Mr. President, I move to proceed to Calendar No. 627, S.J. Res. 63. Mr. President, just over a year ago in this Chamber, three brave Republican colleagues--Senator John McCain, Senator Susan Collins, and Senator Lisa Murkowski--joined all…
Mr. President, I move to proceed to Calendar No. 627, S.J. Res. 63.
Mr. President, just over a year ago in this Chamber, three brave Republican colleagues--Senator John McCain, Senator Susan Collins, and Senator Lisa Murkowski--joined all Democrats in voting against healthcare repeal legislation. They listened to the families of their States.
I, too, voted against that repeal legislation because the people of Wisconsin did not send me to Washington to take away their healthcare. When congressional Republicans tried to pass repeal plans that would allow insurance companies to charge more for preexisting conditions, families across our country fought back.
When the Republican majority tried to charge older Americans an age tax and make people pay more for less care, people let their voices be heard and sent a loud message to Washington: Protect our care. They sent us all a clear message that they want us to work across party lines to protect the healthcare guarantees they depend on and to stand up for those with preexisting health conditions. Yet defeating the legislative efforts that would have made things worse for families didn't end the threat to the American people.
The Trump administration has been trying to do what congressional Republicans couldn't. They have been sabotaging our healthcare system and rewriting the rules on guaranteed health protections and access to affordable care that millions of Americans have today. This sabotage has created instability in the healthcare market, contributing to widespread premium spikes in 2018.
This administration ended the critical cost-sharing reduction payments that made healthcare more affordable for almost 90,000 Wisconsinites. The Trump administration again slashed funding for outreach efforts to help people sign up for healthcare.
Trusted navigator programs like those in Wisconsin have had their funding cut by nearly 90 percent in the past 2 years. This will mean fewer people in rural Wisconsin will receive the support they need to obtain affordable coverage this year.
It doesn't stop there. The Trump administration has even joined Wisconsin's Governor and Wisconsin's attorney general and other States in going to court to support a lawsuit that would take away guaranteed protections for people with preexisting conditions. If they succeed, insurance companies will again be able to deny coverage or charge higher premiums for the more than 130 million Americans with a preexisting health condition. In fact, if the Affordable Care Act's protections for people with preexisting conditions are struck down in court, Wisconsin is among the States that has the most to lose.
According to the Kaiser Family Foundation, one out of every four Wisconsinites has some sort of preexisting health condition, and they simply cannot afford to have the healthcare they depend on threatened with higher costs or coverage denials.
The Trump administration has expanded junk insurance plans. These plans are cheap for a reason; they do not have to provide essential health benefits like hospitalization, prescription drugs, and maternity care.
According to the fine print of one of the plans sold in several States, including my home State of Wisconsin--marketed by the Golden Rule Company--the plan doesn't even have to cover hospital care on a Friday or Saturday. It will be just your bad luck if you happen to get sick and need healthcare on the weekend. The very first exclusion states that it provides no benefits for a preexisting health condition. The fine print also notes if you are pregnant, that will be considered a preexisting health condition.
These junk insurance plans can deny healthcare coverage to people with preexisting conditions when they need it the most, and that is why I am leading this effort in the U.S. Senate to take action and stop this sabotage.
This is personal to me. When I was 9 years old, I got sick. I was really sick. I was in the hospital for 3 months. I eventually recovered. When it came to health insurance, it was as if I had some sort of scarlet letter. My grandparents, who raised me, couldn't find a policy at any price that would cover me--not from any insurer--all because I was a childhood branded with those words: ``preexisting condition.''
This is also personal for Chelsey from Seymour, WI, whose daughter was born with a congenital heart defect. Right now, Zoe is guaranteed access to coverage without being denied or charged more because of her preexisting condition.
Chelsey wrote me during that debate last year: ``I'm pleading to you as a mother to fight for the kids in Wisconsin with pre-existing conditions that are counting on you to protect that right.''
No parent or grandparent should have to lie awake at night wondering if the healthcare they have today for themselves and their families will be there tomorrow. With the expansion of these junk plans, that fear could become a new reality for far too many families as healthy people leave the market, increasing premiums for everyone.
Children like Zoe may not be able to find any plan that her parents can afford or that will cover the care she needs. No family should be forced to choose between helping a loved one get better or going bankrupt.
Before the Affordable Care Act, too many families had to make that choice. Before the healthcare law, I heard from Sue from Beloit, WI. Sue's husband was diagnosed with lung cancer. They quickly found out their insurance plan had a $13,000 limit on radiation and chemotherapy. That covered about one round of chemotherapy. When they needed to continue treatment, Sue and her family used all of their savings, and then they maxed out all of their credit cards. When they were facing insurmountable credit card debt, she told me: ``I had no choice but to file bankruptcy.'' Sue's husband later died.
We can't go back to the days when insurance companies wrote the rules, just as we cannot allow the Trump administration to rewrite the rules on guaranteed healthcare protections that millions of Americans depend on.
More than 20 of the leading healthcare organizations in America, representing our Nation's physicians, patients, medical students, and other health experts, are supporting this resolution to overturn the Trump administration's expansion of junk insurance plans. They are doing so because these junk plans will reduce access to quality coverage for millions and increase costs.
These junk plans will charge people more for coverage based on their preexisting conditions or deny them coverage outright. These junk plans will leave cancer patients and survivors with higher premiums and fewer insurance options. These junk plans will force premium increases on older Americans.
I have heard my colleagues on the other side of the aisle say that they are committed to protecting people with preexisting conditions. Now is your chance to prove it. Anyone who says they support coverage for people with
preexisting conditions should support this resolution to overturn the Trump administration's expansion of these junk insurance plans.
This is an opportunity for Democrats and Republicans to come together to protect people's access to quality, affordable healthcare when they need it the most. Let us join in seizing the opportunity to do what is right by the American people.
I yield.
Mr. President, I ask unanimous consent that the following documents concerning the rule submitted by the Secretary of the Treasury, Secretary of Labor, and Secretary of Health and Human Services relating to short-term, limited duration insurance be entered into the Record: a letter to Congress from 113 health organizations expressing concerns with the rule, a letter from the National Association of Insurance Commissioners requesting a delay in implementation of the rule, a short-term medical plan brochure from the Golden Rule Insurance Company outlining the policy's coverage exclusions, and a news article from 2014 illustrating the lack of consumer protections in short-term limited duration plans.