Vote Smart - Facts For All

OFFICIALS LEGISLATION INTEREST GROUPS PUBLIC STATEMENTS COMMITTEES VETOES

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Floor Speech

By: Bill Cassidy

Date: Dec. 9, 2025

Location: Washington, DC

BREAK IN TRANSCRIPT

Mr. CASSIDY. Mr. President, this is a really interesting debate.

Right now, Democrats are advocating to send $26 billion to insurance companies so that you subsidize plans--silver-level plans--which have a $6,000 deductible.

I have asked people who have asked me about this: Do you have $6,000 in your bank account to spend on healthcare before the insurance actually kicks in?

Not one has yet raised his hand.

I think some of those advocating for this among Democrats just don't realize the financial situation American families are in when we ask them to pay $6,000 before the insurance kicks in--$6,000 beyond the premium that they are paying for their health insurance. So people-- patients--are going to see their doctors, and they can't afford the deductible.

When I was practicing, I would say to my patients: What about this procedure? this test? this medicine?

Doctor, I am in my deductible. I cannot afford that.

So, to have a $6,000 deductible is, for many, the same as having no insurance at all.

By the way, it goes without saying, under your traditional medical insurance plan, you don't get eyeglasses, and you don't get your teeth cleaned. Why not, instead of sending 100 percent of the money to the insurance company, of which they take 20 percent for profit and overhead, we send 100 percent to the patient. Then she can spend it on the services that she knows she needs. This is kind of, if you will, the Republican plan, and I will tilt it this way so those in the audience can see because they represent the American people.

Under the Democratic plan, they want to send 100 percent of the money to the insurance company that takes 20 percent for profit and overhead, and only 80 percent goes for patient care, but to get that 80 percent, you have got to ask permission.

We, the Republicans, want to give the money to the patient so that she can pay for her physician, her dentist, her drugs, her eyeglasses. She gets the money, and she can get the healthcare that she knows she needs as opposed to the healthcare that she gets permission from her insurance company to get. To put it simply, we want power to the patient, not profit to the insurance company.

Now, the other side is going to claim: ``Oh, no. Wait. No, no, no, no''; that, in some way, the plan we are proposing does not work out financially for the American people. You are not lowering their premiums. You are not helping them with their first-dollar cost.

So here is a prospective plan for my State for a couple 55 years old, with a 20- and 21-year-old on their insurance policy, at 500 percent of the Federal poverty level. The bronze plan is $2,250 per month. The silver plan is significantly more expensive. It is $6,000 more expensive a year. It is almost $3,000. Under our plan, everybody up to age 49 gets $1,000 into their health savings account. If it is a family account, it goes into the family account, and those over 49 get $1,500. So this family of four, with those ages, gets $5,000 into their health savings account. It is $5,000 so that, when I go to the doctor and I have got an earache and I need medicine, the health savings account pays for the doctor's visit, and the health savings account pays for the medicine.

Contrast that with what Democrats want. They want a plan which is $6,000 more a month. The net deductible is higher, and you don't have $5,000 to begin paying for your medical bill. You have got no money whatsoever, and on that first trip to the doctor, you are paying out of your purse; you are paying out of your pocketbook.

This is the plan that works for the American people? ``Not.''

When I was a physician--but no. As somebody who had three children, this is not the plan that would have worked for my family.

Republicans are trying to meet the American people where we know they are, not some theoretical ``oh, that is where they should be.'' Most Americans don't have $6,000 to pay for healthcare before they get it billed by the insurance.

So let's do just kind of a side-by-side comparison. Here is the difference between the two accounts.

Who gets the money?

Under their plan, the insurance companies. Under our plan, the patients and families.

What can the money be used for?

Well, here it is subsidized premiums, which means that the insurance company gets it and takes 20 percent for the deductible and copay.

Under our plan, you can use it for your doctor visit, your x rays, to see your dentist, your glasses, or your prescriptions. This is real medical care, not something the insurance company permits you to have.

Who makes the decision?

Under their plan, the insurance company. Under our plan, power to the patient.

We want that patient--we want that mama; we want that wife because they are the ones who always make the decisions on healthcare--to be the one who has the power.

Contributes to lower cost?

Under their plan, no, because it goes to the insurance company that continues to pay those higher rates.

To the patient, if you give her this money, you have got $5,000 to spend it wisely. She is going to say: Wait a second. The x ray is $150 here and $500 there. I am going to where it is cheaper, not more expensive.

