►
Description
House Insurance Subcommittee - February 22, 2022 - House Hearing Room 2
A
A
You
very
much
committee
members:
do
we
have
any
personal
orders
before
we
begin
business
all
right,
seeing
none?
We
do
have
some
action
to,
or
at
least
some
some
comments
to
make
on
the
legislation
before
us.
Just
to
give
you
an
idea
of
what
we
will
be
addressing
today
and
will
not
be
addressing
today
item
one
on
your
calendar
and
these
are
requests
of
the
sponsors
item.
One
on
your
calendar
house,
bill
2262.
A
A
We
have
item
number
three
on
your
calendar
house
bill
2225
by
chairman
powers.
The
request
has
been
to
roll
for
one
week
without
objection.
Item
number:
four:
on
the
calendar
house
bill
2862
by
chairman
dixie.
The
request
has
been
to
roll
this
item
for
two
weeks.
Without
objection,
we'll
roll
it
and
item
number
seven
on
our
calendar
house
bill
2051
by
representative
lamar.
A
The
request
has
come
this
afternoon
to
roll
this
bill
two
weeks
as
well.
Without
objection,
we
will
roll
this
bill
for
two
weeks,
all
right,
so
that
cuts
our
work
down
considerably.
Today
we
will
go
to
our
calendar
and
leader
beck.
You
are
recognized.
We
are
on
item
number
five
on
our
calendar.
We
have
house
bill
685
leaderbeck,
you're
recognized.
Thank
you,
mr
chairman.
We
have
a
motion
and
a
second
to
continue.
Please.
C
A
I
do
have
a
question
and
I
guess
I'm
thinking
back
to
my
old
business.
I
hesitate
to
say
law,
but
it
was
business
law,
my
business
major
conversation
and
at
what
point
in
time
does
the
driver
become
an
agent
for
xyz
or
or
is
that
is
that
related
to
your
legislation?
Anyway,
there
representative
beck.
B
Thank
you
chairman,
and
if
you
would
just
walk
me
through
this,
it's
a
no.
This
is
a
notification
bill,
correct,
okay
notification
bill
and
then,
secondly,
it
just
is:
is
it
the
let's
say
that
I
work
for
doordash
and
you
are
the
doordash
coordinator
for
a
regional
area?
Is
it
doordash
that
must
inform
the
the
drivers
or
is
it
let's
say
that
you
have
an
exclusive
contract
with
robert's
bar
on
bar
and
grill
on
broadway
to
run
hamburgers
and
wherever
or
is
it
right?
Is
it
the
is
it
the
institution?
B
C
A
C
A
D
A
E
E
First
of
all,
I'd
like
to
thank
our
governor
governor
lee
for
the
block
grant
program
that
we
have
in
place
at
this
time.
I
use
that
term
it
it's
a
step
in
what
I
consider
the
right
direction,
meaning
that
people
who
have
not
been
covered
or
some
are
being
where
they
are
being
covered.
Now,
with
the
help
of
navigators
or
community
activists
who
have
assisted
people
in
being
registered.
E
There
was
a
split
between
the
government,
federal
government
and
state
government
that
would
ensure
additional
people
where
things
like
dental
will
be
covered
going
forward.
So
we're
saying
that,
in
my
view,
there
are
positive
things
that
are
taking
place
under
the
program
that
governor
governor
lee
has
in
place,
but
what
it
does
not
do
or
address
at
this
time
is
that
we
still
have
000
persons
who
are
not
covered
under
this
program
and
what
our
effort
is
is
to
put
into
place
an
expansion
program,
a
federal,
the
federal
expansion
program
that
would
cover
those
persons.
E
I
know
what
we
may
say
is
that
the
program
that
is
already
in
place
gradually
it's
going
to
get
better,
but
people
are
sick,
some
may
die
and
what
we're
trying
to
do
is
to
assist
those
persons
in
a
better
life
now
and
I'm
talking
both
rural
and
urban
communities,
where
there's
a
need
for
us
to
have
coverage.
Now.
At
this
point,
we
are
one
of
12
states
that
do
not
have
have
not
expanded
the
program
so
that
people
all
persons
who
are
eligible
would
be
covered.
E
You
know
you
have
some
people,
I
think
it's
118
000,
who
are
in
what
they
call
the
donut.
You
know
the
wages
that
they
make
or
the
level
they
are
in
poverty
puts
them
in
a
position
where
they
just
can't
benefit
from
this,
and
so
what
we're
trying
to
do
is
to
put
forward
a
program
that
was
previously
put
forth
by
a
former
governor
that
would
address
dealing
with
the
340
000
people
who
are
in
need
now
it
do
it.
