Lays Out Third Set Of “Ideas To Reclaim America” As Clear Alternative To Washington
Orlando, FL – Today, at a roundtable meeting with the Florida Medical Association, U.S. Senate candidate Marco Rubio made the third in his “Ideas to Reclaim America” proposals to offer a clear alternative to the big government health care solutions coming out of Washington. America is the greatest country in the world but Washington has been taken over by politicians who would rather pass government takeovers of our health care system than pass simple reforms to lower health care costs. Marco is the only candidate who will challenge the direction they’re taking our country.
“We need to repeal and replace the President’s massive government health care program with common sense reforms that will lower health care costs and get more Floridians insured. What American health care needs today are reforms that promote competition, empower patients with more high-quality health-care options, combat fraud and integrate the latest technologies to make the system more efficient and the patient better informed. The last thing Americans need is another Washington big government solution,” said Rubio.
As Marco has traveled across the state, Floridians everywhere have expressed their concern about health care costs spiraling out-of-control, and President Obama’s new health care law will only make a broken health care system worse for millions of Americans, drive costs through the roof, bankrupt the country and create a bureaucratic nightmare when it comes to everyday health care decisions. Lowering health care costs is essential to growing our economy and creating jobs in our country.
Instead of the direction Washington is taking our country, we should propose common sense, free-market ideas to make health care more accessible and affordable. Marco believes this all begins with repealing the President’s health care takeover, and replacing it with a system that lowers costs, allows people to keep the coverage they have now, and gives individuals the same tax breaks businesses get to provide health care insurance.
As a U.S. Senator, Marco will focus on three goals: first, repeal and replace Obamacare; second, empower individuals to control their own health care choices; and third, restore control of health policy to the states.
To start lowering health care costs and begin to reclaim our country, Marco has proposed 10 simple ideas:
Marco’s 10 Simple Ways To Make Health Care More Affordable And Accessible:
IDEA #1: Allow Individuals To Purchase Health Insurance Across State Lines: Currently individuals purchasing health insurance are limited to those policies sold in the state in which they live. Allowing companies to compete in all 50 states would give individuals more choice, more options, and lower prices. Further, if people are purchasing insurance from companies across the country, states will be forced to loosen mandates to compete. If Americans can buy their auto and life insurance across state lines, they should be able to do so with their health insurance as well.
IDEA #2: Encourage Small Businesses And Trade Associations To Band Together And Form Association Health Plans (AHPs): AHPs are health plans created for individuals and groups who belong to one of the approximately 15,000 associations related to their jobs, careers, hobbies or interests. A significant hindrance to the widespread use of AHPs is the required compliance of all the different state regulations where members might live. By federally regulating these plans, individuals and small groups with similar interests across the country could form AHPs that would lower health care costs for their members.
IDEA #3: Give Individuals The Same Tax Break Given To Businesses When They Buy Health Insurance. Health insurance needs to become patient-centered rather than employer centered. Individuals who purchase their own health insurance should receive the same tax treatment as those employers who provide health coverage. All individually purchased insurance and out-of-pocket expenses should be tax deductible for persons who have at least catastrophic insurance coverage. Coupled with increased portability, the new deduction will encourage the development of an individual insurance market, increase transparency and portability, and reduce costs. Between two and six million middle income Americans are estimated to take up health insurance if the deduction was in place.
IDEA #4: Incentivize The Use Of Electronic Medical Records (EMRs): EMRs have many potential advantages including cost reductions, elimination of cumbersome paper records maintenance, portability, safety and quality care improvements. Unlike the Obama administration’s approach of imposing standards and regulations, the federal government should work with private and not-for-profit firms to develop an EMR platform where applications can be attempted and, if successful, implemented. This innovation-driven approach can be done while simultaneously respecting patient privacy and doctors’ professional integrity.
IDEA #5: Give People The Tools To Make Cost-Conscious Decisions About Their Health Care: Using technology to promote pricing transparency would engage more individuals in making informed health care choices. We should ensure price and quality transparency from providers and insurance companies to clearly lay out what is and is not covered. This will assist health-care consumers to better understand their coverage needs, quality of care and costs at their nearby local clinics and hospitals. For doctors and hospitals, they will be able to find the best price point to sell their products and improve quality for the patients. Ultimately, the best way to drive health care costs down is to let the forces of supply and demand set prices.
IDEA #6: Increase The Number Of Community Health Centers: Community Health Centers help 17 million people in over 6,000 underserved communities, and are an invaluable part of our nation’s health care system. By providing more access to preventative and primary care providers, people can avoid visits to costly emergency rooms for nonemergency or routine care. These centers have a proven track record of providing care to patients that is superior, cost-effective and efficient. We should focus on expanding their presence to more medically underserved areas in the country.
IDEA #7: Incentivize State Medical Malpractice Reform: Recent lottery-size awards and frivolous lawsuits have put a heavy burden on doctors, hospitals, and, through defensive medicine, on the health care system. According to the Heritage Foundation, it is estimated that in 2007 alone, the tort system cost $252 billion. It is also estimated that ordering unnecessary tests and treatments, otherwise known as defensive medicine, may cost us anywhere from $191 billion to $239 billion a year. Not surprisingly, states have been leading the way since the mid-1970s in enacting tort reform policies. However, overcoming those special interests dedicated to maintaining ease of lawsuits can be difficult. This is why the federal government should incentivize medical tort reforms at the state level.
IDEA #8: Enhance Health Savings Accounts (HSAs): As of January 2010, more than 10 million Americans, including over 600,000 Floridians, held HSAs. This is up from 3.2 million in 2006 and 1.0 million in 2005. In 2006, Congress increased the amount of money that can be contributed tax-free to HSAs. To enhance HSAs, we should: (1) give HSA contributions the same tax treatment as employment-based health insurance premiums, (2) allow individuals to make withdrawals from their HSAs, tax free, to pay long-term-care insurance premiums, and (3) allow employers and individuals to make special HSA contributions for the chronically ill. These HSAs will help further reinforce the individual driven market as consumers are driven by prices, quality and out of pocket payment of services.
IDEA #9: Incentivize State Insurance Reform: States throughout America have different regulatory regimes that drive up the cost of health insurance, particularly in the individual and small-group markets. Some of these regulations are justified, others only complicate the market. While allowing individuals to buy across state lines will prompt states to reform, we should also further encourage states to increase market flexibility. Incentives can be created using federal funds in state-federal programs to help unleash the market potential in the private insurance market.
IDEA #10: Adopt A Sensible Program To Cover Those With Pre-Existing Conditions: Even before Obamacare, federal law prohibited insurance companies from denying coverage to patients with pre-existing conditions. In addition, many states have programs to cover those who didn’t have employer-provided insurance and couldn’t get it from the individual insurance market because of pre-existing conditions. Instead of an expensive and unworkable new federal program, the federal government should pass legislation to allow patients to switch insurance coverage (regardless of whether they are in the employer-provided or individual insurance market) without risking pre-existing condition exclusion. For those who are temporarily unemployed and cannot be covered under Medicaid, state high-risk-pool programs can help, and the federal government should help the states with block grants.