I can tell you, when that begins to happen, the people who are more expensive will begin to lower their prices. This is a plan that by sending it to the patient for real care, to the patients with the power, you empower the patient to shop, driving competition and lowering healthcare costs.

We just heard from Senator Crapo. Under the plan that my Democratic colleagues support, we have seen widespread fraud and unauthorized enrollment.

Under our plan, if you have got a health savings account, it is pretty easy. I just signed up for a similar type of account on my healthcare. You have got to show who you are. It is not really hard. It took me about 5 minutes, but the banks that manage this money are going to require that you identify that you are a real person. This is an anti-fraud program. What is not to like? The money goes to the patient, not to the insurance company. It is used for real care. It gives the patient the power to shop and find a better price, which lowers healthcare costs, and along the way, we have mechanisms which cut out the fraud. This should be the basis of a bipartisan deal.

So I have called some of my Democratic colleagues. Let me start over. I have been asked by the press: Why wouldn't Democrats want this? I mean, why would they not want 100 percent of the money going to the patient instead of 100 percent of it going to the insurance company, and the insurance company takes 20 percent for profit and for overhead? Why wouldn't Democrats want to give power to the patient so that she can shop for a better deal, instilling competition, which ultimately lowers costs? Why would Democrats not want a system which begins to squeeze out the fraud that Senator Crapo pointed out is so rampant in this program?

I just shrugged my shoulders. I am not sure. As I say in my Spanish language class, ``digame.'' I am not quite sure I follow.

Then I heard Minority Leader Schumer explain that this is all about Hyde. They are afraid that our plan will not allow abortions, so they are going to continue to send the money to the insurance companies, subsidizing premiums, profit for the insurance companies, contributing to healthcare inflation and with unchecked fraud--all because of what is called the Hyde amendment.

By the way, what is the Hyde amendment?

For those watching, the Federal Government, consistent with the will of the American people, has made a decision not to spend Federal dollars to pay for abortion. That is what the Hyde amendment is. For most Republicans, that is an important part of our position, and Democrats have decided that they are willing to forgo all of these advantages in order to protect insurance companies paying for abortion.

Let me tell you the ultimate irony in that. When ObamaCare passed, President Obama made a deal in which these plans were not supposed to pay for abortion. Section 1303 of the ObamaCare law, if I remember correctly, said that these dollars are not supposed to pay for abortion.

Democrats are defending dollars paying for abortion. Either they are going to acknowledge that insurance companies are ignoring the law, in which case--wait--we are going to enable insurance companies to break the law or they are attempting to introduce a source of funding for abortion that President Obama himself did not include.

Now, if your rationale is to send 100 percent to the insurance companies instead of 100 percent to the patient to subsidize premiums instead of paying for real doctor care--they let the insurance companies make the decision instead of the patient--and to not contribute to lowering costs versus empowering patients to shop for a better deal and, with competition, lowering healthcare costs--and, by the way, did I point out they can get a lower premium with $5,000 in a health savings account for that family that otherwise could not afford care because you are trying to introduce a new right to abortion in a Federal insurance policy? Be honest with the American people. Either the original ObamaCare law is being ignored or you are trying to establish a new right.

I have said before that we need to find a way that the American people can afford their insurance. Absolutely, we need to find that way. I have said repeatedly I don't want a Republican plan; I don't want a Democratic plan. I want an American plan, a plan that works for our fellow Americans so that they can afford the insurance that this Republican absolutely wants them to have, but we have got to do it in a way in which they have real insurance, not a policy with a $6,000 deductible, with lots of fraud associated with it, and which does nothing to achieve the goals that we know we need.

I don't see why Republicans merely pointing out that under the ObamaCare law this was not to pay for abortion in the first place should be the reason that we cannot protect Americans from these $6,000 deductibles.

