Madam Speaker, I yield myself such time as I may consume. (Mr. ANDREWS asked and was given permission to revise and extend his remarks.) Madam Speaker, I rise in strong opposition to this bill. The chairman of the committee is precisely…
Madam Speaker, I yield myself such time as I may consume.
(Mr. ANDREWS asked and was given permission to revise and extend his remarks.)
Madam Speaker, I rise in strong opposition to this bill.
The chairman of the committee is precisely right, that the problem of massive amounts of people not having health insurance is the central problem in health care. Most of the 41 million
Americans who have no health care who are adults work for a living. And most of those adults who work for a living work for a small business, so there is an intuitive appeal to an argument that says let us help make it easier for small businesses to acquire health insurance.
In fact, the substitute that the gentleman from Wisconsin (Mr. Kind) and I will be offering later in this debate does that, and we would urge our colleagues to support that.
The reality, though, is that small businesses who do not provide health care for their employees do not do so because the gap between what they can afford to pay and what they have must pay is huge. It is immense. Even the most optimistic proponents of this bill admit that the premium savings that could be generated by this bill will slender indeed, usually in the single digits of percentage points, if that.
The reality is small businesses are not going to be able to afford to expand health care without significant public subsidies. That is a fact. The majority has drained well in excess of $2 trillion from the public Treasury with its insatiable appetite for tax cuts, and as a result, there is no money in the till. There is no money to provide those necessary subsidies. So this is the fig leaf. This is the shallow argument that says we can do something to help those small businesses.
Frankly, this bill belongs in the Orwellian hall of fame for misnomers of a piece of legislation. It is called the Small Business Health Care Fairness Act. With respect to small businesses, it provides nothing in subsidies for employers who cannot afford health insurance, not a dime. It provides for market reforms that offer an illusory and ultimately empty promise of lower premiums.
It is not a health care bill because what it does is supplant benefits that have been provided by State legislatures across this country by Republicans and Democrats, benefits that guarantee women breast cancer care, benefits that guarantee people with diabetes care for their illness, benefits that guarantee pregnant women and small children important care, benefits that protect consumers when they have been wronged by their HMO. Because this bill invalidates and wipes out those protections, the National Governors Association, Republicans and Democrats, oppose this bill. Because this bill invalidates those protections, the Attorneys General of a huge majority of the States oppose this bill. Because the bill eliminates protections for mammograms, for diabetes care, for well baby care, wipes them out, the insurance commissioners across this country oppose the bill.
It is not a health care bill. It is a political bill designed to paper over the fact that the majority already spent the money it needs to provide real relief.
Finally, it is called fairness. Where is the fairness in creating two sets of rules for those who attempt to buy health insurance for their employees? Because that is what this bill does. It sets up one set of rules where all the protections and regulations and safeguards that most people enjoy are wiped off the books for AHPs, and then another set of rules where the remaining insurance companies must compete on an unlevel playing field. Many of us who support the substitute believe in market competition, but we believe in market competition on a level playing field. That is not what this bill does.
One of the of the most respected health care analysis firms in this country, Madam Speaker, Certified Public Accountants and Associates, looked at this bill and that firm concluded that the chairman would have to change one of his charts because he started with a chart that says there are 41 million uninsured. If this bill is enacted, the chairman will have to change his chart and X out the 41 and put 42 uninsured, because that firm has concluded that the net effect of this bill will be to drive up the premiums for insurance companies who are not AHPs, drive them up so high that it will result in the loss of coverage for one million more Americans.
This bill is an illusion. It should be defeated. Later in this debate, the gentleman from Wisconsin (Mr. Kind) and I will be presenting a substitute which we believe truly addresses the real needs of small businesses in America's uninsured.
Madam Speaker, I reserve the balance of my time.
Madam Speaker, I yield myself 15 seconds.
Madam Speaker, I think it is important to point out for the record that the gentleman did admit that the benefit protections like mammogram screenings are, in fact, wiped out by the bill before us.
The bill before us will take away health coverage for more than 1 million people and add to the uninsured.
Madam Speaker, I yield 3 minutes to the gentleman from Wisconsin (Mr. Kind), who has offered a plan that will actually decrease the number of uninsured, which we will talk about later.
Madam Speaker, I yield such time as he may consume to the gentleman from California (Mr. George Miller), the leader of our committee and one of the leading opponents of this plan that would take health care coverage away from 1 million people.
Madam Speaker, I yield 4 minutes to the gentleman from North Dakota (Mr. Pomeroy) who, as a former insurance commissioner from North Dakota, has direct experience with AHPs running out of money and not paying their claims.
Madam Speaker, I yield 3 minutes to the gentlewoman from New York (Mrs. McCarthy).
Madam Speaker, I yield myself 30 seconds. The gentleman is correct. At the end of the day, the question is whether one has health insurance or not. At the end of the day if this bill is enacted, 1 million more people will not have health insurance than do today because of the damage that this bill does. That is one of the reasons why State legislators across this country oppose this bill. Our next colleague is someone who served in the Minnesota State legislature, who fought for laws that protect women against discrimination. She will point out that this law does not do that.
Madam Speaker, I am happy to yield 3 minutes to the gentlewoman from Minnesota (Ms. McCollum).
Madam Speaker, one of the Members who is opposed to expanding the ranks of the uninsured by 1 million people and, therefore, opposes this bill is the gentleman from New York (Mr. Meeks) to whom I yield 3 minutes.
