2013년 11월 26일 화요일

오후 1:12

By Stanton Cichon

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Ｔｈｅ               ｒｅｃｅｎｔｌｙ               ｐａｓｓｅｄ               Ｈｏｕｓｅ               ｖｅｒｓｉｏｎ               ｏｆ               ｈｅａｌｔｈ               ｃａｒｅ               (Ｈ.Ｒ.

3962)               ｗｉｌｌ               ｃｕｔ               Ｍｅｄｉｃａｒｅ               ｆｏｒ               ｓｅｎｉｏｒｓ,               ｉｎｃｒｅａｓｅ               ｐｒｏｆｉｔｓ               ｆｏｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ａｎｄ               ｉｍｐｏｓｅ               ａ               ｃｏｓｔ               ｂｕｒｄｅｎ               ｏｎ               ｔｈｅ               ｐｏｏｒｅｓｔ               ａｎｄ               ｉｌｌｉｔｅｒａｔｅ               ｃｉｔｉｚｅｎｓ.

Ｔｈｅ               Ｃｏｎｇｒｅｓｓｏｎａｌ               Ｂｕｄｇｅｔ               Ｏｆｆｉｃｅ               (ＣＢＯ)               ｅｓｔｉｍａｔｅｓ               ｔｈｅ               Ａｃｔ'ｓ               ｎｅｔ               ｃｏｓｔ               ａｔ               $894               ｂｉｌｌｉｏｎ               ｏｖｅｒ               10               ｙｅａｒｓ.

Ｈｏｗｅｖｅｒ,               ｔｈｏｓｅ               ｎｅｔ               ｃｏｓｔｓ               ｗｏｕｌｄ               ｂｅ               ｏｆｆｓｅｔ               ｂｙ               ｔｈｅ               ｃｏｍｂｉｎａｔｉｏｎ               ｏｆ               ｏｔｈｅｒ               ｓｐｅｎｄｉｎｇ               ｃｈａｎｇｅｓ,               ｗｈｉｃｈ               ＣＢＯ               ｅｓｔｉｍａｔｅｓ               ｗｏｕｌｄ               ｓａｖｅ               $426               ｂｉｌｌｉｏｎ,               ａｎｄ               ｒｅｃｅｉｐｔｓ               ｒｅｓｕｌｔｉｎｇ               ｆｒｏｍ               ｔｈｅ               ｉｎｃｏｍｅ               ｔａｘ               ｓｕｒｃｈａｒｇｅ               ｏｎ               ｈｉｇｈ-ｉｎｃｏｍｅ               ｉｎｄｉｖｉｄｕａｌｓ               ａｎｄ               ｏｔｈｅｒ               ｐｒｏｖｉｓｉｏｎｓ,               ｗｈｉｃｈ               ＪＣＴ               ａｎｄ               ＣＢＯ               ｅｓｔｉｍａｔｅ               ｗｏｕｌｄ               ｉｎｃｒｅａｓｅ               ｆｅｄｅｒａｌ               ｒｅｖｅｎｕｅｓ               ｂｙ               $572               ｂｉｌｌｉｏｎ               ｏｖｅｒ               ｔｈａｔ               ｐｅｒｉｏｄ.
               Ｈｏｗｅｖｅｒ,               ｓｏｍｅ               ｓａｖｉｎｇｓ               ｃｏｍｅ               ｆｒｏｍ               ｃｕｔｓ               ｉｎ               Ｍｅｄｉｃａｒｅ.

Ｔｈｅ               Ａｍｅｒｉｃａｎ               Ｈｅａｌｔｈ               Ｃａｒｅ               Ａｓｓｏｃｉａｔｏｎ               (ＡＨＣＡ),               ｒｅｐｏｒｔｓ               ｔｈａｔ               ｔｈｅ               Ａｃｔ               ｉｎｃｌｕｄｅｓ               $23.9               ｂｉｌｌｉｏｎ               ｉｎ               Ｍｅｄｉｃａｒｅ               ｃｕｔｓ               ａｎｄ               ｗｈｅｎ               ｃｏｍｂｉｎｅｄ               ｗｉｔｈ               ｔｈｅ               $12               ｂｉｌｌｉｏｎ               ｉｎ               ｃｕｔｓ               ｔｈａｔ               ｗｅｎｔ               ｉｎｔｏ               ｅｆｆｅｃｔ               ｏｎ               Ｏｃｔｏｂｅｒ               1,               ｍａｋｅｓ               Ｍｅｄｉｃａｒｅ               ｕｎｓｕｓｔａｉｎａｂｌｅ               ａｎｄ               ｔｈｅｒｅｆｏｒｅ               ｄｅｔｒｉｍｅｎｔａｌ               ｔｏ               ｔｈｅ               ｎａｔｉｏｎ'ｓ               ｓｅｎｉｏｒｓ.
               Ｓｏｍｅ               ｉｎｃｏｍｅ               ｉｓ               ｅｘｐｅｃｔｅｄ               ｔｏ               ｃｏｍｅ               ｆｒｏｍ               ｒｅｑｕｉｒｉｎｇ               ｔｈｅ               ｕｎｉｎｓｕｒｅｄ               ｔｏ               ｐｕｒｃｈａｓｅ               ｏｖｅｒａｇｅ               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ｉｍｐｏｓｉｎｇ               ｐｅｎａｌｔｉｅｓ               ｏｎ               ｔｈｅ               ｍｏｓｔ               ｉｌｌｉｔｅｒａｔｅ               ａｎｄ               ｕｎｄｅｒｐａｉｄ               ｏｆ               ｔｈｅ               Ｎａｔｉｏｎｓ               ｃｉｔｉｚｅｎｓ               ｗｈｏ               ｃａｎｎｏｔ               ａｆｆｏｒｄ               ｃｏｖｅｒａｇｅ.

Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｃｏａｌｉｔｉｏｎ               ｏｎ               Ｈｅａｌｔｈ               Ｃａｒｅ,               "ｉｔ               ｉｓ               ｃｏｎｃｅｉｖａｂｌｅ               ｔｈａｔ               ｂｙ               ｎｅｘｔ               ｙｅａｒ,               57               ｔｏ               60               ｍｉｌｌｉｏｎ               Ａｍｅｒｉｃａｎｓ               ｗｉｌｌ               ｂｅ               ｕｎｉｎｓｕｒｅｄ."
               Ｌｉｋｅ               ｆａｒ               ｔｏｏ               ｍａｎｙ               ｌｅｇｉｓｌａｔｉｖｅ               ａｃｔｓ,               Ｈ.Ｒ.

3962               ｆａｌｌｓ               ｍｏｓｔ               ｈｅａｖｉｌｙ               ｏｎ               ｔｈｅ               ｐｏｏｒ               ａｎｄ               ｉｌｌｉｔｅｒａｔｅ               ｗｈｏ               ａｒｅ               ｅｓｓｅｎｔｉａｌｌｙ               ｄｉｓｅｎｆｒａｎｃｈｉｓｅｄ               ｆｒｏｍ               ｔｈｅ               ｐｏｌｉｔｉｃａｌ               ｐｒｏｃｅｓｓ.

Ｉｔ               ｉｓ               ｔｈａｔ               ｇｒｏｕｐ               ｔｈａｔ               ｗｉｌｌ               ｂｅ               ｖｉｃｔｉｍｉｚｅｄ               ｂｙ               ｈｅａｌｔｈ               ｃａｒｅ               ｒｅｆｏｒｍ               ｉｆ               ｔｈｅ               ｐｒｏｖｉｓｉｏｎ               ｒｅｑｕｉｒｉｎｇ               ｐｅｏｐｌｅ               ｔｏ               ｐｕｒｃｈａｓｅ               ｉｎｓｕｒａｎｃｅ               ｅｖｅｎｔｕａｌｌｙ               ｂｅｃｏｍｅｓ               ｌａｗ               ｗｉｔｈｏｕｔ               ａ               ｃｏｍｐｅｔｉｔｉｖｅ               ｐｕｂｌｉｃ               ｏｐｔｉｏｎ               ｔｏ               ｋｅｅｐ               ｐｒｉｃｅｓ               ｌｏｗ.
               Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｒｉｇｈｔ               ｔｏ               Ｒｅａｄ               Ｆｏｕｎｄａｔｉｏｎ,               42               ｍｉｌｌｉｏｎ               ａｄｕｌｔ               Ａｍｅｒｉｃａｎｓ               ｃａｎ               ｎｏｔ               ｒｅａｄ               ａｎｄ               50               ｍｉｌｌｉｏｎ               ｃａｎ               ｏｎｌｙ               ｒｅａｄ               ａｔ               ｔｈｅ               4ｔｈ               ｏｒ               5ｔｈ               ｇｒａｄｅ               ｌｅｖｅｌ.

Ｆｕｒｔｈｅｒ,               ｏｎｅ               ｏｕｔ               ｏｆ               ｅｖｅｒｙ               ｆｏｕｒ               ｔｅｅｎａｇｅｒｓ               ｄｒｏｐｓ               ｏｕｔ               ｏｆ               ｈｉｇｈ               ｓｃｈｏｏｌ,               ａｎｄ               ｏｆ               ｔｈｏｓｅ               ｗｈｏ               ｇｒａｄｕａｔｅ,               ｏｎｅ               ｏｕｔ               ｏｆ               ｅｖｅｒｙ               ｆｏｕｒ               ｈａｓ               ｔｈｅ               ｅｑｕｉｖａｌｅｎｔ               ｏｒ               ｌｅｓｓ               ｔｈａｎ               ａｎ               ｅｉｇｈｔｈ               ｇｒａｄｅ               ｅｄｕｃａｔｉｏｎ.

Ｆｕｒｔｈｅｒ,               ｔｈｅ               ｎｕｍｂｅｒ               ｏｆ               ｆｕｎｃｔｉｏｎａｌｌｙ               ｉｌｌｉｔｅｒａｔｅ               ａｄｕｌｔｓ               ｉｓ               ｉｎｃｒｅａｓｉｎｇ               ｂｙ               ａｐｐｒｏｘｉｍａｔｅｌｙ               ｔｗｏ               ａｎｄ               ｏｎｅ               ｑｕａｒｔｅｒ               ｍｉｌｌｉｏｎ               ｐｅｒｓｏｎｓ               ｅａｃｈ               ｙｅａｒ.

