Goings And Comings

July 21, 2004 at 08:00 PM
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Health Coverage Credits Bill Unveiled

Legislation crafted to help those in the gap between public and private health insurance was introduced in the House last week, but even one of its co-sponsors acknowledged that it has little if any chance of being acted on by Congress.

Offering what he called some Arizona straight talk, Rep. J.D. Hayworth, R-Ariz., acknowledged that we probably wont see committee action or floor action on this bill, given the legislative calendar and the upcoming break for lawmakers. However, he added, the bill would set a marker on the issue.

Hayworth also suggested that the break could provide an impetus for lawmakers to act on the issue after meeting with their constituents. In the age of the Internet, people get it, he said, expressing no doubt that as members returned to their districts, people will be hearing it.

The legislation, sponsored by Hayworth and Collin Peterson, D-Minn., offers a tax credit to those who make too much money annually to qualify for Medicaid, but cannot afford private health coverage and do not receive it through their employer. It would subsidize 90% of premiums, up to a maximum of $1,000 for an individual or spouse and $500 for each of two children. The full credit would be applied for all individuals with gross incomes under $15,000 annually, with a gradual phase-out for those with incomes under $30,000 per year. For families, the full credit would apply to those making under $25,000 annually, with the phase-out existing for those with incomes up to $60,000 per year.

We can have what really is practical and compassionate, said Hayworth. We have a chance to move within the means of government, but more importantly, within the means of the family budget.

Similar legislation has been introduced in the Senate, by Majority Leader William Frist, R-Tenn., and Peterson said he welcomed the companion piece, which would help put into legislative language the vision spoken by the president, in the State of the Union address.

Several supporters of the bill also appeared with Peterson. Laura Clay Trueman, executive director for the Coalition for Affordable Health Care, said legislators should not wait another day to address the problem, claiming that both consumers and those who would provide them coverage are waiting for lawmakers to act.

This bill targets those who need help the most, she said. This legislation will work. Insurance companies are anxious to compete for the additional consumers the bill would put into the marketplace, which she estimated at 15 million people. Additionally, Clay Trueman responded to those who have claimed the problem of the uninsured would be best solved by increasing the number of currently uninsured Americans eligible for public health insurance.

The reality is that almost one-third of the uninsured are already eligible for Medicaid, she said, adding that easing the eligibility requirements is not the answer.

Another supporter, eHealthinsurance chief operating officer Robert S. Hurley, offered his assessment of the bill in simple terms.

This bill will absolutely make health insurance more affordable for millions of consumers, he said.


Reproduced from National Underwriter Edition, July 22, 2004. Copyright 2004 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.


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