Madam Speaker, I yield myself 30 seconds. I want to again reemphasize that the objective analysis of this bill, contrary to what we have heard repeatedly today, is that it will increase the number of uninsured persons. It will do so because those who are not in AHPs who must still comply with the mandated benefits and other consumer protection laws will experience an escalation in premiums which will cause a reduction in coverage. We believe the record is clear, that the passage of this bill will increase the number of uninsured persons by 1 million people.
Madam Speaker, I reserve the balance of my time.
Madam Speaker, for all the reasons we have stated, we oppose the bill.
Madam Speaker, I yield back the balance of my time.
Mr. Speaker, I would like to thank the gentleman from Wisconsin (Mr. Kind) for all the leadership he has shown on this, all the hard work he has done, and his usual, thoughtful approach to this problem.
Understand the desirability of the substitute versus the underlying bill. It would be helpful to think of a person who runs a tool and die shop with a dozen employees, or a cafe with 15 or 20 employees. Under the majority's Republican underlying bill, the most optimistic people believe there would be about a 15 percent premium savings for that employer. I think that is unduly optimistic, but let us give them the benefit of the doubt.
In my State, it costs about $6,000 to provide a health care package for an individual, and about $12,000 for family coverage. That means for that individual plan, the price would drop from $6,000 down to about $5,100. For the owner of that tool and die shop or that cafe, even if that price drop would occur, it is not nearly enough to afford the premiums that would be involved.
The majority's bill provides zero to the owner of that tool and die shop or that cafe to help them buy those premiums.
The substitute goes to the majority's budget resolution, identifies, as the majority did, $50 billion over 5 years, without any increase in taxes or revenues, as the gentleman from Wisconsin (Mr. Kind) just said, and uses that $50 billion creatively and wisely to provide subsidies to what we estimate would be 5 million employers and 16 million employees.
The person running the tool and die shop or the cafe, even if you are right, and we think you are wrong, meaning the majority, even if that person enjoys a reduction in premiums from $6,000 down to $5,100, it is not enough to increase coverage.
The plain fact is this: people who are employing people at the bottom of the wage ladder in low-margin businesses are not going to be able to afford the price of health insurance unless there is a significant subsidy. That is a fact. It is a fact the majority would choose to ignore, because the majority has taken over $2 trillion from the public Treasury that could be used to address the problem of 41 million uninsured people and flushed that money away. This substitute is an appropriate way to close that gap.
I also again want to reiterate that we believe you do not have to make this false choice between people being covered, as our various States would have them covered, with mammogram protection, with diabetes care, with prenatal and well-baby care. You do not have to make the choice between providing those vital benefits and no coverage at all.
The Mercer study shows that the underlying bill from the majority will result in an increase of 1 million people to the ranks of the uninsured. Eight million people, the CBO now tells us, will move from regular protected plans into these new unprotected, at-risk AHPs. We will get the worst of both worlds: eight million people for whom there is no guaranteed coverage against breast cancer, against diabetes, against the other diseases and conditions people worry about, and an increase in the number of uninsured.
The plan that the gentleman from Wisconsin (Mr. Kind) has taken the lead on would do the opposite. It will address the real needs of the owner of that tool and die shop and the real needs of the owner of that cafe by providing him or her with a meaningful subsidy that would help purchase health insurance benefits for his or her employees. There is a 5 million person difference when it comes to employers, a 16 million person difference when it comes to employees, and all the difference in the world when it comes to the approach here.
The plan the gentleman from Wisconsin (Mr. Kind) has put forward will work. It will work within the contours of the majority's own budget resolution. It provides real help and real aid to those who need it, not the empty promise of the majority's bill.
I urge our colleagues on both sides of the aisle to support the Kind substitute.
Mr. Speaker, would the gentleman yield?
Mr. Speaker, would the gentleman care to cite the source of that statistic?
Mr. Speaker, I thank the gentleman for yielding me this time.
I understand there are variations in plan costs around the country. I would once again say, however, that the most enthusiastic proponents of the AHP plan do not talk about a reduction of the magnitude that the chairman of the full committee just talked about; they talk, at best case, about a 15 or 16 percent premium reduction.
If you live in a market that has a $6,000-per-person premium, which I do, that is nowhere near a $2,700 reduction which the chairman's phone calls have uncovered.
I yield to the gentleman from Ohio.
Mr. Speaker, reclaiming my time, what premium benefit then would the chairman claim would result from this bill?
I yield to the chairman to tell us what premium benefit he predicts would result from the underlying bill.
Fifteen and 30 percent. That is a new number for us, Mr. Speaker.
Mr. Speaker, would the gentlewoman yield?
Mr. Speaker, and it is also true, is it not, like I said to my colleague from Minnesota, that in the underlying bill that the majority offered, that each one of those State protections that the gentlewoman just outlined would be invalidated?
Mr. Speaker, if the gentlewoman would further yield, what the gentlewoman is saying is that if the insurance industry chooses to keep these protections, it may; but if it chooses not to, the person who is covered under the plan does not get any of the coverage the gentlewoman just spoke of; is that correct?
Mr. Speaker, if the underlying bill becomes law, 4 million American women who presently are guaranteed breast cancer care will only have it if the insurance companies they move to decide to let them have it. We can change that by voting ``yes'' on this motion to recommit. The question is simple: Do we want our mothers and our sisters and our daughters and our
wives to rely upon the whims of the insurance industry or the power of our votes? If you want to guarantee that this care goes forward, the only way to do it is to vote ``yes'' on the motion of the gentlewoman from New York. I urge a ``yes'' vote.
Mr. Speaker, I demand a recorded vote.