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8/14/2019 HR 3200: Health Care Reform, in Short Form
1/31
1
Rep. Robert C.Rep. Robert C. BobbyBobby ScottScott
Wednesday, September 2, 2009Wednesday, September 2, 2009WTKR News Channel 3WTKR News Channel 3
Norfolk, VANorfolk, VA
THE NEED FOR HEALTH CAREREFORM
8/14/2019 HR 3200: Health Care Reform, in Short Form
2/31
2
TheStatus
Quo
is
Unsustainable.
TheStatusQuoisUnsustainable.
8/14/2019 HR 3200: Health Care Reform, in Short Form
3/31
3
Health Expenditure as Percentage of GDPHealth Expenditure as Percentage of GDP
0
2
46
8
10
12
14
16
18
Percent
US
FranceGermany
Ireland
Japan
CanadaOCED Average
Prepared by the Office of Congressman Robert C. Bobby ScottSource: OCED Health Data, 2009
TheUSspendsmoreonhealthcarethananyothernation. EvenTheUSspendsmoreonhealthcarethananyothernation. Even thoughthoughwepaymore,wegetless. 15%uninsured,moreunderinsured,peowepaymore,wegetless. 15%uninsured,moreunderinsured,peopleple whowhodon'taccesshealthcarebecauseofdon'taccesshealthcarebecauseoflackofinsurancelackofinsurance andpooroutcomesinandpooroutcomesintermsofinfantmortality,lifeexpectancyanddeathduetoprevtermsofinfantmortality,lifeexpectancyanddeathduetopreventableentabledisease.disease.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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Lack of Security:Lack of Security:Denial Based on PreDenial Based on Pre--existing Conditionsexisting Conditions
IfyouloseyourjobandcurrenthealthinsuranceIfyouloseyourjobandcurrenthealthinsurance
coverageand
you
have
aprecoverage
and
you
have
apre
existing
condition
you
existing
condition
you
mayhavetroublegettingremayhavetroublegettingreinsured.insured.
InVirginia,premiumscanvarybasedonInVirginia,premiumscanvarybasedon
demographicfactors
and
health
status,
and
coverage
demographic
factors
and
health
status,
and
coverage
canbealltogetherexcludedbasedonprecanbealltogetherexcludedbasedonpreexistingexistingconditions.conditions.
Thosewith
preThose
with
pre
existing
conditions
that
have
existing
conditions
that
have
insuranceoftenpayhigherpremiums.insuranceoftenpayhigherpremiums.
8/14/2019 HR 3200: Health Care Reform, in Short Form
5/31
5
Lack of Security:Lack of Security:Many Who Have Insurance May Lose ItMany Who Have Insurance May Lose It
Employeebasedcoverageisdeclining:Employeebasedcoverageisdeclining:ThepercentofThepercentofVirginianswithemployerprovidedhealthinsurancefellfrom68Virginianswithemployerprovidedhealthinsurancefellfrom68to62%between2000and2007.to62%between2000and2007.
SmallBusinessescannotaffordcoverageforemployees:SmallBusinessescannotaffordcoverageforemployees:WhileWhilesmall
businesses
make
up
71%
of
Virginia
businesses,
only
48%
small
businesses
make
up
71%
of
Virginia
businesses,
only
48%
ofthemofferedhealthcoveragebenefitsin2006.Nationally,ofthemofferedhealthcoveragebenefitsin2006.Nationally,thenumberofsmallbusinessesofferinginsurancehasfallenthenumberofsmallbusinessesofferinginsurancehasfallenfrom61%in1993to38%.from61%in1993to38%.
Americansarelosingtheirhealthinsuranceatarateof14,000Americansarelosingtheirhealthinsuranceatarateof14,000Americansperday.Americansperday. 46millionAmericanshavenohealthinsurancetodayand46millionAmericanshavenohealthinsurancetodayand
millionsmoreareunderinsured.millionsmoreareunderinsured.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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6
We are Already Paying for theWe are Already Paying for the
UninsuredUninsured
ThecostsofcaringfortheuninsuredareThecostsofcaringfortheuninsuredare
shiftedontoAmericansintermsofshiftedontoAmericansintermsof
higherpremiums
higher
premiums
an
additionalan
additional
$1,017annuallyforfamiliesand$368$1,017annuallyforfamiliesand$368
annuallyfor
individuals.
annually
for
individuals.
