, to sell the policy. It doesn't do you a whole lot of good to have the right to buy a policy that the insurance company is not selling, and this plan has some measures which make it more likely that insurance companies would do that.
Thirdly, to solve that person's problem, we have to make sure that in solving his problem we are not creating another one; that by permitting these policies to be sold for another year, which this does, that we are not spiking the premiums of people in the exchange marketplaces or of people who get their insurance through work.
I have heard a number of Members say that they want a chance for us to work together to solve this problem. Here is that chance because this plan does the three things that I just talked about, but this plan, I think, is different than the underlying bill because this is not a step to unravel the Affordable Care Act; it is a step to improve it--which is the fundamental question, and there are some other people whose stories ought to be told here this afternoon, too.
There is a family this weekend that is having a social to raise money to pay the medical bills for their son or daughter who has cancer, because the insurance policy they thought they had stopped paying their son's or daughter's bills. Their voice should be heard. If you repeal the Affordable Care Act, their voice is silenced.
There are women in this country who go to try to start a business. They try to buy an insurance policy, and they are told, We won't sell you one because you had children or you are a female or you had breast cancer 10 years ago. If you repeal the Affordable Care Act, her voice is silenced.
Mr. Speaker, there are sons and daughters of Americans who are 22, 23 years old who didn't have health insurance before because they couldn't get that first full-time job who now have health insurance because they are on their moms' or dads' policies. If you repeal the Affordable Care Act, their voices will be silenced.
There are senior citizens who used to run out of drug coverage, prescription coverage, around Labor Day because the Medicare doughnut hole popped up. Because of the Affordable Care Act, they are now able to buy their prescriptions at an affordable price and are now able to pay their prescription bills until the end of the year. If you repeal the Affordable Care Act, their voices are silenced.
We come here this afternoon to solve the problem of Americans who want to keep their coverage but who have had it canceled. We want to work together to solve that problem. That is what this plan does.
When we look at women being turned away because of preexisting conditions, we will not be silenced. When we look at 22-year-olds who will lose their coverage if you repeal the Affordable Care Act, we will not be silenced. When you look at seniors who will lose the ability to pay their prescription drugs if you repeal the ACA, we will not be silenced.
We are here to solve problems, not to create them. If you want to work together in a way that improves this law, we are your able and willing partner, but if the intention is to unravel this protection for the American people, we will stand, we will speak, we will fight, and we will oppose every such effort.
Vote ``yes'' for this motion and ``no'' on the underlying bill.
Mr. Speaker, on that I demand the yeas and nays.
Mr. Speaker, I demand a recorded vote.