Ｔｈｉｓ               ｎｕｍｂｅｒ               ｉｎｃｌｕｄｅｓ               ｎｅａｒｌｙ               1               ｍｉｌｌｉｏｎ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｈｏ               ｄｒｏｐ               ｏｕｔ               ｏｆ               ｓｃｈｏｏｌ               ｂｅｆｏｒｅ               ｇｒａｄｕａｔｉｏｎ,               400,000               ｌｅｇａｌ               ｉｍｍｉｇｒａｎｔｓ,               100,000               ｒｅｆｕｇｅｅｓ,               ａｎｄ               800,000               ｉｌｌｅｇａｌ               ｉｍｍｉｇｒａｎｔｓ,               ａｎｄ               20               ｐｅｒｃｅｎｔ               ｏｆ               ａｌｌ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｇｒａｄｕａｔｅｓ.

Ａｎ               ａｄｄｉｔｉｏｎａｌ               237               ｂｉｌｌｉｏｎ               ｄｏｌｌａｒｓ               ａ               ｙｅａｒ               ｉｎ               ｕｎｒｅａｌｉｚｅｄ               ｅａｒｎｉｎｇｓ               ｉｓ               ｆｏｒｆｅｉｔｅｄ               ｂｙ               ｐｅｏｐｌｅ               ｗｈｏ               ｌａｃｋ               ｓｕｃｈ               ｂａｓｉｃ               ｒｅａｄｉｎｇ               ｓｋｉｌｌｓ,               ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｌｉｔｅｒａｃｙ               Ｖｏｌｕｎｔｅｅｒｓ               ｏｆ               Ａｍｅｒｉｃａ.

Ｔｈｅｓｅ               ａｒｅ               ｔｈｅ               ｐｅｏｐｌｅ,               ｗｈｏ               ｃａｎｎｏｔ               ａｆｆｏｒｄ               ｉｎｓｕｒａｎｃｅ               ｎｏｗ,               ａｎｄ               ｗｈｏ               ｗｉｌｌ               ｂｅ               ｆｏｒｃｅｄ               ｔｏ               ｐｕｒｃｈａｓｅ               ｉｎｓｕｒａｎｃｅ               ｆｒｏｍ               ｔｈｅ               ｐｒｉｖａｔｅ               ｓｅｃｔｏｒ               ｕｎｄｅｒ               Ｈ.Ｒ.

3962.

Ｆｏｒｃｉｎｇ               ｔｈｅ               ｐｏｏｒ               ａｎｄ               ｉｌｌｉｔｅｒａｔｅ               ｔｏ               ｐｕｒｃｈａｓｅ               ｈｅａｌｔｈ               ｃａｒｅ,               ｕｎｄｅｒ               ｐｅｎａｌｔｙ               ｏｆ               ｌａｗ,               ｉｓ               ｕｎｃｏｎｓｃｉｏｎａｂｌｅ.
               Ｓｏｍｅ               ｏｆ               ｔｈｅ               ｌｏｗｅｒ               ｉｎｃｏｍｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｏｕｌｄ               ｂｅ               ｃｏｖｅｒｅｄ               ｂｙ               ａｎ               ｅｘｐａｎｓｉｏｎ               ｏｆ               Ｍｅｄｉｃａｉｄ,               ｔｈｅ               ｓｔａｔｅ-ｆｅｄｅｒａｌ               ｈｅａｌｔｈ               ｐｒｏｇｒａｍ               ｆｏｒ               ｔｈｅ               ｐｏｏｒ.

Ｉｎ               ｔｈｉｓ               ｃａｓｅ,               ａｄｕｌｔｓ               ｕｐ               ｔｏ               150               ｐｅｒｃｅｎｔ               ｏｆ               ｐｏｖｅｒｔｙ               -               ｉｎｄｉｖｉｄｕａｌｓ               ｍａｋｉｎｇ               ｕｐ               ｔｏ               $16,245               ａｎｄ               ａ               ｆａｍｉｌｙ               ｏｆ               ｆｏｕｒ               ｕｐ               ｔｏ               $33,075               -               ｗｏｕｌｄ,               ｉｎ               ｔｈｅｏｒｙ,               ｂｅ               ｃｏｖｅｒｅｄ.

Ｔｈｉｓ               ｗｏｕｌｄ               ａｄｄ               15               ｍｉｌｌｉｏｎ               ｔｏ               Ｍｅｄｉｃａｉｄ.

Ｔｈａｔ               ｎｕｍｂｅｒ               ｉｓ               ｆａｒ               ｂｅｌｏｗ               ｔｈｅ               ｎｕｍｂｅｒ               ｏｆ               ｐｏｏｒ               ａｎｄ               ｉｌｌｉｔｅｒａｔｅ               ｔｈａｔ               ｐｏｐｕｌａｔｅ               ｏｕｒ               ｓｔａｔｅｓ.