E
In
my
view,
it
helps
and
when
we
deal
with
the
economics
of
our
state,
if,
if
mothers
have
been
staying
home
with
their
sick
child,
you
know
long-term
illnesses.
This
puts
her
in
a
position
of
getting
back
to
work,
husbands
who
have
been
ill
for
a
period
of
time
who
are
not
covered.
Some
people
just
don't
know
how
to
access
the
services
that
are
available
to
them,
and
so
the
point
is
we're
trying
to
put
people
back
to
work,
we're
trying
to
get
our
children
in
school
and
have
a
healthy
state.
E
We
may
look
at
some
of
the
statistics.
The
state
of
tennessee
ranks
number
five
in.
What's
called
the
worst
health
position
when
it
comes
to
obesity
and
what
was
the
other,
I
apologize.
I
can't
pull
the
other
out
right
now,
but
we're
ranked
number
five,
and
so
what
we're
saying
is:
let's
look
at
what
can
help
people
our
citizens
in
both
the
rural
communities
and
the
urban
communities?
That's
my
opening
remarks,
mr
chairman,
and
if
you
deem
it
appropriate,
we're
going
to
bring
forth
our
witnesses
at
this
time.
Thank.
B
You,
mr
chairman,
and
thank
you
colleague
from
hamilton
county.
I
just
I'm
I'm
maybe
a
little
dusty
here.
Can
you
or
maybe
this
is
a
better
question
for
tenncare,
but
can
you
define
what
a
tenncare
demonstration
amendment
number
25
is
specifically?
What
is
the
population
of
people
who
would
be
eligible
for
that
enrollment
in
tenncare.
E
E
B
Thank
you,
chairman
and,
and
I'll
follow
back
up
with
10
care
or
whomever
is
going
to
speak,
but
the
the
question.
The
reason
I'm
concerned
is,
you
know
our
10
care
roles
continue
to
grow
and,
and
you
know,
tenncare
started
out
to
be
the
the
means-tested
insurance
for
the
unemployed
or
the
the
chronically
poor.
Now
it's
expanded
even
more,
and
I
look
at
our
tnjobs.gov
website
right
now
and
we
have
457
and
595
current
job
openings,
and
so
my
concern
is,
you
know.
B
E
E
So
if
that
child
is
well,
if
that
adult
is
well
they're
willing
to
work,
so
I
I
don't
see
it
as
a
negative
when
it
comes
to
what
it
can
do
for
those
persons
who
want
to
get
back
to
work.
I
know
the
figures
that
my
colleagues
spoke
of,
but
I
think
this
incentivizes
people
to
get
back
to
work,
which
is,
in
my
view,
what
they
want
to
do.
A
A
Seeing
done
president
hakeem,
if
you
would
you've,
got
a
couple
of
folks
that
are
on
the
list,
who
would
like
to
speak
to
reverend
aaron,
marble
and
kenika
young?
Yes,
we'll
take
them,
whichever
order
they
would
like
to
come
up.
Certainly
may
okay,
we
will
be
limited
to
three
minutes
in
your
testimony
and
if
there
are
any
questions
and
comments
afterwards,
we'll
have
an
enjoyer
and
and
be
able
to
discuss
at
that
point
in
time.
A
F
F
Some
of
you
may
be
christian.
Some
of
you
may
not.
Some
of
you
may
have
lives
of
faith,
but
I'm
sure
whatever
your
background
is
faith
plays
a
part
in
a
role
in
your
decision
making
and
what
you
bring
to
your
work
to
represent
your
constituents
and
as
we
look
at
this
bill
and
why
I
believe
it
is
so
important
for
us
to
further
it
into
session
and
discuss.
It
is
because,
when
I
look
at
jesus
christ,
I
look
at
a
figure
and
a
leader
who
is
transformative
and
his
transformative
leadership
impacts.
F
There
are
some
340
000
people
that
remain
uncovered
by
the
efforts
that
our
governor
has
graciously
helped
to
implement.
There's
still
a
group
there.
That
needs
our
help
and
that
needs
our
assistance.
And
I
think
that,
as
we
look
at
what
our
faith
would
inform
us
to
do,
jesus
looked
at
a
woman
who
was
wrestling
with
an
issue
of
blood
for
12
years.
The
bible
tells
us
that
she
spent
all
she
had.
