When
Will Congress Address the Issue of the Uninsured?
By Carolynn Race
By the end of 2002, the U.S. Census Bureau found that 43.6
million Americans were without health insurance coverage for
the entire year, an increase of 2.4 million people over 2 years.
Alarmed by the increasing number of uninsured Americans, rising
health care costs, and declining employer-based coverage, the
Institute of Medicine’s Committee on the Consequences
of Uninsurance concluded that:
“The lack of health insurance for tens of millions
of Americans has serious negative consequences and economic
costs not only for the uninsured themselves but also for their
families, the communities they live in, and the whole country.
The situation is dire and expected to worsen. The Committee
urges Congress and the Administration to act immediately to
eliminate this longstanding problem.” (IOM Insuring
America ’s Health Report, 1/04, p. 1)
Yet Congress and the Presidential Administration do not appear
to be pushing for immediate action on a comprehensive plan to
eliminate this problem. Why? The IOM Committee noted,
“Past campaigns have yielded both incremental changes
and major reforms but not universal coverage, due to the challenges
to major structural changes posed by American political arrangements
and the lack of political leadership strong and sustained
enough to forge a workable consensus on coverage legislation.
In addition, the opposition of provider, insurer, and business
groups with economic interests potentially adversely affected
by specific reform proposals has blocked universal coverage
even though many have agreed with the general need for reform.”
(p.3)
Understanding political realities, the IOM Committee recommended
that the President and Congress “develop a strategy to
achieve universal insurance coverage and establish a firm and
explicit schedule to reach this goal by 2010” (p. 156)
and until the goal is reached, the Committee recommended that
“federal and state governments provide resources sufficient
for Medicaid and SCHIP [State Children’s Health Insurance
Program] to cover all persons currently eligible and prevent
the erosion of outreach efforts, eligibility, enrollment, and
coverage.” (p. 157)
General Assemblies of the Presbyterian Church (U.S.A.) have
long called on the United States government to provide health
coverage and access for all.
Administrative and Congressional Proposals
In his State of the Union address, President Bush announced
his proposals to deal with the cost of health care. His suggestions
include calling for:
- Refundable tax credits to help low-income residents purchase
health insurance;
- A provision to allow small business to join together to
form association health plans to negotiate lower health insurance
premiums; and
- A tax deduction for the cost of premiums for high-deductible
health coverage to encourage the use of health savings accounts,
which allow individuals to save tax-free funds for future
medical expenses.
He also reiterated his opposition to a government-run health
care system, noting, “A government-run health care system
is the wrong prescription. By keeping costs under control, expanding
access, and helping more Americans afford coverage, we will
preserve the system of private medicine that makes America’s
health care the best in the world.”
CQ Weekly analyzed the President’s proposals and offered
an outlook for their likelihood of passage through Congress
noting, “The House has passed an association health plans
bill (HR 660), but the Senate has been cooler to the idea because
it would exempt small businesses from state laws requiring coverage
of specific diseases. Health care tax credit proposals have
not generated widespread interest in Congress, and experts say
they would have to be generous and costly to make a difference.”
(1/24/04 p. 205)
In 2002, the 214th General Assembly passed a resolution “On
Advocacy on Behalf of the Uninsured,” which, among other
things, directed the Presbyterian Washington Office to encourage
members of Congress to recognize the importance of Universal
Health Care – that is, equal, accessible, affordable,
and high-quality health care for all persons residing in our
nation, to oppose federal tax credits as a method to address
the health needs of the uninsured, and to urge the expansion
of Medicaid and the Children’s Health Insurance Program
(SCHIP).
Health Proposals Offered by Democrats in Congress
In the Democratic response to the State of the Union, Senate
Minority Leader Tom Daschle (D-SD) addressed the issue of the
increasing number of uninsured and rising health care costs
and opposed President Bush’s suggestions. Senator Daschle
noted that Mr. Bush’s suggestion of including more tax
cuts “will do little to make health care more affordable
or reduce the number of people without insurance, and they will
weaken health coverage for those who now have it.” However,
neither Senator Daschle nor House Minority Leader Nancy Pelosi,
offered a solution to the problem of the uninsured in their
Democratic response. However, Democratic Senators and Representatives
have offered legislation to address these issues. Proposals
by Senator Edward Kennedy (D-MA) and Representative John Conyers
(D-MI) are outlined below.
Health Security and Affordability Act: Senator Kennedy unveiled
legislation entitled the “Health Security and Affordability
Act” on January 22 at a speech at the Families USA conference
in Washington, DC. His legislation would require some employers
to offer health insurance to employees. According to the Kaiser
Daily Health Policy Report, under his plan, employers with 50
or more employees would be required to provide health coverage
to employees, with the federal government paying costs that
exceed 12% of their payrolls. For employers with between 5 and
50 workers, they could either offer health coverage or contribute
to the national plan and employees in firms with less than 5
employees could use the national program. Senator Kennedy noted
that his plan would be based on the Federal Employees Health
Benefits Program. The plan is estimated to cost $100 billion
annually. CongressDaily noted that aides for Kennedy said that
the proposal could lower overall health spending by as much
as $130 billion because of higher productivity and increased
access to preventive care for uninsured individuals.
Health Care Access Resolution: Advocates continue to work
to gather co-sponsors for the Health Care Access Resolution
(H Con Res 99 and S Con Res 41), sponsored respectively by Rep.
Conyers (D-MI) and Senator Kennedy (D-MA). Both would direct
the Congress to enact legislation by October 2005 that provides
access to comprehensive health care for all Americans.
2004 Outlook for Improving Health Care Access
What are the prospects for the proposals of President Bush
and Democrats in Congress to become law in 2004? The issue of
increasing costs and limiting any further increases to the federal
deficit (which the Congressional Budget Office had been projected
to be $477 billion this year and which the White House forecast
will be $521 billion this year), it will be extremely difficult
for either side to pass legislation to increase federal spending
or to decrease federal revenue (as tax-free savings accounts
and refundable tax credits would do). However, as more and more
people living in the United States lose their health coverage
or are faced with higher out-of-pocket costs for health care,
Congress and the Administration will be forced to respond. Already,
polls are showing that health care is a major election issue
for voters.
Action: Contact your Members of
Congress and share your concerns about the need Members to address
the issue of health care access for all this year. |