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Five Critical Flaws in the Senate Health Care Bill

December 23, 2009 Health Care, Politics, U.S. Law and Policy No Comments

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Dear MoveOn member,

Tomorrow morning, the Senate will vote on its health care bill, and then House and Senate leaders and the White House will meet to negotiate the final bill.

While the House bill is quite strong, the Senate health care bill is seriously flawed. And with negotiations about to begin, we have one last chance to fight for key fixes in the final bill.

Here are five key problems with the Senate bill that must be fixed. Please check this out, then pass it on! Click here to post on Facebook, or here to post on Twitter.

Five Critical Flaws in the Senate Health Care Bill

The Senate bill would:

#1—Deny Americans the choice of a public option. In contrast, the House bill contains a national public option, the key to real competition, greater choice, and lower costs.¹

#2—Leave insurance unaffordable for some lower income and working people. Both bills require virtually all Americans to buy insurance. But even with the subsidies provided, some families could have to pay up to 20% of their income on health care expenses.²

#3—Impose dangerous restrictions on women’s reproductive health care. Unfortunately, both bills do this and the House provision is worse. Both versions would be a dangerous step and neither should be in the final bill.³

#4—Tax American workers’ health coverage to pay for reform. The Senate would pay for part of reform by taxing the hard-won benefits packages of some working Americans. The House, on the other hand, pays for reform with a small surcharge on only the wealthiest Americans—a far better approach.⁴ 

#5—Allow insurance companies to remain exempt from anti-trust laws. Under current law, insurance companies are actually exempt from laws designed to prevent monopolies and price-gouging. The House bill would fix this, but the Senate bill leaves it in place.⁵

Of course, these aren’t the only problems with the bill. Most glaringly, both the Senate and House bill would leave millions uninsured,⁶ a far cry from the vision of universal coverage so many of us have fought for. That remains a long-term goal.

But these five things need to be fixed immediately—and we need to spread the word to make sure House and Senate leadership and the White House get the message we’re counting on them to craft a final bill with these key fixes.

Can you spread the word? Forward this email, and click here to post on Facebook, or here to post on Twitter.

Thanks for all you do.

–Kat, Carrie, Michael, Joan, and the rest of the team

Sources:

1. “Comparing the House and the Senate Health Care Proposals: Public Plan,” The New York Times, December 19, 2009
http://www.moveon.org/r?r=85859&id=18404-9659800-Af6zIRx&t=5

“The House Bill and the Senate Bill,” The Now! Blog, December 21, 2009
http://www.moveon.org/r?r=85861&id=18404-9659800-Af6zIRx&t=6

“Why We Need a Public Health-Care Plan,” The Wall Street Journal, June 24, 2009
http://online.wsj.com/article/SB124580516633344953.html

“Why a public health insurance option is key to saving costs,” Economic Policy Institute, June 25, 2009
http://www.moveon.org/r?r=85866&id=18404-9659800-Af6zIRx&t=7

2. “Assessment of Affordability Provisions in the Exchange in House (H.R. 3962) and Senate (H.R. 3590) Health Reform Bills,” Health Care for America Now
http://hcfan.3cdn.net/46590729111c307ccc_lom6b3a6r.pdf

“Finishing Reform Right: Fixing affordability before the President signs a health care bill,” The Now! Blog, December 22, 2009
http://www.moveon.org/r?r=85867&id=18404-9659800-Af6zIRx&t=8

“Comparing the House and the Senate Health Care Proposals: Individual Mandate,” The New York Times, December 19, 2009
http://www.moveon.org/r?r=85860&id=18404-9659800-Af6zIRx&t=9

“The House Bill and the Senate Bill,” The Now! Blog, December 21, 2009
http://www.moveon.org/r?r=85861&id=18404-9659800-Af6zIRx&t=10

“Senate health bill is launch pad,” Jacob Hacker, December 22, 2009
http://www.politico.com/news/stories/1209/30871.html

3. “Comparing the House and the Senate Health Care Proposals: Abortion,” The New York Times, December 19, 2009
http://www.moveon.org/r?r=85862&id=18404-9659800-Af6zIRx&t=11

4. “Comparing the House and the Senate Health Care Proposals: Paying for the Proposals,” The New York Times, December 19, 2009
http://www.moveon.org/r?r=85863&id=18404-9659800-Af6zIRx&t=12

5. “Comparing the House and the Senate Health Care Proposals: Insurance Regulations,” The New York Times, December 19, 2009
http://www.moveon.org/r?r=85736&id=18404-9659800-Af6zIRx&t=13

6. “H.R. 3962, Affordable Health Care for America Act,” Congressional Budget Office, November 20, 2009
http://cbo.gov/doc.cfm?index=10741

“Patient Protection and Affordable Care Act,” Congressional Budget Office, November 18, 2009
http://cbo.gov/doc.cfm?index=10731

“REPORT: How the Senate Bill Compares to Other Reform Legislation,” Think Progress, November 19, 2009
http://www.moveon.org/r?r=85670&id=18404-9659800-Af6zIRx&t=14

Want to support our work? We’re entirely funded by our 5 million members—no corporate contributions, no big checks from CEOs. And our tiny staff ensures that small contributions go a long way. Chip in here.