BREAK IN TRANSCRIPT

Source

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SIMPLE_JWT	`{'ACCESS_TOKEN_LIFETIME': '******************', 'REFRESH_TOKEN_LIFETIME': '******************'}`
SITE_ID	`1`
SOCIAL_AUTH_BACKEND_ERROR_URL	`'/login'`
SOCIAL_AUTH_RAISE_EXCEPTIONS	`False`
STAFF_PHOTO_PATH	`'images/staff'`
STATICFILES_DIRS	`['/var/www/justfacts/assets']`
STATICFILES_FINDERS	`['django.contrib.staticfiles.finders.FileSystemFinder', 'django.contrib.staticfiles.finders.AppDirectoriesFinder']`
STATICFILES_STORAGE	`'django.contrib.staticfiles.storage.StaticFilesStorage'`
STATIC_ROOT	`'/var/www/justfacts/static/'`
STATIC_URL	`'/static/'`
TEMPLATES	`[{'APP_DIRS': True, 'BACKEND': 'django.template.backends.django.DjangoTemplates', 'DIRS': ['/var/www/justfacts/templates', '/var/www/justfacts/sidebyside/sidebyside_react_app/'], 'OPTIONS': {'context_processors': ['django.template.context_processors.debug', 'django.template.context_processors.request', 'django.contrib.auth.context_processors.auth', 'django.contrib.messages.context_processors.messages']}}]`
TESTING	`False`
TEST_NON_SERIALIZED_APPS	`[]`
TEST_RUNNER	`'django.test.runner.DiscoverRunner'`
THOUSAND_SEPARATOR	`','`
TIME_FORMAT	`'P'`
TIME_INPUT_FORMATS	`['%H:%M:%S', '%H:%M:%S.%f', '%H:%M']`
TIME_ZONE	`'UTC'`
TWITTER_CONSUMER_KEY	`'********************'`
TWITTER_CONSUMER_SECRET	`'********************'`
USE_I18N	`True`
USE_L10N	`True`
USE_THOUSAND_SEPARATOR	`False`
USE_TZ	`False`
USE_X_FORWARDED_HOST	`False`
USE_X_FORWARDED_PORT	`False`
WSGI_APPLICATION	`'justfacts_project.wsgi.application'`
X_FRAME_OPTIONS	`'DENY'`
YEAR_MONTH_FORMAT	`'F Y'`

Signal	Receivers
class_prepared
connection_created	register_type_handlers
got_request_exception
m2m_changed
post_delete
post_init	ImageField.update_dimension_fields, ImageField.update_dimension_fields, ImageField.update_dimension_fields
post_migrate	create_permissions, create_contenttypes, create_default_site
post_save	create_user_profile, TagField._save
pre_delete	clear_site_cache
pre_init
pre_migrate	inject_rename_contenttypes_operations
pre_save	clear_site_cache, set_zip4_userprofile
request_finished	close_old_connections, close_caches, reset_urlconf
request_started	reset_queries, close_old_connections
setting_changed	reset_cache, clear_cache_handlers, update_installed_apps, update_connections_time_zone, clear_routers_cache, reset_template_engines, clear_serializers_cache, language_changed, localize_settings_changed, file_storage_changed, complex_setting_changed, root_urlconf_changed, static_storage_changed, static_finders_changed, auth_password_validators_changed, user_model_swapped, update_toolbar_config, reset_hashers, reload_api_settings, reload_api_settings, uninstall_if_needed, clear_caches, FileSystemStorage._clear_cached_properties, FileSystemStorage._clear_cached_properties, FileSystemStorage._clear_cached_properties, FileSystemStorage._clear_cached_properties, StaticFilesStorage._clear_cached_properties

