#AZ House Debates, Passes Association Health Plans SB1085 (video)

Although we had a short floor calendar on May 1, we had some rousing debates. The highlight was a two-hour debate on SB1085, association health plans. (Watch the action here, beginning at 19:32 min.)

The Republicans have had three bills this year to lower healthcare insurance costs by encouraging people to leave the healthcare marketplace. I agree that the Affordable Care Act is too expensive, particularly for sole proprietors (like my husband who was offered a silver ACA plan for more than $1000 per month just for him.) This is why I voted for direct care contracts. I believe those are a better deal for sole proprietors than association health plans.)

Democrats debated valiantly, led by Health and Human Services Ranking Member Rep. Kelli Butler (right). Here, she does Q&A with Rep. Isela Blanc.

I get that costs are too high, but the association health plans are not the way to go. They could, indeed, lower costs for business owners, but they could be risky due to limited coverage. There are reasons why these plans will likely be cheaper. Remember the old adage “you get what you pay for”. If sole proprietor business owners want to take a risk with their own insurance and their own health, I have a mind to let them take their own risk. (Just don’t ask me to help you later with a Go Fund Me Request if it turns out I was right on limited coverage under cheap junk insurance plans.)

Where I object is when businesses are making these risky insurance decisions for their employees— just to save money.

Continue reading #AZ House Debates, Passes Association Health Plans SB1085 (video)

Direct Care Contracts: Cheap Non-Insurance Plans Could Put Patients at Risk (video)

Banner University Medical Center

In the Health and Human Services Committee, we have heard a few different insurance plans that would be cheaper and less comprehensive alternatives to the Affordable Care Act (ACA).

With SB1105, healthcare moves into the gig economy. SB1105 covers direct primary care agreements, a non-insurance alternative to the ACA.  In Arizona, people are already allowed to make one-on-one contracts with a healthcare provider for certain services for a designated mount of money per month.

This bill clarifies existing law and says that these contracts are not insurance and, therefore, not regulated by the Arizona Department of insurance. It also says that you can have contracts with doctors, physicians assistants, nurse practitioners, nurses, dentists, and physical therapists.

If you take this to it’s illogical extreme, you could have multiple contracts with different providers for different menus of services. Unless you are really good at contract law, you could end up having several contracts, paying monthly bills to each of these providers and still not getting the care that you need. Since these plans are not insurance, you would not be able to take your complaints to a bureaucrat at an insurance company or at the Department of Insurance.

Direct current primary care agreements are supposed to fill a niche in the healthcare market. The ACA is too expensive, particularly for sole proprietors. These are business people who are their business. Professional people, consultants, artists and musicians could all be sole proprietors.

Continue reading Direct Care Contracts: Cheap Non-Insurance Plans Could Put Patients at Risk (video)

Are Unregulated Health Insurance Plans Good for #AZ Consumers?

Healthcare forum

In the Health and Human Services Committee on Thursday, Feb 14, we are hearing a long list of bills including two about health insurance.

HB2375 would extend short-duration insurance to three years. This insurance is currently capped at one year because it is seen as a stop-gap measure for people who are between jobs or disconnected from insurance for some reason.

HB2376 relates to association health care plans for small businesses and sole proprietors. This bill allows them to band together and buy insurance as a group. A concern with this idea is regarding the quality of insurance that will be purchased and how that will impact workers who will be included under these plan.

Will association health plans cover essential health benefits, like the Affordable Care Act does? Will they cover people with pre-existing conditions? Will they have lifetime insurance caps? Will coverage be determined by the employer’s “deeply held religious beliefs”?

These association health insurance plans will NOT be regulated by the Arizona Department of Insurance. I fear that this will be Wild West Health Insurance, which will be cheap but not comprehensive.

We still have a problem in this country with medical bankruptcy. People buy the insurance they can afford, rather than the insurance they need. Cheap plans don’t offer full coverage and can leave patients in dire financial straits.

On the macro-economic level, these plans could lure people out of the Healthcare Marketplace and weaken the system.

If you are on Request to Speak at the AZLeg website, please offer an opinion on 2375 and 2376.

Healthcare & Equality: Two Big Events on Nov 1 (video)

ERA

When your state and your Congressional district are being targeted by both major political parties and several special interest groups, the days leading up to Election Day are fast-paced as national groups and speakers come to Arizona.

Nov. 1 is a big day for political events.

Tucsonans Talk Back to McSally & Trump Jr.

As Donald Trump Jr. stumps for Congresswoman Martha McSally in Maricopa County, Tucsonans will be protesting in front of her office on Broadway Blvd. Organized by Arizona Healthcare Voters, the purpose of the rally is to call out McSally’s lies about her votes on the Affordable Care Act and on healthcare in general. Media advisory here.

As the ranking member of the Arizona House Health Committee, I am happy to be participating in this event hosted by Arizona Healthcare Voters.

The US has the most expensive and least effective healthcare insurance system when compared to other developed countries. McSally and the Republican Party want to make our already overly complicated and expensive system even more restricted and more expensive. That is going in the wrong direction.

Come on down and tell McSally what you think of her record on healthcare, health insurance, the Affordable Care Act, Medicare, Medicaid, and more.

The organizers’ Facebook event is here.
https://www.facebook.com/events/429229150943449/

Equal Means Equal presents: The Equality Tour 2018

To gear up for Nov. 6 and for the 54th Session of the Arizona Legislature, the Equal Means Equal Equality Tour is stopping in Tucson on Nov. 1 and in Tempe in Nov. 3.

The directors of the movie “Equal Means Equal,” Kamala Lopez and Natalie White, will be in town for the event.

Come on down for a full evening of entertainment– dotted with a few speeches. I will be one of the speakers, along with LD9 Senate candidate Victoria Steele.

Continue reading Healthcare & Equality: Two Big Events on Nov 1 (video)

Balancing Responsibility & Liberty: The Yin & Yang of Public Policy

This is the text of the talk that I gave at the Unitarian Universalist Church of Tucson (UUCT) on July 30, 2017. (Watch the video here.)

Rep. Pamela Powers HannleyOur lives are made up of the choices we make. Although they range from the mundane to the profound, all of our choices bundled together determine balance or imbalance in our lives. Taoist philosophers believed that to lead a happy and tranquil life, one must live in balance with the forces of nature—the yin and the yang, the female and male, the good and evil.

In her book, Envisioning a New World, UU Rev. Rosemarie Carnarius applies the concept of balancing yin and yang to public policy. She suggests that we should try to consciously balance social responsibility—the yin—with individual liberty—the yang. It sounds so simple yet so profound. Like the Tao.

Carnarius goes on to point out that with the our country’s Declaration of Independence, “… for the first time in history, an individual’s right to life, liberty and the pursuit of happiness was proclaimed as divinely ordained, unassailable, and constitutionally guaranteed.” A huge step for the common man.

Also, lest our new country devolve into the lawlessness of unbridled individualism, the framers of the Constitution balanced “the ascendency of the individual” with a “trust in humanity’s capacity for self-governance.”

Democracy—the voice of the people—would balance the rights of the individual.

Continue reading Balancing Responsibility & Liberty: The Yin & Yang of Public Policy