Ｆｕｒｔｈｅｒ,               Ｍｅｄｉｃａｉｄ               ｉｓ               ａ               ｐｉｇ-ｉｎ-ａ               ｐｏｋｅ               ｓｉｎｃｅ               Ｇｏｖｅｒｎｏｒｓ               ｃｏｎｔｒｏｌ               ｔｈｅ               ｐｅｒｃｅｎｔ               ｏｆ               ｐｅｏｐｌｅ               ｅｎｒｏｌｌｅｄ               ｉｎ               Ｍｅｄｉｃａｉｄ               ａｎｄ               ｉｎ               ｔｉｇｈｔ               ｅｃｏｎｏｍｉｃ               ｓｉｔｕａｔｉｏｎｓ               ｔｈｅｙ               ｓｉｍｐｌｙ               ｃｕｔ.
               Ｎｅｖａｄａ               Ｇｏｖｅｒｎｏｒ               Ｊｉｍ               Ｇｉｂｂｏｎｓ               ｃｕｔ               Ｍｅｄｉｃａｉｄ               ｐａｙｍｅｎｔｓ               ｄｕｒｉｎｇ               ｔｈｅ               Ｈ1Ｎ1               ｅｐｉｄｅｍｉｃ               ｔｏ               ｈｏｓｐｉｔａｌｓ               ｂｙ               5%               ａｃｒｏｓｓ               ｔｈｅ               ｂｏａｒｄ,               ａｎｄ               ｓｏｍｅ               ｐｈｙｓｉｃｉａｎｓ,               ｅｓｐｅｃｉａｌｌｙ               ｐｅｄｉａｔｒｉｃｉａｎｓ               ｓｐｅｃｉａｌｉｚｉｎｇ               ｉｎ               ｏｒｔｈｏｐｅｄｉｃｓ,               ｕｒｏｌｏｇｙ               ａｎｄ               ｃａｎｃｅｒ,               ｓａｗ               ｔｈｅｉｒ               Ｍｅｄｉｃａｉｄ               ｐａｙｍｅｎｔｓ               ｒｅｄｕｃｅｄ               ｂｙ               41%.
               Ｇｉｂｂｏｎｓ               ｈａｓ               ａｌｓｏ               ｐｒｏｐｏｓｅｄ               ｔｏ               ｅｌｉｍｉｎａｔｅ               Ｍｅｄｉｃａｉｄ               ｃｏｖｅｒａｇｅ               ｆｏｒ               ｌｏｗ-ｉｎｃｏｍｅ               ｐｒｅｇｎａｎｔ               ｍｏｔｈｅｒｓ.

Ｔｈｅ               ｓｔａｔｅ               ｈａｓ               ａｌｒｅａｄｙ               ｒｅｄｕｃｅｄ               ｐｅｒｓｏｎａｌ-ｃａｒｅ               ａｓｓｉｓｔａｎｃｅ               ｔｏ               ｔｈｅ               ｅｌｄｅｒｌｙ               ａｎｄ               ｄｉｓａｂｌｅｄ.

Ｈｅ               ｈａｓ               ｃａｐｐｅｄ               ｄｅｎｔａｌ               ｂｅｎｅｆｉｔｓ               ｕｎｄｅｒ               ｔｈｅ               ｓｔａｔｅ'ｓ               ＳＣＨＩＰ               ｐｒｏｇｒａｍ               ａｔ               $600               ａ               ｙｅａｒ,               ａｎｄ               ｅｌｉｍｉｎａｔｅｄ               ｏｒｔｈｏｄｏｎｔｉｃｓ               ａｎｄ               ｖｉｓｉｏｎ               ｃｏｖｅｒａｇｅ.

Ｆｕｒｔｈｅｒ,               Ｇｉｂｂｏｎｓ               ｈａｓ               ｃａｐｐｅｄ               ｅｎｒｏｌｌｍｅｎｔ               ａｔ               25,000               ｆｏｒ               ｔｈｅ               ｐｒｏｇｒａｍ,               ｗｈｉｃｈ               ａｌｒｅａｄｙ               ｈａｓ               23,000               ｅｎｒｏｌｌｅｅｓ               ａｎｄ               ｐｅｎｄｉｎｇ               ａｐｐｌｉｃａｔｉｏｎｓ               ｆｏｒ               7,000               ｃｈｉｌｄｒｅｎ.
               Ｔｈｅ               ｃｕｔｓ               ｍｅａｎ               $21               ｍｉｌｌｉｏｎ               ｌｅｓｓ               ｉｎ               Ｍｅｄｉｃａｉｄ               ｆｕｎｄｉｎｇ               ｆｏｒ               ｔｈｅ               Ｓｔａｔｅ'ｓ               ｐｕｂｌｉｃ               ｈｏｓｐｉｔａｌ:               Ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               Ｍｅｄｉｃａｌ               Ｃｅｎｔｅｒ               ｏｆ               Ｓｏｕｔｈｅｒｎ               Ｎｅｖａｄａ,               Ｌａｓ               Ｖｅｇａｓ,.

Ｔｈｅ               ｃｕｔｓ               ａｄｄ               ｔｏ               ｔｈｅ               ｅｘｐｅｃｔｅｄ               ｌｏｓｓ               ｏｆ               $51               ｍｉｌｌｉｏｎ,               ａｂｏｕｔ               10%               ｏｆ               ｔｈｅ               ｈｏｓｐｉｔａｌ'ｓ               ｎｅｔ               ｒｅｖｅｎｕｅ,               ｆｏｒ               ｕｎｃｏｍｐｅｎｓａｔｅｄ               ｃａｒｅ.