8/14/2019 HR 3200: Health Care Reform, in Short Form
7/31
7
ItIts Getting Worses Getting Worse
Healthcarecostscontinuetorisefasterthaninflation:Healthcarecostscontinuetorisefasterthaninflation:AlthoughwageshaveincreasedataboutthesamerateasAlthoughwageshaveincreasedataboutthesamerateas
inflation,insurancepremiumshavemorethandoubled.inflation,insurancepremiumshavemorethandoubled.
Since2000alone,percapitapremiumshavedoubledandareSince2000alone,percapitapremiumshavedoubledandare
projectedtodoubleagaininthenext10years.projectedtodoubleagaininthenext10years.
Since1987,thecostoftheaveragefamilyhealthinsuranceSince1987,thecostoftheaveragefamilyhealthinsurancepolicyhasrisenfrom7%ofmedianfamilyincometo17%.policyhasrisenfrom7%ofmedianfamilyincometo17%.
8/14/2019 HR 3200: Health Care Reform, in Short Form
8/31
8
Cumulative Changes in HealthCumulative Changes in Health
Insurance Premiums, Inflation, andInsurance Premiums, Inflation, andWorkersWorkers Earnings, 1999Earnings, 1999--20082008
119%
34%
29%
0%
20%
40%
60%
80%
100%
120%
140%
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
Health Insurance P remiums
Workers' Earnings
Overall Inflation
Note: Due to a change in methods, the cumulative changes in the average familypremium are somewhat different from those reported in previous versions of theKaiser/HRET Survey of Employer-Sponsored Health Benefits. See the Survey Designand Methods Section for more information, available athttp://www.kff.org/insurance/7790/index.cfm.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2000-2008.Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation(April to April), 2000-2008; Bureau of Labor Statistics, Seasonally Adjusted Data from
the Current Employment Statistics Survey, 2000-2008 (April to April).
8/14/2019 HR 3200: Health Care Reform, in Short Form
9/31
9
Source: Centers for Medicare and Medicaid Services, Office of the Actuary, National Health Statistics Group, at
http://www.cms.hhs.gov/NationalHealthExpendData/ (Historical data from NHE summary including share of GDP, CY 1960-2007, filenhegdp07.zip; Projected data from NHE Projections 2008-2018, Forecast summary and selected tables, file proj2008.pdf).
$8,160
(2009)
$13,100
(2018)
$2,814
(1990)
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
Per Capita
Projected Per Capita
Actual P rojected
National Health Expenditures perNational Health Expenditures per
Capita, 1990Capita, 1990--20182018
8/14/2019 HR 3200: Health Care Reform, in Short Form
10/31
10
CurrentCurrent--Law Spending on Health Care asLaw Spending on Health Care as
Percentage of Gross Domestic ProductPercentage of Gross Domestic Product
Percentage of GDP
Source: CBOSource: House Budget Committee.
8/14/2019 HR 3200: Health Care Reform, in Short Form
11/31
11
AmericaAmericas Affordable Health Choicess Affordable Health Choices
Act: HR 3200Act: HR 3200
AmericaAmericasAffordableHealthChoicesActprovidesqualitysAffordableHealthChoicesActprovidesquality
affordablehealth
care
for
all
Americans
and
controls
healthaffordable
health
care
for
all
Americans
and
controls
health
carecostgrowth.Keyprovisionsofthebillinclude:carecostgrowth.Keyprovisionsofthebillinclude:
COVERAGEANDCHOICECOVERAGEANDCHOICE AFFORDABILITYAFFORDABILITY SHAREDRESPONSIBILITYSHAREDRESPONSIBILITY CONTROLLINGCOSTSCONTROLLINGCOSTS
PREVENTIONAND
WELLNESS
PREVENTIONANDWELLNESS WORKFORCEINVESTMENTSWORKFORCEINVESTMENTS
8/14/2019 HR 3200: Health Care Reform, in Short Form
12/31
12
H.R. 3200:H.R. 3200:
Greater CoverageGreater Coverage
Allbusinesses,
with
some
exceptions
for
the
smallest
businessesAll
businesses,
with
some
exceptions
for
the
smallest
businesses,
,
willprovidehealthinsuranceforitsemployeesorpayafee.willprovidehealthinsuranceforitsemployeesorpayafee.