Affordability
also
was
another
story
in
the
scriptures
of
a
man
who
stood
outside
the
pool
of
bethesda.
A
And
thank
you
reverend
marvel
and
I
will
address
just
a
few
of
your
comments.
I
think
I
can
speak
for
all
the
members
on
the
committee
that
we
are
all
people
of
faith
and
we
are,
and
we
have
very
strong
convictions
on
on
that
faith,
and
we
do
allow
that
to
lead
and
guide
us.
I
will
say
that
we
have
more
folks
on
the
team
care
roles
than
ever
before
in
the
history
of
tennessee.
We
have
expanded
it
over
the
last
two
decades
after
a
disenrollment
I'll.
A
Take
that
back
it's
more
like
15
years,
but
after
a
disenrollment
that
occurred
roughly
15
years
ago,
where
a
couple
hundred
thousand
folks
unfortunately
came
off
the
rolls
and
we
propped
up
and
created
a
safety
net
through
our
health
departments
through
many
different
mechanisms
within
state
government
to
help
folks
through
that
safety
net.
We
have
since
put
many
of
those
folks
back
on
the
rolls
of
tenncare
and
have
more
folks
on
tenncare
than
ever
before,
and
we
certainly
are
glad
of
that.
A
The
block
grant
that
we
have
passed
in
the
state
of
tennessee,
most
recently
january
of
21,
is
even
going
to
allow
us
to
bring
more
folks
on
in
a
gradual,
financially
responsible
way
and
I'm
very
comfortable
and
confident
that
we're
going
to
continue.
Your
words
are
very
well
received,
and
I
certainly
appreciate
where
you're
coming
from.
But
I
want
you
to
to
know
that
each
member
up
here
is
a
man
and
woman
of
faith.
A
G
The
people
who
would
directly
benefit
from
this
bill
includes
veterans
parents
who
live
outside
of
the
household
with
their
children,
women
who
are
at
reproductive
age,
people
in
rural
areas
and
people
with
disabilities.
This
bill
would
revive
the
insured
tennessee
plan
that
governor
haslam
proposed
in
2015..
G
It
provides
tenncare
to
people
who
are
below
138
of
the
federal
poverty
level
and
do
not
currently
qualify
for
tenncare
about
half
of
employers
do
not
offer
health
insurance
to
their
employees.
This
leaves
many
working
adults,
including
front-line
workers,
without
affordable
access
to
health
care.
Tennessee
is
one
of
only
12
states
that
have
not
expanded
medicaid
38
states
plus
d.c
have
expanded,
and
we
can
compare
the
outcomes
in
expansion
versus
non-expansion
states.
This
natural
experiment
has
provided
more
evidence
that
supports
expansion.
G
First,
hospitals
and
expansion
states
are
six
times
less
likely
to
close
than
in
non-expansion
states.
Tennessee
has
seen
14
rural
hospital
closures
since
2010
the
highest
rate
per
capita
in
our
country.
Second,
over
600
studies
from
2014
to
2020
have
shown
the
positive
effects
of
expansion
on
measures
such
as
access
and
utilization
of
care,
positive
health
outcomes
and
the
state
economy.
G
If
the
state
expands
tenncare,
it
would
receive
1.4
billion
dollars
per
year
of
federal
tax
revenue
to
cover
90
percent
of
the
costs
in
2015,
the
hospital
association
agreed
to
cover
the
10
percent
of
costs
that
the
state
is
responsible.
For
today,
the
federal
government
has
sweetened
the
pot
by
providing
an
additional
1.26
billion
dollars
for
two
years.
If
the
state
expands
after
subtracting
the
cost
of
expansion,
the
state
would
net
900
million
dollars
to
spend
or
save
as
it
sees
fit,
and
these
numbers
do
not
include
the
increased
revenue
and
savings.
G
The
state
would
see
as
a
result
of
having
a
healthier,
more
productive
workforce,
reducing
long-term
costs
associated
with
uncontrolled
chronic
conditions
and
lowering
uncompensated
care
costs.
This
bill
would
help
address
the
maternal
mortality
crisis,
which
disproportionately
impacts
black
people.
It
would
expand
access
to
mental
health
care
and
substance
use
disorder,
treatment
which
have
been
exacerbated
during
the
pandemic,
and
it
would
protect
more
people
from
medical
debt,
which
is
noteworthy
because
tennessee
has
the
fifth
highest
bankruptcy
rate
in
the
country,
and
medical
bills
are
the
leading
cause
of
personal
bankruptcy.