Ｔｈｅ               Ｍｅｄｉｃａｌ               Ｃｅｎｔｅｒ               ｈａｓ               ａｌｒｅａｄｙ               ｓｔｏｐｐｅｄ               ａｃｃｅｐｔｉｎｇ               ｎｅｗ               ｐａｔｉｅｎｔｓ               ａｔ               ｔｈｅ               ｏｕｔｐａｔｉｅｎｔ               ｏｎｃｏｌｏｇｙ               ｃｌｉｎｉｃ,               ａｎｄ               ｈａｓ               ｃａｎｃｅｌｅｄ               ａ               ｃｏｎｔｒａｃｔ               ｆｏｒ               ｏｕｔｐａｔｉｅｎｔ               ｄｉａｌｙｓｉｓ.

Ｉｔ               ａｌｓｏ               ｅｎｄｅｄ               ｒｏｕｔｉｎｅ               ｐｒｅｎａｔａｌ               ｃａｒｅ,               ｔｈｕｓ               ｌｅａｖｉｎｇ               600               ｗｏｍｅｎ               ｔｏ               ｆｉｎｄ               ｏｔｈｅｒ               ｐｒｏｖｉｄｅｒｓ,               ａｎｄ               ｉｔ               ｄｉｓｃｏｕｒａｇｅｄ               ｗｏｍｅｎ               ｗｉｔｈ               ｈｉｇｈ-ｒｉｓｋ               ｐｒｅｇｎａｎｃｉｅｓ               ｆｒｏｍ               ｕｓｉｎｇ               ｔｈｅ               ｈｏｓｐｉｔａｌ               ｂｙ               ｃｌｏｓｉｎｇ               ａ               ｕｎｉｔ               ｔｈａｔ               ｗａｓ               ｌｏｓｉｎｇ               ｍｏｒｅ               ｔｈａｎ               $2               ｍｉｌｌｉｏｎ               ａ               ｙｅａｒ.
               Ｃｏｎｇｒｅｓｓｗｏｍａｎ               Ｄｉｎａ               Ｔｉｔｕｓ,               (Ｄ.

Ｎｅｖ.),               ａｔｔｅｍｐｔｅｄ               ｔｏ               ｐｕｔ               ａ               ｐｏｓｉｔｉｖｅ               ｓｐｉｎ               ｏｎ               Ｈ.Ｒ.

3962               ｂｙ               ａｒｇｕｉｎｇ               ｔｈａｔ               ｔｈｅ               Ａｃｔ,               ｗｉｌｌ               ｂａｎ               ｉｎｓｕｒａｎｃｅ               ｉｎｄｕｓｔｒｙ               ｐｒａｃｔｉｃｅｓ               ｏｆ               ｄｉｓｃｒｉｍｉｎａｔｉｎｇ               ａｇａｉｎｓｔ               ｔｈｏｓｅ               ｗｉｔｈ               ｐｒｅｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎｓ               ｏｒ               ｗｉｔｈｄｒａｗｉｎｇ               ｃｏｖｅｒａｇｅ               ｆｏｒ               ｐｅｏｐｌｅ               ｗｈｅｎ               ｔｈｅｙ               ｇｅｔ               ｓｉｃｋ.

Ｉｎ               ａｄｄｉｔｉｏｎ,               ｔｈｅ               ｌｅｇｉｓｌａｔｉｏｎ               ｗｉｌｌ               ｃｌｏｓｅ               ｔｈｅ               ｓｏ-ｃａｌｌｅｄ               ｄｏｎｕｔ               ｈｏｌｅ               ｔｈａｔ               ｆｏｒｃｅｓ               ｎｅａｒｌｙ               13,000               ｓｅｎｉｏｒｓ               ｉｎ               ｈｅｒ               ｄｉｓｔｒｉｃｔ               ｔｏ               ｐａｙ               ｈｉｇｈ               ｏｕｔ-ｏｆ-ｐｏｃｋｅｔ               ｃｏｓｔｓ               ｆｏｒ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｄｒｕｇｓ.

Ｆｕｒｔｈｅｒ,               ｔｈｅ               ｃｏｎｇｒｅｓｓｉｏｎａｌ               ｖｅｒｓｉｏｎ,               Ｔｉｔｕｓ               ａｒｇｕｅｓ,               ｅｌｉｍｉｎａｔｅｓ               ｃｏ-ｐａｙｓ               ｆｏｒ               ｐｒｅｖｅｎｔｉｖｅ               ｓｅｒｖｉｃｅｓ               ａｎｄ               "ｇｅｎｄｅｒ               ｒａｔｉｎｇ"               ｂｙ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ.

Ｇｅｎｄｅｒ               ｒａｔｉｎｇ               ｉｓ               ｐａｒｔｉｃｕｌａｒｌｙ               ｏｎｅｒｏｕｓ               ａｎｄ               ｈａｓ               ｌｅｄ               ｔｏ               ｗｏｍｅｎ               ｐａｙｉｎｇ               ｕｐ               ｔｏ               48               ｐｅｒｃｅｎｔ               ｍｏｒｅ               ｉｎ               ｐｒｅｍｉｕｍ               ｃｏｓｔｓ               ｔｈａｎ               ｍｅｎ               ｆｏｒ               ｃｏｖｅｒａｇｅ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｍａｒｋｅｔ               ｐｌａｃｅ.
               Ｏｎｅ               ｐａｒｔｉｃｕｌａｒｌｙ               ｉｎｔｅｒｅｓｔｉｎｇ               ｐｒｏｖｉｓｉｏｎ               ｏｆ               ｔｈｅ               ａｃｔ               ｅｎｄｓ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｉｎｄｕｓｔｒｙ'ｓ               ｅｘｅｍｐｔｉｏｎ               ｆｒｏｍ               ａｎｔｉ-ｔｒｕｓｔ               ｌａｗｓ               ｔｈａｔ               ｈａｓ               ａｌｌｏｗｅｄ               ｔｈｅｍ               ｔｏ               ｓｔｉｆｌｅ               ｃｏｍｐｅｔｉｔｉｏｎ.