Movement in Congress : Oregon Pay Attention!

September 21, 2009 Health Care, Politics, U.S. Law and Policy No Comments

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Brian –

There’s big movement in Congress: Just a short time after President Obama laid out a comprehensive plan for reform, the fifth and final congressional committee has unveiled its health reform legislation.

It’s the furthest we’ve come in generations.

But we can’t let up — we need the President’s call to keep ringing in the ears of Congress — and we need your help to make it happen.

Please click here to call your senators, and to report your call.

According to our records, you live in Oregon. Please call:

Sen. Ron Wyden at 202-224-5244
Sen. Jeff Merkley at 202-224-3753

(Not your senators? Click here to look yours up.)

Call your senators, and tell whoever answers where you are from and that you want them to support the President’s plan. Ask them if they support the plan — and if they do, make sure to strongly thank them.

Don’t forget to click here to let us know what they said.

And if you get a busy signal, it just means that other supporters are calling in too, so please try again to make sure all of our voices are heard.

This movement has brought us to a historic moment where reform is within reach. Now your energy and commitment are needed to get us the rest of the way.

Please call today:

http://my.barackobama.com/SeptemberCalls

Thanks,

Mitch

Mitch Stewart
Director
Organizing for America

Help the Vice President debunk this myth

August 31, 2009 Health Care, U.S. Law and Policy No Comments

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Dear Friend,

Our latest Reality Check video features Vice President Joe Biden addressing the biggest whopper of all: that our health insurance system works just fine and Americans don’t care about reform. Nothing could be further from the truth.

So we’re trying something new. You can help the Vice President debunk this myth by uploading your own video on why reform matters to you. This is an opportunity for Americans of all backgrounds and situations to make the case for reform in your own words.

Watch the Vice President’s video and then respond with your own:

A Reality Check from the Vice President

Need some help? We also have a new online quiz to help set the record straight about health insurance reform. Find out what’s in reform for somebody like you by answering a few questions.

What does reform mean if you already have insurance? What if you don’t? What does it mean if you’re young? If you’re a senior? If you have children?

Take the quiz and then share it — simple tools like this are a great way to cut through the noise and get the facts about reform: www.WhiteHouse.gov/realitycheck/quiz

Thank you,

Nancy-Ann DeParle
Director, White House Office of Health Reform

P.S. No matter your age, where you work, whether you have insurance or not, you’ll be surprised at how much you’ll get out of health insurance reform. But don’t just take my word for it — take the quiz: www.WhiteHouse.gov/realitycheck/quiz

Visit WhiteHouse.gov

Public Health Plan Explained : *Awesome* Cartoon

August 27, 2009 American Voices, Health Care, U.S. Law and Policy No Comments

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Debate about health insurance reform : from the White House

August 13, 2009 Health Care, Obama's Staff No Comments

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Dear Friend,

This is probably one of the longest emails I’ve ever sent, but it could be the most important.

Across the country we are seeing vigorous debate about health insurance reform. Unfortunately, some of the old tactics we know so well are back — even the viral emails that fly unchecked and under the radar, spreading all sorts of lies and distortions.

As President Obama said at the town hall in New Hampshire, “where we do disagree, let’s disagree over things that are real, not these wild misrepresentations that bear no resemblance to anything that’s actually been proposed.”

So let’s start a chain email of our own. At the end of my email, you’ll find a lot of information about health insurance reform, distilled into 8 ways reform provides security and stability to those with or without coverage, 8 common myths about reform and 8 reasons we need health insurance reform now.

Right now, someone you know probably has a question about reform that could be answered by what’s below. So what are you waiting for? Forward this email.

Thanks,
David

David Axelrod
Senior Adviser to the President

P.S. We launched www.WhiteHouse.gov/realitycheck this week to knock down the rumors and lies that are floating around the internet. You can find the information below, and much more, there. For example, we’ve just added a video of Nancy-Ann DeParle from our Health Reform Office tackling a viral email head on. Check it out:

8 ways reform provides security and stability to those with or without coverage

1. Ends Discrimination for Pre-Existing Conditions: Insurance companies will be prohibited from refusing you coverage because of your medical history.
2. Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays: Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
3. Ends Cost-Sharing for Preventive Care: Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
4. Ends Dropping of Coverage for Seriously Ill: Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
5. Ends Gender Discrimination: Insurance companies will be prohibited from charging you more because of your gender.
6. Ends Annual or Lifetime Caps on Coverage: Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
7. Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
8. Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won’t be allowed to refuse renewal because someone became sick.

