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National Health Reform Overview

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Title: National Health Reform Overview


1
National Health Reform Overview Gray Panthers
Annual Forum Austin, Texas August 23, 2009 Anne
Dunkelberg, Assoc. Director, dunkelberg_at_cppp.org
900 Lydia Street - Austin, Texas 78702Phone
(512) 320-0222 (X102) www.cppp.org www.texasvoi
ceforhealthreform.org
2
Texas Voice for Health Reform Principles
  • Affordable Access to Good Health Care Must be
    Available for All Americans. It should
  • Be affordable for people at all income levels
  • Remain available and affordable when family and
    economic circumstances change
  • Establish both a responsibility for the public to
    contribute and an assurance of cost containment
    for individuals and families
  • Eliminate health costs as the 1 cause of
    bankruptcy in America.
  • A Decent Standard of Comprehensive Care Must Be
    Established. It should
  • Keep people healthy and treat them when theyre
    ill
  • Cover the whole person
  • Not be lost or reduced based on pre-existing
    conditions or pregnancy
  • These first 2 steps will not happen by accident
    Americans must choose to do this and demand it.
  • To be effective, sustainable, equitable, and
    balanced with our other important priorities as a
    nation, national health reform should also
    address safe and high quality care costs and
    cost-effectiveness of health care consumer
    choice and eliminating non-financial barriers to
    care
  • Just working on Step 3 will not make Steps 1 or 2
    happen.

3
Health Reform Process
  • Three bills being drafted Senate Finance Senate
    HELP (Kennedy) House Tri-Committee (EC, WM,
    Ed Labor)
  • Finance trimming back cost of 1st draft no bill
    release before August recess, concerns that they
    are cutting back by reducing affordability
    subsidies, protections.
  • HELP passed out of committee
  • Original goal was to merge the two Senate bills
    before August recess that process cant begin
    until Finance bill is laid out, voted out in
    September
  • House bill filed Tuesday July 14. Each of 3
    committees made amendments which must be
    reconciled in September before a full House vote
    can happen.
  • Both chambers return from August recess on
    Tuesday 9/8.
  • House-Senate compromise process starts as soon as
    Chambers vote their bills.
  • If successful, bill could be voted on and signed
    in October, November.
  • If no deal reached, large portions of (but not
    all of) reform can/will be passed through Budget
    Reconciliation, but this is less than ideal,
    both politically and from policy standpoint.
  • Budget Reconciliation only requires 51 Senate
    votes, but limits what you can do.

4
Health Reform Basics
  • Key elements BEING CONSIDERED
  • If you like what you have now, you can keep it.
  • Medicaid expansion (e.g., cover all up to 133
    FPL 14,404 for one 29,327 for 4).
  • Reform Private Health Insurance standardize
    benefits, limits on price variation, no denial of
    coverage, no excluding pre-existing conditions.
    Changes focused on individual and small employer
    coverage.
  • Create health insurance exchanges where
    participating private options can be compared and
    purchased.
  • Will there be a Public or Non-profit plan option?
  • Premium assistance up to 300 or 400 of FPL?
    (66,150 to 88,200 for family of 4)
  • Out-of-pocket caps, too, to ensure real
    affordability/end (reduce?) medical bankruptcy
  • Individual mandate to have coverage but only if
    affordable coverage exists!
  • Requirements for employers to contribute, with
    exemptions for smallest employers One idea is a
    requirement to help pay for only employees who
    use Medicaid or get premium assistance (latter
    approach is opposed by advocates for low-income
    Americans).

5
Benefits, Costs of Health Reform
  • Texas
  • About 1 million uninsured Texan adults would get
    Medicaidup to 133 FPL
  • about 2.3 million uninsured Texans would get
    premium assistance--above Medicaid and below
    400 of poverty (88,200 for family of 4)
  • Under Texas law today, small group insurers
    average high premium is 22,000 a year for a
    single worker.
  • CPPP CONSERVATIVELY estimates the Medicaid
    expansion alone will add 3.7 billion a year in
    new federal dollars to the Texas economy (3.3 if
    90 federal share) with a multiplier effect of
    10 to 12 billion a year, and
  • could convert Texas from being a donor state
    that sends more to DC in taxes than we get back
    by covering low-income adults in Medicaid.
  • even more funding will flow to Texas from premium
    assistance to low-to-moderate income families
  • What share will Texas have to pay for required
    Medicaid expansions increased Medicaid provider
    payment rates?
  • 100 federally-funded in House proposal EC
    amends to 90 from year 3 onward
  • But Senate may push to phase back over time to
    a state-share formula
  • Goal is to make the final bill 100 paid for
    (combo of cuts/savings and new revenues) if
    pay-fors are cut, expect to see loss of
    affordability and/or health benefits!
  • Long list of provisions would reduce cost,
    improve quality of care, but MORE may be added
    before a bill is passed.

