New option to put brakes on insurance firms

Reforming health care is more than angry town halls and political rhetoric thrown around cable news shows and in the halls of Congress. It is a serious matter that requires serious solutions.

Members of Congress have an obligation to make access to health care affordable and accessible and take control of the ballooning costs. These skyrocketing costs are consuming budgets, overwhelming families and crippling our nation’s resources.

For decades, this country has endured a broken system that restricts and denies coverage when individuals need it most. Everyday, my office hears heartbreaking stories of individuals and families losing their insurance due to pre-existing conditions, bankruptcies and the exorbitant cost of care. Even for those with “good quality” health care coverage, the premiums alone force many to choose between medication or food on the table.

Some members of Congress are not making it easy to pass true reform. Sen. Max Baucus, D-Mont., recently released his version of health care reform that fails to meet the most basic principles of health care reform. It is nothing more than a giveaway to the insurance companies. It is telling that even with the concessions, no member of the Senate, including the “Gang of Six” stood with him in support.

The Baucus bill has no teeth in enforcements and regulations, endless patent-hoarding for the pharmaceutical industry and laws that rein in citizens to pay these industries the largest transfer of wealth in history.

Republicans are not going to support any health care bill Democrats put forth. It is time for Democrats to start talking honestly among themselves about what is best for the American people, not offering watered-down bills to appease Republicans and insurance company executives.

President Obama's recognition of a public option as an integral part of the health care reform legislation is a good first step; now, he must live up to the promises he made about real change and prove that he truly stands for the uninsured and working families.

We in the majority must have the courage to do what is in our power to do, and pass a bill that guarantees access to affordable, quality health care.

The public option will serve as this guarantee. It will be one entity, operated by the government, which will set policies and bear the risks for paying medical clams to keep costs low and quality high. The public option will be modeled after successful public programs, such as Medicare, and provide the transparency and consumer protections that are lacking in the private insurance industry today.

My progressive colleagues and I envision an option that is available to all individuals and employers, without limitations. We do not need a “trigger” to let us know if healthcare is unaffordable. The 47 million uninsured Americans are proof of our health care system’s failure.

The public option is absolutely critical to control costs and act as a check on private insurance companies because no anti-trust regulations are applicable to private insurers. Real competition is stymied by large national insurance companies buying up smaller firms and creating a monopoly. In some states, a single company may control more than 83 percent of the insurance market. Lower premiums are out of reach for millions of Americans because of the lack of competition.

The public option will end the insurance companies’ monopoly. The era of insurance companies dictating who receives care and what care they receive will be over.

I will continue to ensure that legislation contains a strong public option that prioritizes people, not corporations.

Anything less is unacceptable.

(Editor’s Note: Rep. Grijalva is Co-Chair of the Congressional Progressive Caucus)