Learn more and get details: http://www.WhiteHouse.gov/health-insurance-consumer-protections/

8 common myths about health insurance reform

1. Reform will stop “rationing” - not increase it: It’s a myth that reform will mean a “government takeover” of health care or lead to “rationing.” To the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies.
2. We can’t afford reform: It’s the status quo we can’t afford. It’s a myth that reform will bust the budget. To the contrary, the President has identified ways to pay for the vast majority of the up-front costs by cutting waste, fraud, and abuse within existing government health programs; ending big subsidies to insurance companies; and increasing efficiency with such steps as coordinating care and streamlining paperwork. In the long term, reform can help bring down costs that will otherwise lead to a fiscal crisis.
3. Reform would encourage “euthanasia”: It does not. It’s a malicious myth that reform would encourage or even require euthanasia for seniors. For seniors who want to consult with their family and physicians about end-of life decisions, reform will help to cover these voluntary, private consultations for those who want help with these personal and difficult family decisions.
4. Vets’ health care is safe and sound: It’s a myth that health insurance reform will affect veterans’ access to the care they get now. To the contrary, the President’s budget significantly expands coverage under the VA, extending care to 500,000 more veterans who were previously excluded. The VA Healthcare system will continue to be available for all eligible veterans.
5. Reform will benefit small business - not burden it: It’s a myth that health insurance reform will hurt small businesses. To the contrary, reform will ease the burdens on small businesses, provide tax credits to help them pay for employee coverage and help level the playing field with big firms who pay much less to cover their employees on average.
6. Your Medicare is safe, and stronger with reform: It’s myth that Health Insurance Reform would be financed by cutting Medicare benefits. To the contrary, reform will improve the long-term financial health of Medicare, ensure better coordination, eliminate waste and unnecessary subsidies to insurance companies, and help to close the Medicare “doughnut” hole to make prescription drugs more affordable for seniors.
7. You can keep your own insurance: It’s myth that reform will force you out of your current insurance plan or force you to change doctors. To the contrary, reform will expand your choices, not eliminate them.
8. No, government will not do anything with your bank account: It is an absurd myth that government will be in charge of your bank accounts.  Health insurance reform will simplify administration, making it easier and more convenient for you to pay bills in a method that you choose.  Just like paying a phone bill or a utility bill, you can pay by traditional check, or by a direct electronic payment. And forms will be standardized so they will be easier to understand. The choice is up to you – and the same rules of privacy will apply as they do for all other electronic payments that people make.

Learn more and get details:
http://www.WhiteHouse.gov/realitycheck
http://www.WhiteHouse.gov/realitycheck/faq

8 Reasons We Need Health Insurance Reform Now

1. Coverage Denied to Millions: A recent national survey estimated that 12.6 million non-elderly adults – 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years or dropped from coverage when they became seriously ill. Learn more: http://www.healthreform.gov/reports/denied_coverage/index.html
2. Less Care for More Costs: With each passing year, Americans are paying more for health care coverage. Employer-sponsored health insurance premiums have nearly doubled since 2000, a rate three times faster than wages. In 2008, the average premium for a family plan purchased through an employer was $12,680, nearly the annual earnings of a full-time minimum wage job.  Americans pay more than ever for health insurance, but get less coverage. Learn more: http://www.healthreform.gov/reports/hiddencosts/index.html
3. Roadblocks to Care for Women: Women’s reproductive health requires more regular contact with health care providers, including yearly pap smears, mammograms, and obstetric care. Women are also more likely to report fair or poor health than men (9.5% versus 9.0%). While rates of chronic conditions such as diabetes and high blood pressure are similar to men, women are twice as likely to suffer from headaches and are more likely to experience joint, back or neck pain. These chronic conditions often require regular and frequent treatment and follow-up care. Learn more: http://www.healthreform.gov/reports/women/index.html
4. Hard Times in the Heartland: Throughout rural America, there are nearly 50 million people who face challenges in accessing health care. The past several decades have consistently shown higher rates of poverty, mortality, uninsurance, and limited access to a primary health care provider in rural areas. With the recent economic downturn, there is potential for an increase in many of the health disparities and access concerns that are already elevated in rural communities. Learn more: http://www.healthreform.gov/reports/hardtimes
5. Small Businesses Struggle to Provide Health Coverage: Nearly one-third of the uninsured – 13 million people – are employees of firms with less than 100 workers. From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. Much of this decline stems from small business. The percentage of small businesses offering coverage dropped from 68% to 59%, while large firms held stable at 99%. About a third of such workers in firms with fewer than 50 employees obtain insurance through a spouse. Learn more: http://www.healthreform.gov/reports/helpbottomline
6. The Tragedies are Personal: Half of all personal bankruptcies are at least partly the result of medical expenses. The typical elderly couple may have to save nearly $300,000 to pay for health costs not covered by Medicare alone. Learn more: http://www.healthreform.gov/reports/inaction
7. Diminishing Access to Care: From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. An estimated 87 million people - one in every three Americans under the age of 65 - were uninsured at some point in 2007 and 2008. More than 80% of the uninsured are in working families. Learn more: http://www.healthreform.gov/reports/inaction/diminishing/index.html
8. The Trends are Troubling: Without reform, health care costs will continue to skyrocket unabated, putting unbearable strain on families, businesses, and state and federal government budgets. Perhaps the most visible sign of the need for health care reform is the 46 million Americans currently without health insurance - projections suggest that this number will rise to about 72 million in 2040 in the absence of reform. Learn more: http://www.WhiteHouse.gov/assets/documents/CEA_Health_Care_Report.pdf