Ｆｕｒｔｈｅｒ,               ｔｈｅｒｅ               ｉｓ               ａ               ｇｒａｎｔ               ｐｒｏｇｒａｍ               ｔｏ               ｅｎｃｏｕｒａｇｅ               ｓｔａｔｅｓ               ｔｏ               ｉｍｐｌｅｍｅｎｔ               ａｌｔｅｒｎａｔｉｖｅｓ               ｔｏ               ｔｒａｄｉｔｉｏｎａｌ               ｍａｌｐｒａｃｔｉｃｅ               ｌｉｔｉｇａｔｉｏｎ.

Ｔｈｅ               Ａｃｔ               ａｌｓｏ               ｐｅｒｍｉｔｓ               ｓｔａｔｅｓ               ｔｏ               ｅｎｔｅｒ               ｉｎｔｏ               ａｇｒｅｅｍｅｎｔｓ               ｔｏ               ａｌｌｏｗ               ｆｏｒ               ｔｈｅ               ｓａｌｅ               ｏｆ               ｉｎｓｕｒａｎｃｅ               ａｃｒｏｓｓ               ｓｔａｔｅ               ｌｉｎｅｓ.
               Ｔｈｅ               Ｈｏｕｓｅ               ｂｉｌｌ               ｄｏｅｓ               ａｄｄｒｅｓｓ               ｃｏｎｃｅｒｎｓ               ｅｘｐｒｅｓｓｅｄ               ｂｙ               ｂｕｓｉｎｅｓｓｅｓ               ｉｎ               Ｓｏｕｔｈｅｒｎ               Ｎｅｖａｄａ.

Ｓｐｅｃｉｆｉｃａｌｌｙ,               ｔｈｅ               Ａｃｔ               ｒｅｄｕｃｅｓ               ｏｒ               ｅｌｉｍｉｎａｔｅｓ               ｓｕｒｃｈａｒｇｅｓ               ｂｕｓｉｎｅｓｓｅｓ               ｃｕｒｒｅｎｔｌｙ               ｐａｙ               ｆｏｒ               ｉｎｓｕｒａｎｃｅ.

Ｆｕｒｔｈｅｒ,               ａ               Ｔｉｔｕｓ               ａｍｅｎｄｍｅｎｔ               ａｌｌｏｗｓ               ｍｏｒｅ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｔｏ               ｅｎｔｅｒ               ｉｎｔｏ               ｔｈｅ               Ｈｅａｌｔｈ               Ｉｎｓｕｒａｎｃｅ               Ｅｘｃｈａｎｇｅ               ｔｏ               ｌｅｖｅｒａｇｅ               ｔｈｅｉｒ               ｐｕｒｃｈａｓｉｎｇ               ｐｏｗｅｒ               ｔｏ               ｇｅｔ               ｌｏｗｅｒ               ｒａｔｅｓ.

Ｎｏｎｅ               ｏｆ               ｔｈｅｓｅ               ｐｒｏｖｉｓｉｏｎｓ,               ｈｏｗｅｖｅｒ,               ｓｏｌｖｅ               ｔｈｅ               ｐｒｏｂｌｅｍ               ｏｆ               ｅｎｒｉｃｈｉｎｇ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｉｎｄｕｓｔｒｙ               ａｔ               ｔｈｅ               ｅｘｐｅｎｓｅ               ｏｆ               ｔｈｅ               ｐｏｏｒ               ａｎｄ               ｉｌｌｉｔｅｒａｔｅ.
               Ｈｏｕｓｅ               ｍｉｎｏｒｉｔｙ               ｌｅａｄｅｒ,               Ｊｏｈｎ               Ｂｏｅｈｎｅｒ,               Ｒ.,               Ｏｈｉｏ,               ｖｏｔｅｄ               ｎａｙ               ｏｎ               ｔｈｅ               ｌｅｇｉｓｌａｔｉｏｎ               ｂｕｔ               ｎｏｔ               ｂｅｃａｕｓｅ               ｉｔ               ｄｉｓｅｎｆｒａｎｃｈｉｓｅｄ               ｔｈｅ               ｐｏｏｒ.

Ｈｅ               ｓｉｍｐｌｙ               ａｒｇｕｅｓ               ｔｈａｔ               ａｎｙ               ｄｅｍｏｃｒａｔｉｃ               ｐｒｏｐｏｓｅｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｗｉｌｌ               ｉｎｃｒｅａｓｅ               ｃｏｓｔｓ,               ａｄｄ               ｔｏ               ｔｈｅ               ｓｋｙｒｏｃｋｅｔｉｎｇ               ｄｅｂｔ               ,               ｄｅｓｔｒｏｙ               ｊｏｂｓ,               ａｎｄ               ｃｕｔ               ｓｅｎｉｏｒｓ'               Ｍｅｄｉｃａｒｅ               ｂｅｎｅｆｉｔｓ.