PrivateinsurancecompanieswillnolongerbeabletoPrivateinsurancecompanieswillnolongerbeableto
discriminatebased
on
prediscriminate
based
on
pre
existing
conditions.existingconditions.
AllindividualsnotcoveredbytheiremployerswillbuyinsurancAllindividualsnotcoveredbytheiremployerswillbuyinsurance,e,
somewiththehelpofaffordabilitycredits.somewiththehelpofaffordabilitycredits.
8/14/2019 HR 3200: Health Care Reform, in Short Form
13/31
13
H.R. 3200:H.R. 3200:
Increased ChoiceIncreased Choice
Ifyoulikeyourinsurance,Ifyoulikeyourinsurance,
YOUCAN
KEEP
IT
YOUCANKEEPIT..
8/14/2019 HR 3200: Health Care Reform, in Short Form
14/31
14
The ExchangeThe Exchange If you are not covered by your employer,If you are not covered by your employer, youhavetheyouhavetheoptionoption toto
purchaseinsurancethroughthenewHealthInsuranceExchange.purchaseinsurancethroughthenewHealthInsuranceExchange.
ThebasicpackageoftheExchange,includingthepublicoption,ThebasicpackageoftheExchange,includingthepublicoption,ismodeledaftertheFederalEmployeeHealthBenefit(FEHB)ismodeledaftertheFederalEmployeeHealthBenefit(FEHB)plans,whichcoversallfederalemployees,includingMembersplans,whichcoversallfederalemployees,includingMembersofCongressandCongressionalemployees.ofCongressandCongressionalemployees.
ThiswillcreateatransparentandfunctionalmarketplaceforThiswillcreateatransparentandfunctionalmarketplaceforindividualsandsmallbusinessestocomparisonshopamongindividualsandsmallbusinessestocomparisonshopamongprivateandpublicinsurers.privateandpublicinsurers.
8/14/2019 HR 3200: Health Care Reform, in Short Form
15/31
15
The ExchangeThe Exchange
Theexchange
will
give
you
achoice
of
several
options
while
in
The
exchange
will
give
you
achoice
of
several
options
while
in
manystatestodaythereareNOoptions.manystatestodaythereareNOoptions.
InMOSTstates,includingVirginia,InMOSTstates,includingVirginia, onehealthinsurerhasaonehealthinsurerhasa
marketshare
of
over
50%,
and
inmarket
share
of
over
50%,
and
in at
least
9states,
one
insurer
at
least
9states,
one
insurer
hasamarketshareinexcessof70%.hasamarketshareinexcessof70%.
8/14/2019 HR 3200: Health Care Reform, in Short Form
16/31
16
Lack of Choice:Lack of Choice:
More Than Half the States in US areMore Than Half the States in US areDominated by 1 InsurerDominated by 1 Insurer
8/14/2019 HR 3200: Health Care Reform, in Short Form
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17
H.R. 3200: Benefit PackagesH.R. 3200: Benefit Packages
BasicPlanBasicPlanincludes:includes:
Inpatient
&
Outpatient
hospital
services
Inpatient
&
Outpatient
hospital
services
PhysicianservicesincludingequipmentandsuppliesPhysicianservicesincludingequipmentandsupplies
PreventiveandWellnessservicesPreventiveandWellnessservices
Prescriptiondrugs
Prescription
drugs
MaternityservicesMaternityservices
Wellbabyandwellchildvisitsandoralhealth,vision,andheaWellbabyandwellchildvisitsandoralhealth,vision,andhearingservicesringservicesforchildrenforchildren
RehabilitativeservicesRehabilitativeservices
MentalhealthandsubstanceabuseservicesforchildrenandadulMentalhealthandsubstanceabuseservicesforchildrenandadultsts
TheExchangemakesavailablefourtiersofbenefitpackagesfromwhichconsumerscanchoosetobestmeettheirhealthcareneeds.