Path	Location
.DS_Store	/var/www/justfacts/assets/.DS_Store
.well-known/apple-developer-merchantid-domain-association	/var/www/justfacts/assets/.well-known/apple-developer-merchantid-domain-association
pdfs/Mobile_Messaging_Terms_and_conditions.pdf	/var/www/justfacts/assets/pdfs/Mobile_Messaging_Terms_and_conditions.pdf
pdfs/CNIP-signed-bylaws-2023.pdf	/var/www/justfacts/assets/pdfs/CNIP-signed-bylaws-2023.pdf
pdfs/PolicyforFundraisingandGiftAcceptance_1.3_Edition.pdf	/var/www/justfacts/assets/pdfs/PolicyforFundraisingandGiftAcceptance_1.3_Edition.pdf
pdfs/CNIP2018.pdf	/var/www/justfacts/assets/pdfs/CNIP2018.pdf
pdfs/CNIP2019.pdf	/var/www/justfacts/assets/pdfs/CNIP2019.pdf
pdfs/2021/162017-Vote Smart-Brochure-Proof.pdf	/var/www/justfacts/assets/pdfs/2021/162017-Vote Smart-Brochure-Proof.pdf
pdfs/2021/990-2021.pdf	/var/www/justfacts/assets/pdfs/2021/990-2021.pdf
pdfs/2020/CNIP2020.pdf	/var/www/justfacts/assets/pdfs/2020/CNIP2020.pdf
pdfs/2020/Vote-Smart-FY21-Audit-Report-Final-Signed.pdf	/var/www/justfacts/assets/pdfs/2020/Vote-Smart-FY21-Audit-Report-Final-Signed.pdf
pdfs/2020/VoteSmartbrochure.pdf	/var/www/justfacts/assets/pdfs/2020/VoteSmartbrochure.pdf
pdfs/forcandidates/2023_states/2023_New_Jersey_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_New_Jersey_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Mississippi_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Mississippi_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Virginia_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Virginia_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Kentucky_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Kentucky_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Louisiana_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Louisiana_State_PCT.pdf
pdfs/forcandidates/states/2022_MS_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MS_PCT.pdf
pdfs/forcandidates/states/2022_IN_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_IN_PCT.pdf
pdfs/forcandidates/states/2022_AL_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_AL_PCT.pdf
pdfs/forcandidates/states/2022_WY_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_WY_PCT.pdf
pdfs/forcandidates/states/2022_NY_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NY_PCT.pdf
pdfs/forcandidates/states/2022_NJ_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NJ_PCT.pdf
pdfs/forcandidates/states/2022_SC_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_SC_PCT.pdf
pdfs/forcandidates/states/2022_MA_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MA_PCT.pdf
pdfs/forcandidates/states/2022_NM_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NM_PCT.pdf
pdfs/forcandidates/states/2022_NB_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NB_PCT.pdf
pdfs/forcandidates/states/2022_MD_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MD_PCT.pdf
pdfs/forcandidates/states/2022_MO_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MO_PCT.pdf
pdfs/forcandidates/states/2022_MINN_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MINN_PCT.pdf
pdfs/forcandidates/states/2022_AZ_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_AZ_PCT.pdf
pdfs/forcandidates/states/2022_PA_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_PA_PCT.pdf
pdfs/forcandidates/states/2022_OK_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_OK_PCT.pdf
pdfs/forcandidates/states/2022_OH_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_OH_PCT.pdf
pdfs/forcandidates/states/2022_NV_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NV_PCT.pdf
pdfs/forcandidates/states/2022_WA_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_WA_PCT.pdf
pdfs/forcandidates/states/2022_FL_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_FL_PCT.pdf
pdfs/forcandidates/states/2022_MI_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MI_PCT.pdf
pdfs/forcandidates/states/2022_CO_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_CO_PCT.pdf
pdfs/forcandidates/states/2022_OR_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_OR_PCT.pdf

Path	Location
admin/img/icon-no.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-no.svg
admin/img/README.txt	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/README.txt
admin/img/icon-yes.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-yes.svg
admin/img/inline-delete.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/inline-delete.svg
admin/img/selector-icons.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/selector-icons.svg
admin/img/icon-calendar.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-calendar.svg
admin/img/search.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/search.svg
admin/img/LICENSE	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/LICENSE
admin/img/icon-unknown.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-unknown.svg
admin/img/icon-viewlink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-viewlink.svg
admin/img/icon-changelink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-changelink.svg
admin/img/calendar-icons.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/calendar-icons.svg
admin/img/icon-alert.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-alert.svg
admin/img/icon-unknown-alt.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-unknown-alt.svg
admin/img/tooltag-add.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/tooltag-add.svg
admin/img/icon-addlink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-addlink.svg
admin/img/sorting-icons.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/sorting-icons.svg
admin/img/icon-clock.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-clock.svg
admin/img/icon-deletelink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-deletelink.svg
admin/img/tooltag-arrowright.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/tooltag-arrowright.svg
admin/img/gis/move_vertex_off.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/gis/move_vertex_off.svg
admin/img/gis/move_vertex_on.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/gis/move_vertex_on.svg
admin/fonts/README.txt	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/README.txt
admin/fonts/LICENSE.txt	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/LICENSE.txt
admin/fonts/Roboto-Regular-webfont.woff	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/Roboto-Regular-webfont.woff
admin/fonts/Roboto-Light-webfont.woff	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/Roboto-Light-webfont.woff
admin/fonts/Roboto-Bold-webfont.woff	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/Roboto-Bold-webfont.woff
admin/js/SelectFilter2.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/SelectFilter2.js
admin/js/nav_sidebar.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/nav_sidebar.js
admin/js/core.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/core.js
admin/js/popup_response.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/popup_response.js
admin/js/collapse.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/collapse.js
admin/js/autocomplete.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/autocomplete.js
admin/js/change_form.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/change_form.js
admin/js/jquery.init.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/jquery.init.js
admin/js/calendar.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/calendar.js
admin/js/urlify.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/urlify.js
admin/js/cancel.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/cancel.js
admin/js/prepopulate_init.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/prepopulate_init.js
admin/js/actions.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/actions.js