G
These
are
just
some
of
the
upsides
to
expanding
coverage
and,
after
almost
a
decade
of
being
in
effect
in
other
states,
no
downsides
have
emerged,
so
it
would
be
in
the
best
interest
of
all
tennesseans
to
advance
house
bill
2104,
and
I
thank
you
for
your
attention
and
I'm
happy
to
take
any
questions.
Thank.
H
Yeah
I
pray
I
appreciate
y'all
coming
today
and
reverend.
You
know,
as
our
chairman
said,
I
think
we
all
are
people
of
faith
up
here,
but
this
has
nothing
to
do
with
faith.
This
is
just
bad
physical
policy.
Currently,
instead
of
tennessee,
you
know
when
you
give
up.
I
think
it's
about
eight
billion
dollars
at
this
point
in
time.
H
It's
it's
malpractice
by
the
legislature
not
to
take
this
federal
money
that
is
tennessee
taxpayer
dollars.
You
know,
let's,
let's
get
it
right.
You
know
we're
subsidizing,
37,
other
states
in
this
country,
for
the
health
care
of
their
citizens,
while
we're
allowing
our
citizens
to
go
uncovered
until
they
get
so
deathly
sick
that
they
end
up
in
on
the
emergency
room
steps,
and
then
it
costs
us
a
whole
lot
more
than
if
they
would
have
had
care
in
the
first
place.
H
So
you
know
I
I
don't
understand
I've
told
my
colleagues
we
can.
You
know
you
said,
don't
make
it
political,
I
want
to
make
it
political.
I
want
to
call
it
conservacare
or
public
care
whatever
they
want
to
call
it
take
credit
for
it.
You
know
obama's
been
out
of
office
six
years
now,
so
you
can
call
it
whatever
you
want
now,
but
use
our
brains
and
let's
get
the
couple
of
billion
dollars
a
year
coming
into
this
state
and
let's
cover
300
000
tennesseans.
H
Please
do
the
right
thing,
like
I
said,
take
his
bill
away
from
him.
You
know
we're
all
about
bill
jacking
in
the
tennessee
generals
and
somebody
take
you.
Somebody
take
his
bill
away
from
him
and
y'all
take
credit
for
it
and
pass
this
and
let's
give
300
000
tennesseans
health
care
and
let's
get
the
tennessee
taxpayer
their
couple
of
billion
dollars
that
they're
owed
from
the
federal
government.
A
Thank
you.
I
was
going
to
ask
you
to
tell
us
what
you
really
think
representative
mitchell,
but
I
think
you
did
and
and
that's
it's
great,
that
we
have
an
opportunity
to
disagree
with
with
each
other,
but
still
like
each
other.
So
thank
you
so
much
any
questions
or
comments
from
any
other
members.
Representative
smith,
you're
recognized
first.
B
Of
all,
thank
you
all.
As
a
former
nurse
and
someone
that's
very
concerned
about
health
care
policy,
I
know
that
your
hearts
are
truly
sincere
and
I
think
that
we
all
agree-
and
I
even
agree
with
my
colleague
representative
mitchell,
sometimes
that
health
care
access
is
a
problem
but
where
we
find
ourselves
as
a
state.
Governments
have
no
money
and
that's
a
hard
thing
to
understand.
B
But
but
this
government
has
no
money
it
we
we
use
other
people's
money
to
prioritize
spending
and
one
of
the
fastest
growing
expenditures
in
this
state
has
been
healthcare
and
the
fact
that
we
are
enrolling
more
and
more
people.
So
essentially,
our
state
government
is
turning
into
an
insurance
company
that
educates
some
kids
and
and
that's
a
concern
and
I'm
not
opposed
to
leveraging
buying
power.
But
but
just
do
do
appreciate.
B
I
hear
your
sincerity
and
I
appreciate
my
colleague
very
much
because
you,
you
know
my
heart
working
with
you,
but
the
reason
I
can't
support
something
like
this
is
not
because
it's
not
well
intended
and
not
that
it
won't
be.
You
know
helpful
to
someone.
It's
just
that
you
know.
Davy
crockett
got
chastised
long
ago
for
spending
someone's
money
that
wasn't
his
to
spend
and
in
the
case
of
this
I
think
it
would.
B
So
so
just
know
your
your
requests
are
not
falling
on
10
years.
It's
just
that
as
as
a
steward
of
this
particular
state's
funding,
we
have
to
be
more
than
an
insurance
company
that
that
educates
children
so
accept
my
you
know
sincerest
thanks
for
being
here,
because
I
know
your
hearts
are
sincere
but
and
I
think
we're
all
on
the
same
team
in
a
way
it's
just.