8/14/2019 HR 3200: Health Care Reform, in Short Form
18/31
18
H.R. 3200: Benefit PackagesH.R. 3200: Benefit Packages
Eachtierincludesthecoresetofcoveredbenefits,butprovideEachtierincludesthecoresetofcoveredbenefits,butprovide moremoregenerouscostsharingprotectionsthanthebasicplan. Youwillgenerouscostsharingprotectionsthanthebasicplan. Youwill havehavethe
option
to
purchase:
theoptiontopurchase: EnhancedPlan:EnhancedPlan: IncludesthecoresetofcoveredbenefitswithmoreIncludesthecoresetofcoveredbenefitswithmore
generouscostsharingprotectionsthantheBasicplan.generouscostsharingprotectionsthantheBasicplan.
PremiumPlan:PremiumPlan: IncludesthecoresetofcoveredbenefitswithmoreIncludesthecoresetofcoveredbenefitswithmoregenerouscostsharingprotectionsthantheEnhancedplan.generouscostsharingprotectionsthantheEnhancedplan. PremiumPlusPlan:PremiumPlusPlan: Includesthecoresetofcoveredbenefits,themoreIncludesthecoresetofcoveredbenefits,themore
generouscostsharingprotectionsofthePremiumplan,andadditgenerouscostsharingprotectionsofthePremiumplan,andadditionalional
covered
benefits
covered
benefits
(e.g.,vision
and
oral
health
coverage
for
adults,
gym
(e.g.,
vision
and
oral
health
coverage
for
adults,
gym
memberships,etc.)memberships,etc.) thatwillvaryperplan.Inthiscategory,insurersthatwillvaryperplan.Inthiscategory,insurersmustdisclosetheseparatecostoftheadditionalbenefitssocomustdisclosetheseparatecostoftheadditionalbenefitssoconsumersnsumersknowwhattheyknowwhattheyrepayingforandcanchooseamongplansaccordingly.repayingforandcanchooseamongplansaccordingly.
8/14/2019 HR 3200: Health Care Reform, in Short Form
19/31
19
H.R. 3200: The PublicH.R. 3200: The Public OptionOption
GovernmentGovernmentruninsuranceplansarepopularruninsuranceplansarepopular
andareefficientlyrun.andareefficientlyrun.
8/14/2019 HR 3200: Health Care Reform, in Short Form
20/31
20
RatingofHealthInsurancePlansRatingofHealthInsurancePlansUsing 0 to 10, where 0 is the worst possible and 10 is the bestUsing 0 to 10, where 0 is the worst possible and 10 is the best possible, how would you ratepossible, how would you rateyour health plan?your health plan?
17
14
21
21
28
26
28
40
56
60
51
40
0% 20% 40% 60% 80% 100%
Medicare
Medicare
advantage
Medicaid
Private
Insurance
0 to 6
7 to 8
9 or 10
Prepared
by
the
Office
of
Congressman
Robert
C.
Bobby ScottSource:2007CAHPSsurveyresults,Dept.ofHealth&HumanServices
8/14/2019 HR 3200: Health Care Reform, in Short Form
21/31
21
Administrative Costs of MedicareAdministrative Costs of Medicare
and Private Insurers, 2007and Private Insurers, 2007
0
5
10
15
20
25
30
P
ercentage
oftotalco
st
Prepared by the Office of Congressman Robert C. Bobby ScottSources: Key Issues in Analyzing Major Health Insurance Proposals, CBO, http://cbo.gov/ftpdocs/99xx/doc9924/12-18-KeyIssues.pdf&PricewaterhouseCoopers Health Research Institute
MedicarePrivateInsurer
Average
UnitedHealthGroup
8/14/2019 HR 3200: Health Care Reform, in Short Form
22/31
22
H.R. 3200: Increased ChoiceH.R. 3200: Increased Choice
Employerscan
NOT
require
their
employees
Employers
can
NOT
require
their
employees
toselectaparticularoptiontoselectaparticularoption privateorprivateor
public.public.