Ｔｏ               ｆａｒ               ｔｏｏ               ｍａｎｙ               ｉｎ               ｃｏｎｇｒｅｓｓ               ｄｏｌｌａｒｓ               ａｒｅ               ｍｏｒｅ               ｉｍｐｏｒｔａｎｔ               ｔｈａｎ               ｍｅｅｔｉｎｇ               ｔｈｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｄｅｍａｎｄｓ               ｏｆ               ｔｈｅ               ｎａｔｉｏｎｓ               ｃｉｔｉｚｅｎｓ.
               Ｂｏｅｈｎｅｒ,               ｆｏｒ               ｅｘａｍｐｌｅ               ｖｏｔｅｄ               ｎａｙ               ｏｎ               Ｈ.Ｒ.

3962,               ｂｅｃａｕｓｅ               ｈｅ               ｉｓ               ｐａｉｄ               ｔｏ               ｄｏ               ｓｏ               ｂｙ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ｈｅａｌｔｈ               ｐｒｏｆｅｓｓｉｏｎａｌｓ.

Ｈｉｓ               ｎａｙ               ｖｏｔｅ               ｃｏｓｔ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｉｎｄｕｓｔｒｙ               ｉｎ               ｅｘｃｅｓｓ               ｏｆ               $202,000               ｉｎ               "ｃｏｎｔｒｉｂｕｔｉｏｎｓ."
               Ｔｉｔｕｓ,               ｗｈｏ               ｒｅｃｅｉｖｅｄ               $6,000               ｆｒｏｍ               ｔｈｅ               Ａｍｅｒｉｃａｎ               Ｈｅａｌｔｈ               Ｃａｒｅ               Ａｓｓｏｃｉａｔｏｎ               (ＡＨＣＡ),               ｄｉｄ               ｖｏｔｅ               ｙｅａ               ｉｎ-ｓｐｉｔｅ               ｏｆ               ＡＨＣＡ'ｓ               ｐｏｓｉｔｉｏｎ,               ｃｏｒｒｅｃｔｌｙ,               ｔｈａｔ               ＨＲ.

3962               ｗｉｌｌ               ｍａｋｅ               Ｍｅｄｉｃａｒｅ               ｕｎｓｕｓｔａｉｎａｂｌｅ               ａｎｄ               ｔｈｅｒｅｆｏｒｅ               ｄｅｔｒｉｍｅｎｔａｌ               ｔｏ               ｔｈｅ               ｎａｔｉｏｎ'ｓ               ｓｅｎｉｏｒｓ.
               Ｆｕｎｄａｍｅｎｔａｌｌｙ,               ｍｏｓｔ               Ｒｅｐｕｂｌｉｃａｎｓ               ａｓ               ｒｅｐｒｅｓｅｎｔｅｄ               ｂｙ               Ｂｏｅｈｎｅｒ               ａｒｅ               ｐｒｏｔｅｃｔｉｎｇ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｉｎｄｕｓｔｒｙ               ｆｒｏｍ               ｅｃｏｎｏｍｉｃ               ｄａｍａｇｅ.

Ｄｅｍｏｃｒａｔｓ,               ａｓ               ｒｅｐｒｅｓｅｎｔｅｄ               ｂｙ               Ｔｉｔｕｓ,               ａｐｐｅａｒ               ｔｏ               ｆｅｅｌ               ｔｈａｔ               ａｎｙｔｈｉｎｇ               ｉｓ               ｂｅｔｔｅｒ               ｔｈａｎ               ｎｏｔｈｉｎｇ.

Ａｓ               ａ               ｒｅｓｕｌｔ,               ｔｈｅ               ｐｏｏｒ               ｗｉｌｌ               ｂｅ               ｐｏｏｒｅｒ               ａｎｄ               Ｍｅｄｉｃａｒｅ               ｆｏｒ               ｓｅｎｉｏｒｓ               ｗｉｌｌ               ｂｅ               ｌｅｓｓ               ａｎｄ               ｈｅａｌｔｈｃａｒｅ               ｗｉｌｌ               ｒｅｍａｉｎ               ｅｓｓｅｎｔｉａｌｌｙ               ｔｈｅ               ｓａｍｅ:               ｔｈｅ               ｄｏｍａｉｎ               ｏｆ               ａ               ｐｒｏｆｉｔ               ｍｏｔｉｖａｔｅｄ               ｉｎｓｕｒａｎｃｅ               ｉｎｄｕｓｔｒｙ.
               Ｍｏｓｔ,               ｂｕｔ               ｎｏｔ               ａｌｌ,               ｏｆ               ｔｈｅ               ｉｎｅｑｕｉｔｉｅｓ,               ｃａｎ               ｂｅ               ｈｅｌｐｅｄ               ｂｙ               ａ               ｐｕｂｌｉｃ               ｏｐｔｉｏｎ               ｏｒ,               ｅｖｅｎ               ｂｅｔｔｅｒ,               ａ               ｓｉｎｇｌｅ               ｐａｙｅｒ               ｓｙｓｔｅｍ.

