On the recordDecember 11, 2025
what we are debating here are two visions of the future of the ObamaCare exchange. Democrats want to cover the cost of health insurance to benefit health insurance companies. And Republicans want to cover the cost of health insurance to benefit patients. Now, I can actually kind of develop that idea. If you look at what insurance--what Democrats want to do, they want to give 100 percent of the money to the insurance companies. And the insurance company, by law, under ObamaCare, can take 20 percent of it for overhead and profit. Eighty percent of it goes to patient care, but, of course, you have got to get your prior authorization and permission for this 80 percent to be spent upon you. On the other hand, the Republican plan is to put the money into the patient's pocketbook so that she has money to pay for the insurance out of pocket. And here, 100 percent of the money she receives goes toward some sort of healthcare or dental care or vision care. By the way, that is a distinction. Under the Democratic plan, the insurance company doesn't cover your dental work, they don't cover the orthodontia for your child, and they don't cover the eyeglasses you need. Under what we are doing, putting it into her pocketbook, for physicians, dentists, drugs, vision care--this is a patient-driven account, of which 100 percent is going to the care she knows she needs. And she does not need to seek permission in order to obtain it.
Source
govinfo.gov




