Tennessee House of Representatives - District 66 - ROBERTSON COUNTY
Legislative Health Care Initiatives
Proposed & Sponsored by
Rep Sabi 'Doc' Kumar
1. Direct Primary Care
2. Volunteer Health Care
3. 3-Star Healthy Project Task Force
4. Continuity of Care
5. Balance Billing Solutions
6. Epi Allergy Shot Availability in Public Places
7. Sobriety Monitors
Sabi 'Doc' Kumar
"What does a Patient Want?
Make Me Better, Don't Hurt Me and Don't Cost Me Too Much"
Scott Raynes, former CEO
NorthCrest Medical Center
"American health care is of the highest quality in the world.
We need to make it available to Americans at a reasonable cost.
This was the promise of the Affordable Care Act (Obamacare) but
the results are quite different.
As your State Representative, I work toward changes that help people."
Rep Sabi 'Doc' Kumar MD
With over 40 years in Health Care, Dr. Kumar understands the needs of the patient, the doctor, the hospital and the insurance industry.
This is a crucial issue of our time.
Dr. Kumar's knowledge and input are of great value in the
Tennessee House of Representatives.
I also published an Opinion Editorial in the Tennessean May 29, 2016
about the ten problems of Obamacare
It is the largest federal law affecting Health Care since the passage of Medicare in 1965, almost a half century ago. The law is 2,700 pages long.This means that no one person completely understands the law including the leaders who voted for it.
The promise was that it will provide health insurance to about 30-40 million Americans
who are not covered and,
as promised by the President, allow
"those who have health insurance and are happy with their plan, they can keep it. Period."
Both promises failed.
The law mandated certain requirements that resulted in many existing policies being cancelled.
And the President who talked about "income inequality", split the people so that those living below the federal poverty level (with yearly income below $11,490 for a single person) will not be covered by this law. The poorest members of our society were left to seek coverage from their state Medicaid programs.
If they did not meet qualifications for their State Medicaid plan (which is called TennCare in Tennessee), the Law did not do what it promised.
Out of the 30-40 million people without health insurance in the country, about 9 million signed up for insurance under Obamacare. Some of these may be the people who lost their insurance. Still others may not be covered depending upon their ability to pay the premiums despite federal subsidies.
Those who do receive insurance coverage under this law, but are in the lower income groups, are faced with deductibles of $5,000 or more. The subsidy towards the deductibles is not available for the least expensive (Bronze) plans.
For common illnesses that cost less than $5,000, these folks do not really have insurance.
Poorer citizens who do not fully understand the law are being deceived.
Rep Sabi 'Doc' Kumar MD
Modified From "Fresh Medicine" by
(Former Tennessee Governor, DEMOCRAT)
For an enterpreneur wanting a lean employee-oriented company, it's a natural position to take:
"We don't provide company housing, we don't provide company cars, we don't provide company insurance".
Our approach is to put your compensation in your paycheck and let you decide how to spend it."
Let's do a thought experiment.
We'll use my own state of Tennessee and our state employees for data.
The year is 2014 and the Affordable Care Act is now in full operation.
We are a large employer with 40.000 direct employees who participate in our Health Plan.
In our thought experiment, let us consider that Tennessee stops providing Health Insurance and
State employees use the Obamacare exchange to purchase their own health insurance.
First of all, we need to make our employees financially whole.
Taking into account the taxes on that increase, the change in eligibility for subsidies, and allowing for inefficiency in how we distribute this increase, we'll pay them three times the amount of increase in their cost of buying insurance through the federal exchange: $114 million.
So the total cost toTennessee will be about $200 million.
But if we keep our existng insurance plan, our cost is $346 million.
So we can reduce our annual costs by over $146 million using the mechanics of health reform
to transfer our costs to the federal government.
This will obviously encourage employers to stop offering health benefits.