GOP Healthcare Plan

Here is a summary of the GOP healthcare plan, as outline on Congressman Tim Murphy's website. This is a common sense approach to healthcare reform.

• Establishing Universal Access Programs to guarantee access to affordable care for those with pre-existing conditions. The plan creates Universal Access Programs that expand and reform high-risk pools and reinsurance programs to guarantee that all Americans, regardless of pre-existing conditions or past illnesses, have access to affordable care.

 

• Ending “junk” lawsuits. The legislation would help end “junk” lawsuits and curb defensive medicine by enacting medical liability reforms modeled after the successful state laws of California and Texas.

 

• Prevents insurers from unjustly cancelling a policy or instituting annual or lifetime spending caps. The bill prohibits an insurer from cancelling a policy unless a person commits fraud or conceals material facts about a health condition. It also prohibits insurance plans from instituting annual or lifetime spending limits.

 

• Encouraging Small Business Health Plans. The plan gives small businesses the power to pool together and offer health care at lower prices, similarly as labor unions and corporations.

 

• Encouraging innovative state programs. The legislation rewards innovation by providing incentive payments to states that reduce premiums and the number of uninsured.

 

• Allowing Americans to buy insurance across state lines. The proposal allows Americans to shop for coverage from coast to coast by allowing Americans living in one state to purchase insurance in another.

 

• Codifying the Hyde Amendment. The plan explicitly prohibits all federal funds, whether authorized funds or appropriated funds, from being used to pay for abortion.

 

• Promoting healthier lifestyles. The legislation promotes prevention & wellness by giving employers greater flexibility to financially reward employees who adopt healthier lifestyles.

 

• Enhancing Health Savings Accounts (HSAs). The bill creates new incentives to save for future and long-term care needs by allowing qualified participants to use HSAs to pay premiums.

 

• Allowing dependents to remain on their parents’ policies. The legislation encourages coverage of young adults on parents’ insurance policy through age 25.

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