House Bill 392
146th General Assembly (2011 - 2012)
The General Assembly has ended, the current status is the final status.
AN ACT TO AMEND TITLE 31 OF THE DELAWARE CODE RELATING TO HEALTH INSURANCE.
This Delaware Health Security Act will provide all current and future Delaware citizens, our state's budget and future economy and job development a non-government run program and cost effective single payer health care system. This system eliminates unnecessary multi-payer brokers and will save approximately 40 percent of total funds now wasted by a 30 percent loss to administrative/overhead costs (costly paperwork, profits, advertising, lobbying, etc.) and a minimum of 10 percent to unchecked health care fraud. These savings are research-documented by single payer health care systems used by our military services, Veterans Administration's health care system and our Medicare system. A typical research study by a Harvard University team showed a 33 percent administrative/overhead waste of our health care funds by insurance company brokers compared to 1.5 percent administrative/overhead cost of our single payer Medicare system. These Delaware annual savings and a stabilized funding structure with accountable budgets will enable our state to provide the following health care benefits to all citizens, our state's budget and future economic/job development: (1) Comprehensive health care coverage (physicians and specialists, hospital needs, long-term care, pharmaceutical drugs, dental care, mental health, drug rehabilitation, special equipment and aids, etc.) from conception until death without any extra health insurance or out-of-pocket expense; (2) Eliminate the huge double-digit annual increases in health care costs; only the smaller rate of inflation will apply; (3) Will return all health care decision-making to physicians, dentists and other professional health care professional staff; (4) Eliminates the pauper requirement that one must give up all savings and property before receiving Medicare/Medicaid funds for long-term care; (5) Will eliminate all health care debts, major cause of personal bankruptcies and the ability to buy or keep one's home; (6) Will eliminate the destructive, debilitating effects of chronic stress on our uninsured, under insured and their families; (7) Will serve as a magnet to both attract and retain private businesses competing in the global economy. This was the key reason we lost the Chrysler and General Motors automobile manufacturing plants; (8) In addition to providing comprehensive health care coverage for all citizens, this Act will save millions each year for our state's budget; (9) Personal health care savings by our state's citizens will add hundreds of millions to our state's annual economy; and (10) Will significantly elevate our state's ranking of from 40th or lower among all states on health care challenges such as well babies, women's health care status, cancer, etc. This Act will provide funds for three years for training and economic assistance for displaced paperwork employees who choose to fill additional needed health care service jobs created by approximately a five percent increase in health care utilization caused by this reformed health care system. This Act will be administered by a 15-member Delaware Health Security Board comprised as follows: State Secretary of Health And Social Services, appointed by the Governor; Two members from both the State House of Representatives and State Senate Committees concerned with health care issues; Five members from state health professional organizations and five members from eligible consumer organizations in our state. There will be a County Advisory Council in each of our state's three counties. The appointments and membership will be from the same sources as the State Health Security Board with the requirement that all Council members must be residents of the county they serve. These County Advisory Councils will work with and through the State's Board and four Divisions in more effectively implementing the planning, operation and evaluation of the Delaware Health Security Act. Funding for the Delaware Health Security Act will be as follows: (1) All state and federal funds available for health and health care costs in Delaware; (2) Employer and employee graduated payroll tax from 4 percent for employers with less than ten employees to 9 percent for employers with 50 or more employees; (3) A Health Security tax of 2.5 percent on net taxable income (after deductions) for all heads of households and persons subject to Delaware's income tax; and (4) An additional Health Security income surtax on net taxable income of 2.5 percent for persons filing a Delaware income tax return in excess of $250,000. Married couples filing a joint Delaware income tax return shall pay an additional income surtax of 2.5 percent on net taxable income in excess of $500,000. A very important overall result from enacting and implementing this program and cost effective single payer system is that initial and continuous funding will be available to halt the deterioration of our current health care situation. Ample funds will be available for additional health care facilities, staffing, program improvement and both pre-service and continuing education investments in both professional and non-professional health care staff.
Takes effect upon being signed into law