8/14/2019 HR 3200: Health Care Reform, in Short Form
23/31
23
H.R. 3200: Public OptionH.R. 3200: Public Option
ThepublicoptionwillbefinancedbypremiumsandThepublicoptionwillbefinancedbypremiumsand
willnotbesubsidizedbytaxpayerdollars.willnotbesubsidizedbytaxpayerdollars.
8/14/2019 HR 3200: Health Care Reform, in Short Form
24/31
24
H.R. 3200: AffordabilityH.R. 3200: Affordability
ProvidesslidingscaleaffordabilitycreditsforlowProvidesslidingscaleaffordabilitycreditsforlow andmoderateandmoderateincomeindividualsandfamiliesupto400%oftheFederalPovertincomeindividualsandfamiliesupto400%oftheFederalPovertyyLevel(upto$43,320foranindividual;$88,200forafamilyofLevel(upto$43,320foranindividual;$88,200forafamilyoffour)sofour)sothattheymaypurchasehealthinsurance.thattheymaypurchasehealthinsurance.
CapsAnnualOutCapsAnnualOutofofpocketspendingat$5,000foranindividualandpocketspendingat$5,000foranindividualand$10,000forafamily.$10,000forafamily.
LowersCosts
of
prescription
drugs
by
closing
the
Lowers
Costs
of
prescription
drugs
by
closing
the
donut
holedonuthole in
in
MedicarePartMedicarePartD.D.
Medicaidwillbeexpandedtoincludefamilies,adultsandchildrMedicaidwillbeexpandedtoincludefamilies,adultsandchildren, aten, atorbelow133%ofpoverty. (upto$14,400foranindividualandorbelow133%ofpoverty. (upto$14,400foranindividualand$29,300
for
afamily
of
four).
$29,300
for
afamily
of
four).
CompetitionfromtheExchangewilldrivedowncosts.CompetitionfromtheExchangewilldrivedowncosts.
CostCostshifting
because
of
uncompensated
care
will
be
reduced.
shifting
because
of
uncompensated
care
will
be
reduced.
8/14/2019 HR 3200: Health Care Reform, in Short Form
25/31
25
H.R. 3200: Prevention and WellnessH.R. 3200: Prevention and WellnessThebillalsoprovidesanimportantandoverduefocusonpreventThebillalsoprovidesanimportantandoverduefocusonpreventionandionandwellnessservicestoensurethatpeoplecangethealthyandstaywellnessservicestoensurethatpeoplecangethealthyandstay healthy.healthy.
ExpansionofCommunityHealthCenters.ExpansionofCommunityHealthCenters.
ProhibitionofcostProhibitionofcostsharingforpreventiveservices(NoCosharingforpreventiveservices(NoCoPays).Pays).
SupportforcommunitySupportforcommunitybasedprogramswhichdeliverpreventionandbasedprogramswhichdeliverpreventionandwellness
services.
wellness
services.
Targethealthdisparities.Targethealthdisparities.
FundstostrengthenstateandlocalpublichealthdepartmentsanFundstostrengthenstateandlocalpublichealthdepartmentsandd
programs.
programs.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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26
H.R. 3200:H.R. 3200:
Workforce InvestmentsWorkforce Investments
IncreasessupportfortheNationalHealthServiceCorps.IncreasessupportfortheNationalHealthServiceCorps.
ProvidesfundingtosupportprimarycaretrainingprogramsProvidesfundingtosupportprimarycaretrainingprogramsandbuildacademiccapacityinprimarycare.andbuildacademiccapacityinprimarycare.
Expandseducation,practice,andretentionprogramsforExpandseducation,practice,andretentionprogramsfornurses.nurses.
Investsin
health
information
technology
to
improve
Invests
in
health
information
technology
to
improve
coordinationofcare,promoteefficiency,avoidmistakes,andcoordinationofcare,promoteefficiency,avoidmistakes,andimproveoutcomes.improveoutcomes.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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27
H.R. 3200:H.R. 3200:
Shared ResponsibilityShared Responsibility LargeEmployersLargeEmployerswillberesponsibleforwillberesponsiblefor 72.5%ofyourhealth72.5%ofyourhealth
insurancepremium(65% forafamilypolicy)iftheyofferhealtinsurancepremium(65% forafamilypolicy)iftheyofferhealthh
coverage.