6
Policy Some Top Health Reform Concerns
  • Will enough be done to really help the middle
    class? (Needed for broad support)
  • Will a real affordability cap be created, so no
    one is at risk of medical bankruptcy ever again?
  • Every American (not only the poorest) must have
    both affordable premiums, and caps on
    out-of-pocket spending.
  • Will insurance reforms be strong enough to help
    all families?
  • e.g., Senate Finance proposed allowing top
    premium rates to be 7.5 times the lowest price!
    If you pay 200 a month for the same policy I
    have to pay 1,500 a month for, is that (a)
    affordable or (b) reform?
  • Public plan is not more important than affordable
    access for all. Public plan is one tool. Single
    payer is one tool. But Germany, the Netherlands
    and Switzerland all have universal, secure
    coverage with no public option.

7
Consumer Voices Some Top Health Reform Concerns
  • Supporters of Health Reform are NOT being heard
    loudly in D.C.
  • Who is being heard?
  • Right-wing opponents of any reform, talk-radio
    disinformation euthanasia, taking hip
    replacements from seniors to pay for teenagers
    abortions.
  • Single-payer advocates, who are well-organized!
  • Texans should not sit out health reform
  • Those who believe real reform is needed should
    tell our elected officials and communicate that
    strong support FIRST, before your special issues
    or concerns.
  • OUR POSTIVE MESSAGE MUST BE REPEATED MORE OFTEN
    THAN THEIR NEGATIVE ONE and not just
    corrections to their lies!!

8
Consumer Voices The Truth, and the Big Fat Lies
  • Medicare
  • NO CUTS to Medicare benefits
  • Changes to slow the growth rate of Medicare costs
    (shores up Medicares finances)
  • Ends subsidies to private health insurance
    companies that cost 14 more than regular
    Medicare
  • Phases out Part D donut hole.
  • No rationing in Medicare based on age,
    life-expectancy, disability, etc.
  • End-of-Life-Care Planning (living wills, advance
    directives)
  • NO provisions to encourage euthanasia
  • Will let doctors get reimbursed (for first time)
    for discussing end-of-life planning with patients
  • Planning is completely voluntary
  • Planning cannot presume the withdrawal of
    treatment of encourage hastening of death
  • These Provisions may end up removed from reform
    because of the disinformation campaign

9
As of 7/7/09
10
Major House Committee Amendments
  • EC
  • Public Option health plan will use rates
    negotiated by Secretary of HHS (not Medicare
    rates) also will meet all insurance regs that
    commercial plans are held to.
  • No one is mandated to enroll in, or provide care
    in, the public option plan.
  • Doubled the payroll size from 250,000 to
    500,000 for non-insuring employers exempted from
    pay-or-play assessments reduced assessment for
    non-insuring employers between 550K and 750K.
  • After two years of 100 percent federal funding of
    Medicaid, states would have to pick up 10 percent
    of the cost (filed version tri-committee bill had
    100 percent federal funding indefinitely)
  • Reducing slightly premium subsidies and
    out-of-pocket cost caps for Americans from
    150-400 percent of the federal poverty level
    (FPL), but the subsidies will be increased if
    certain savings on medications, administration,
    and limits to premium increases actually
    materialize.
  • Energy Commerce amendment prohibits the use of
    Comparative Effectiveness research to delay,
    deny, or ration care or to make coverage
    decisions in Medicaresquarely addressing one of
    the most egregious outright lies being circulated
    about the bill.
  • End-of-life counseling cant promote suicide,
    cant assume withdrawal of treatment and both
    en-of-life counseling AND advance directives are
    voluntary.

11
Major House Committee Amendments
  • EC, contd
  • No discrimination for/against providers related
    to willingness/unwillingness to provide
    abortions no required inclusion of TAB in
    essential benefits, no public subsidy of TAB
    beyond Hyde Amendment.
  • Accountable care pilots in Medicaid (bundled
    payments, medical homes), models to be expanded
    to system if proven
  • EL
  • Hardship exemptions for employers demonstrating
    high job loss risk
  • Allow states to waiver federal ERISA law if
    they chose to establish state single-payer
    system.
  • Benefits for children must be comprehensive
    EPSDT package used in Medicaid
  • WM
  • IOM study of geographical health cost variations,
    to recommend ways to reduce variation, promote
    high-quality care.
  • Other notable committee amendments helpfully laid
    out in the side-by-side at www.kff.org

12
Get Involved with Texas Voice for Health Reform
  • Join our email list Weekly update
  • Web site Fact Sheets, MythBusters, News and
    More
  • Health reform Photo project!
  • Have a group representative participate in weekly
    calls/meetings
  • Communicate with your elected representatives
    using the tools in our online Citizen Advocacy
    Center calls, letters Congress and newspapers,
    op-eds needed!
  • Educate your community, congregation, friends and
    family
  • Contribute to our Story Bank project

www.texasvoiceforhealthreform.org
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