To say the legislative process has been “messy” would be an understatement. But despite all the heated rhetoric, we still seem to be moving closer to some form of health care reform day by day.
One of the main questions at this point is whether any degree of bipartisan consensus is possible, or if the Democratic majority will attempt to push a bill (or bills) through to passage on their own … either through a filibuster-proof 60-vote senate majority or the complicated “budget reconciliation” course of last resort, which theoretically would only require 50 senators for passage. Many people are uneasy about this approach.
Of course the other dominant question is whether the bill ultimately heading to President Obama’s desk will include a “public option” to compete against the offerings of private insurance companies. According to the latest reports out of Washington, the life of the public option is largely now a numbers game. This is the most volatile element of the legislative process at the moment, so we’ll keep an eye on the latest. We could know significantly more as early as Friday.
Meanwhile, the latest figures show health care advertisements on television have topped $100 million, illustrating how high the perceived stakes are for many parties and industries that would be affected by reform.
There are still many, many moving parts and how all the pieces of the puzzle fit together is not yet clear. Right now we are waiting on the Senate Finance Committee to complete its work so senate leaders get begin cobbling all the different versions of bills together into a package to take to the senate floor. The floor debate could last weeks (or longer) depending on how things go.
At this point as insurance brokers, we see our job as staying up to date on everything that could affect our current clients and having a firm grasp of what the re-formed health insurance landscape will look like (so we can properly advise new and renewing clients). One thing seems clear: No matter what health care looks like, there will be a need for expert help navigating all the choices and plans and key details—and matching people and groups with the programs that best suit their specific needs. That’s what we’re here for.