We
we
disagree
with
how
to
to
meet
that
the
the
result,
but,
thank
you
so
much.
Thank
you,
chairman.
A
G
Thank
you,
chairman
hawk,
and
thank
you,
representative
smith,
for
your
for
your
comments.
I
appreciate
the
concern
about
being
fiscally
responsible,
but
I
just
wanted
to
clarify
a
couple
of
things.
One
is
that
the
billions
of
federal
tax
dollars
that
we
are
not
drawing
down
on
don't
go
back
to
the
taxpayers.
A
We
are
in
better
financial
shape
and
we've
taken
many
measures
to
to
improve
our
financial
status
in
the
state
of
tennessee.
But
we
can't
expect
the
funding
we're
seeing
now
in
tennessee
to
continue
forever
and
we
have
to
be
good
stewards
of
the
taxpayer
dollars,
as,
as
president
smith
had
mentioned
before,
representative
thompson,
you're
recognized.
D
Thank
you,
mr
chairman.
You
know,
I
guess
in
one
way
you
know
no,
we
don't
have
money
here.
We
all
the
money
that
we
spend
here,
other
people's
money,
that
we've
collected
through
the
tax
system,
and
we
we
do
this
with
the
consent
of
the
people.
Since
you
know
they,
they
elect
us
and
they
usually
send
us
back.
You
know
in
most
cases,
so
you
know
the
this
is
other
people's
money,
but
they
they
want
us
to
take
that
money
and
spend
it
on
on
things
they've.
D
They
look
at
it
as
worthy
investments
in
society,
we're
we're
taking.
I
don't
know
the
exact
number,
but
a
lot
of
money
to
build
roads
and
bridges
and
infrastructure
in
this.
The
state
and
people
like
that,
we
we
spend
billions
of
dollars
on
public
education,
the
public
education
system
and
people
like
that
too.
D
Now
we
argue
about
exactly
how
we
will
spend
all
this
money,
how
we
allocate
it
where
we,
where
we
might
you
know
with
whether
we
spend
it
on
one
place
or
the
other,
but
we
we,
you
know
we're
obligated
to
spend
that
money
and
others
people's
money.
So
to
speak-
and
you
know
everything
you
mentioned
here-
both
of
you
are
are
worthy
investments
in
in
tennessee
and
society
that
we
have
here,
and
so
I
think
that
I
mean
it's
been
proven
too.
D
A
G
A
I
got
the
nod
of
approval
that
I
actually
got
us
back
into
session
properly,
where
I
had
some
issues
last
week,
joseph
hakeem.
Thank
you
so
much
and
as
you
continue,
I
want
to
thank
your
assistant,
michaela,
martin,
very
much
for
the
information
that
she
has
shared
with
us,
which
we
have
in
turn
shared
with
the
committee.
Yes,
sir
michaela's
done
a
very
good
job,
and
I
want
to
thank
thank
you
to
thank
her.
So
all
right.
E
E
All
right,
thank
you,
sir.
I'm
gonna
try
to
hold
to
my
word
of
being
brief
at
my
conclusion,
but
I
truly
from
my
heart
want
to
thank
you
and
the
committee
for
hearing
us
out
and
expressing
that
concern
that
we
feel
is
meaningful
to
the
whole
state.
You
know
whether
it's
rural
or
urban,
and
I
guess
in
my
closing
I
want
to
bring
out.
E
E
We
receive
billions
of
dollars,
the
infrastructure
bill
we're
going
to
receive
those
kinds
of
funds
also,
but
when
we
talk
about
the
health
right
now
of
our
citizens,
you
know
we
we
want
to
take
more
of
an
incremental
perspective
and
just
asking
if
we
would
look
at
considering
taking
those
funds
from
the
federal
government
and
doing
what
we
can
for
our
citizens
right
now,
as
opposed
to
looking
down
the
road
and
mr
chairman,
once
again.
Thank
you
all
so
very
much.
I
greatly
appreciate
it.
A
H
Representative
king,
I
I'm
going
to
support
your
legislation
because
I'm
tired
of
subsidizing
the
health
care
of
californians
new
yorkers
in
the
district
of
columbia,
so
I'm
going
to
try
to
support
your
bill
and
use
tennessee
and
tennessee's
tax
dollars
and
tennesseans
tax
dollars
and
pay
for
health
care
for
tennesseans
instead
of
people
in
california
new
york.
Thank
you.
Thank
you.