[Congressional Record (Bound Edition), Volume 161 (2015), Part 2]
[Senate]
[Pages 1971-1972]
[From the U.S. Government Publishing Office, www.gpo.gov]




                     MAINE COMMUNITY HEALTH OPTIONS

  Mr. KING. Mr. President, I rise to speak about a little-discussed 
aspect of the Affordable Care Act. Before touching on the main subject, 
I should point out that I think as of tonight there will be more than 
11 million Americans who will have already signed up for health care 
coverage under the Affordable Care Act so far this year. Of course, the 
deadline is coming up next week, and this weekend there could be a very 
large influx of newly insured Americans, which I think is an occurrence 
we should all feel very proud of and should celebrate.
  I wish to speak about a part of the Affordable Care Act that gets 
very little mention, very little discussion, and very little 
controversy. It is a provision that enables local organizations within 
a State to form cooperative insurance entities, to form nonprofits, to 
provide insurance to their citizens. Today I wish to speak about one of 
those--and one of the most successful in the country--the Maine 
Community Health Options program.
  It is a story of an opportunity. It is a story of a vision. It is a 
story of an idea. It is a story of risk taking. It is a story of 
creative and dedicated Maine professionals who were willing to take a 
risk and try to implement a new idea. It is one of the health insurance 
co-ops, as I mentioned, that was established by the Affordable Care 
Act. The Affordable Care Act provided the opportunity to develop 
something new and different in health insurance--a company where 
purchasers of health insurance also become members and then elect other 
members to serve on the board of directors of their insurance company.
  Kevin Lewis and Robert Hillman, two of the founders, saw an 
opportunity in the ACA to develop this idea they knew was needed to 
address the challenges of health care coverage for Maine citizens. 
Working with a group of people in Maine who shared their concerns about 
health care, they built Maine Community Health Options based on this 
vision of meeting Maine's people's health insurance needs in a direct 
and hands-on way.
  Would it work? Nobody knew. When the enrollment opened last year, 
their goal, their hope, their vision was for 15,000 signups. By the 
time the dust settled at the deadline last spring, they had 40,000 
signups. Eighty-three percent of the marketplace signups in Maine had 
signed up with this fledgling company. This year, I am told, as of 
today they have over 60,000 signups.
  I did a tour of their offices recently in Lewiston, ME, and we talked 
about this phenomenon of all the signups that came unexpectedly. It 
reminded me of a TV commercial we all saw a few years ago where these 
young people start an Internet startup. They see the sales orders 
coming in, and they are

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happy. Then they start to come in even faster, and they get even more 
excited. Then they start to come in even faster, and they look at each 
other and say, what do we do now? These people in Maine experienced 
exactly that. Great, it is working. A few more. Wow, that is great. 
Then it went crazy. They all shook their heads. When we talked about 
this in Lewiston a few weeks ago, they said that is exactly the way it 
felt.
  This sounds simple and straightforward, and it wasn't. When those 
40,000 folks were signing up and the systems were challenged, Maine 
Community Health Options faced those issues head-on. They figured out 
where the problems were, addressed them, and communicated to members 
quickly and directly. That is really the Maine way.
  The explosion of growth of this little company from zero to 60,000 is 
a jobs story as well. Maine Community Health Options now employs over 
130 people and has even contracted with a local call center in Maine to 
provide additional customer support during this enrollment period. Even 
their chosen location is a good-news story. It is a great news story 
for New England and for Maine because they are in an old textile mill. 
The textile industry flourished in New England up through the 1950s but 
then left these beautiful old mills in Lewiston, ME. One of these 
mills--first one floor and now two floors--is being repurposed for this 
21st century project of bringing health insurance to the people of 
Maine. It is humming with activity, new jobs, and people supporting 
their families.
  It is also a local control story. Maine Community Health Options 
recently held elections for the board--a board that has to be made up 
of 51 percent of their individuals who are members who are elected by 
other members. In other words, the people who use the products and who 
buy the health insurance are actually making decisions about how those 
products should be designed. They are responsible to the folks who 
elect them--like us.
  The structure of the organization is only part of the story. I think 
this is very important. They are also focused on the business of 
health--individual health and community health. They are focused on 
prevention.
  The cheapest medical intervention of all of this is the one that 
never occurs, because people have preventive care that keeps them from 
more serious chronic care. They have a chronic illness support program 
and a tobacco cessation program which are both designed to make it 
easier and cheaper for members to manage chronic care or stop smoking. 
That is how we are going to save money in the health care system. They 
have a behavioral health partnership creating a nearly seamless 
transition for members in need of short-term mental health services, 
with no copay for the first three visits. They are doing community 
outreach. They recognize many people who have never had health 
insurance coverage before don't fully understand how to use it. Their 
community outreach effort includes informational presentations on 
health care for members and nonmembers alike.
  Another part of the good-news story is Maine Community Health Options 
has just expanded its coverage into New Hampshire and is providing a 
new health care option for the people of New Hampshire. Whereas last 
year, as I understand it, New Hampshire only had one option on their 
exchange, now I think they have at least two, and perhaps three or 
four, one of which I commend to the Presiding Officer is based in 
Lewiston, ME.
  Finally--and I think this is very important--what has this done for 
rates? I think we have lost sight of this in the last couple of years. 
For many years, one of the problems in health care in this country was 
the exaggerated inflation of health care costs--5, 6, 7, 8 percent a 
year was not unusual in the late 1990s and the early first decade of 
this century. That was the typical, somewhat expected inflation in the 
rates of health care costs--in the cost of health care and, therefore, 
in insurance rates.
  Maine Community Health Options not only has reduced its already 
competitive rates, reduced its rates by 1 percent this year, but that 
competitive pressure, we believe, has also brought pressure to reduce 
rates for other providers and other carriers in Maine.
  This is a great news story. This is people who saw an opportunity 
created by the Affordable Care Act to create a new kind of health 
insurance company that is owned and run by its members, that is 
delivering health care, quality health care insurance coverage, to the 
people of Maine and now the people of New Hampshire, that is helping to 
control costs, and I think most importantly is taking an active role in 
assisting its members in improving their own health. Of course, this is 
about cost. Of course, it is about access. Of course, it is about all 
the mechanics of health insurance. But in the end, if the result is 
healthier people, people who need the intervention of the health care 
system less frequently, that is a huge win for those individuals, for 
our State, for our region, and for our country.
  I come to the floor today just to share some good news about an 
aspect of the Affordable Care Act that is absolutely working, and it is 
making a huge difference in the lives of thousands, tens of thousands, 
of Maine people. Better health coverage, better health at a lower 
cost--what is not to like about that formula?
  I am very proud of what these entrepreneurial individuals in Maine 
have undertaken and the success they have enjoyed so far. I look 
forward to working with them as they continue the project that has 
meant so much to my people.
  I yield the floor.
  I suggest the absence of a quorum.
  The PRESIDING OFFICER (Ms. Ayotte). The clerk will call the roll.
  The legislative clerk proceeded to call the roll.
  Mr. CARPER. Madam President, I ask unanimous consent that the order 
for the quorum call be rescinded.
  The PRESIDING OFFICER. Without objection, it is so ordered.

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