Theemployer
may
choose
to
optcoverage.
The
employer
may
choose
to
opt
out
of
coverage
and
pay
out
of
coverage
and
pay
a8%surchargesothattheiremployeescanpurchaseinsurancea8%surchargesothattheiremployeescanpurchaseinsurancethroughtheExchange.throughtheExchange.
SmallBusinessesSmallBusinesses withanannualpayrollupto$250,000whoofferwithanannualpayrollupto$250,000whoofferhealth
insurance
to
their
employees
will
be
eligible
for
atax
chealth
insurance
to
their
employees
will
be
eligible
for
atax
credit
up
redit
up
to50%oftheirhealthcarecosts.Iftheychoosenottoprovideto50%oftheirhealthcarecosts.Iftheychoosenottoprovidecoveragetheywillbeexemptfromthehealthcaresurcharge.coveragetheywillbeexemptfromthehealthcaresurcharge.
Allothersmallbusinesswithanannualpayrollabove$250,000Allothersmallbusinesswithanannualpayrollabove$250,000
who
choose
not
to
provide
health
coverage
will
be
required
to
who
choose
not
to
provide
health
coverage
will
be
required
to
paythesurchargeonagraduatedscaleof2%paythesurchargeonagraduatedscaleof2% 8%.8%.
IndividualsIndividualswiththehelpofaffordabilitycreditswiththehelpofaffordabilitycredits willberequiredtowillberequiredtopurchasehealthinsurance,exceptincasesofhardshiporreligipurchasehealthinsurance,exceptincasesofhardshiporreligiousousexemption.exemption.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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28
H.R.3200isdeficitneutralandH.R.3200isdeficitneutralandwillbecompletelypaidforoverwillbecompletelypaidforover
tenyears.tenyears.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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29
Paying for Health Care ReformPaying for Health Care Reform
$110
$100
$102
$544
$156
Eliminating Overpayments
to Private Medicare
Advantage Plans
Medicare Productivity
Improvements
Dual Enrollee Rebate &
Prescription Drug Savings
Other Savings (ie:
Promoting Coordinated
Care)
Surchage Paid by
Wealthiest 1.2%
In Billions of Dollars
Prepared by the Office of Congressman Robert C. Bobby ScottSource: Committee on Ways and Means, Paying for Health Reform
8/14/2019 HR 3200: Health Care Reform, in Short Form
30/31
30
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
Surcharge Estate TaxRepeal
Iraq &Afghanistan
ExtendingBush Tax Cuts
Clinton 10 yrSurplus
CumulativeBush OverSpending
Surcharge Compared to other
Government SpendingIn Billions of Dollars
Prepared by the Office of Congressman Robert C. Bobby Scott
Sources: Congressional Research Service, The Cost of Iraq, Afghanistan, and Other Global War on Terror Operations Since 9/11;Congressional ResearchService, Estate and Gift Tax Revenues: Past and Projected in 2009; &Congressional Budget Office.
8/14/2019 HR 3200: Health Care Reform, in Short Form
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31
H.R. 3200 will provide significantH.R. 3200 will provide significant
benefits for the 3benefits for the 3rdrd CongressionalCongressionalDistrict of VirginiaDistrict of Virginia
14,200smallbusinesses14,200smallbusinesses couldreceivetaxcreditstoprovidecouldreceivetaxcreditstoprovidecoveragetotheiremployees.coveragetotheiremployees. 6,200seniors6,200seniorswouldavoidthedonutholeinMedicarePartD.wouldavoidthedonutholeinMedicarePartD. 1,4701,470 familiesfamilies couldescapebankruptcyeachyearduetocouldescapebankruptcyeachyeardueto
unaffordablehealthcarecosts.unaffordablehealthcarecosts.
HealthcareproviderswouldreceivepaymentforHealthcareproviderswouldreceivepaymentfor$85million$85million ininuncompensated
care
each
year.uncompensated
care
each
year.
73,000uninsuredindividuals73,000uninsuredindividuals wouldgainaccesstohighwouldgainaccesstohighquality,quality,affordablehealthinsurance.affordablehealthinsurance.