Title: National Health Reform Overview
1National 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
2Texas 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.
3Health 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.
4Health 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).
5Benefits, 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.
6Policy 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.
7Consumer 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!!
8Consumer 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
10Major 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.
11Major 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
12Get 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