Ｔｈｅｓｅ               ｐｒｏｖｉｓｉｏｎｓ               ｓｅｅｍ               ｌｅｓｓ               ａｎｄ               ｌｅｓｓ               ｌｉｋｅｌｙ               ａｓ               ｐｏｌｉｔｉｃｉａｎｓ               ａｎｇｌｅ               ｆｏｒ               ｗａｙｓ               ｔｏ               ｓｕｃｋ               ｔｈｅ               ｐｏｏｒ               ａｎｄ               ｉｌｌｉｔｅｒａｔｅ               ｄｒｙ,               ｃｕｔ               Ｍｅｄｉｃａｒｅ               ａｔ               ｔｈｅ               ｆｅｄｅｒａｌ               ｌｅｖｅｌ,               ａｎｄ               ｔｒａｎｓｆｅｒ               ｉｎｅｖｉｔａｂｌｅ               ｃｕｔｓ               ｉｎ               Ｍｅｄｉｃａｉｄ               ｔｏ               ｔｈｅ               ｃａｓｈ               ｓｔａｒｖｅｄ               Ｇｏｖｅｒｎｏｒｓ.
               Ｍａｙｂｅ               ｓｏｍｅｔｈｉｎｇ               ｂｅｔｔｅｒ               ｗｉｌｌ               ｈａｐｐｅｎ               ａｓ               ｔｈｅ               Ｈｏｕｓｅ               ｖｅｒｓｉｏｎ               ｇｏｅｓ               ｔｏ               ｔｈｅ               Ｓｅｎａｔｅ               ｆｏｒ               ｃｏｎｓｉｄｅｒａｔｉｏｎ.

Ａｃｃｏｒｄｉｎｇ               ｔｏ               Ｓｅｎａｔｏｒ               Ｈａｒｒｙ               Ｒｅｉｄ,               Ｄ.,               Ｎｅｖ.,               ｔｈｅ               ｎｅｘｔ               ｓｔｅｐ               ｉｎ               ｔｈｅ               ｈｅａｌｔｈ               ｒｅｆｏｒｍ               ｐｒｏｃｅｓｓ               ｉｓ               ｔｏ               "ｆｉｎｄ               ｍｉｄｄｌｅ-ｇｒｏｕｎｄ               ｔｈａｔ               ｗｉｌｌ               ｃｒｅａｔｅ               ｃｏｍｐｅｔｉｔｉｏｎ               ｔｏ               ｍａｋｅ               ｈｅａｌｔｈ               ｃａｒｅ               ｍｏｒｅ               ａｆｆｏｒｄａｂｌｅ               ｆｏｒ               ａｌｌ               Ｎｅｖａｄａｎｓ."               Ｕｎｆｏｒｔｕｎａｔｅｌｙ,               ｔｈｅｒｅ               ｉｓ               ｎｏ               ｍｉｄｄｌｅ               ｇｒｏｕｎｄ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｐａｓｓｉｎｇ               ｔｈｅ               ｂｕｒｄｅｎ               ｏｎ               ｈｅａｌｔｈ               ｃａｒｅ               ｔｏ               ｔｈｅ               ｉｌｌｉｔｅｒａｔｅ,               ｐｏｏｒ,               ａｎｄ               ｄｉｓｅｎｆｒａｎｃｈｉｓｅｄ.
               Ｓｅｅ               ｍｏｒｅ               ａｔ:               Ａｍｅｒｉｃａｎ               Ｈｅａｌｔｈ               Ｃａｒｅ               Ａｓｓｏｃｉａｔｉｏｎ               ＳＯＳ               Ｓａｖｅ               ｏｕｒ               ＳｅｎｉｏｒｓＤｉｎａ               Ｔｉｔｕｓ,               Ｄ.,               Ｎｅｖ.,               Ｃｏｎｇｒｅｒｓｓｏｎａｌ               Ｂｕｄｇｅｔ               Ｏｆｆｉｃｅ               ｏｎ               Ｈ.Ｒ.

3962               Ｈａｒｒｙ               Ｒｅｉｄ.,               Ｄ.,               Ｎｅｖ:               Ｒｅｉｄ               Ｏｕｔｌｉｎｅｓ               Ｎｅｘｔ               Ｓｔｅｐ.Ｊｏｈｎ               Ｂｏｅｈｎｅｒ,               Ｒ.,               Ｏｈｉｏ,               Ｎａｔｉｏｎａｌ               Ｃｏａｌｉｔｉｏｎ               ｏｎ               Ｈｅａｌｔｈ               ＣａｒｅＮａｔｉｏｎａｌ               Ｒｉｇｈｔ               ｔｏ               Ｒｅａｄ               Ｆｏｕｎｄａｔｉｏｎ.Ｏｐｅｎ               Ｃｏｎｇｒｅｓｓ:               Ｊｏｈｎ               ＢｏｅｈｎｅｒＯｐｅｎ               Ｃｏｎｇｒｅｓｓ:               ＨＲ               3962               Ａｆｆｏｒｄａｂｌｅ               Ｈｅａｌｔｈ               Ｃａｒｅ               ｆｏｒ               Ａｍｅｒｉｃａ               ＡｃｔＯｐｅｎＳｅｃｒｅｔｓ:               Ｊｏｈｎ               Ｂｏｅｈｎｅｒ               ＯｐｅｎＳｅｃｒｅｔｓ:               Ｄｉｎａ               Ｔｉｔｕｓ






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