A bad Idea in 2011 and a bad idea today

In May of 2011 the U.S. House passed a bill that would have prevented small businesses from having access to health insurance tax credits available under Obamacare or forced them to change health insurance plans.  The issue was health services related to any type of procedure related to abortions.

I participated in a press conference at the U.S. Capitol outlining our opposition to this bill.  The legislation passed the House but was not even considered by the Senate.

That same bill has been reintroduced in the House with action expected shortly.  Below is my letter to the appropriate Congressional offices again stating our opposition.

January 14, 2014

The Honorable Dave Camp, Chairman

Committee on Ways and Means

1102 Longworth House Office Building

Washington, DC 20515


The Honorable Sander Levin, Ranking


Committee on Ways and Means

1106 Longworth House Office Building

Washington, DC 20515


The Honorable Pat Tiberi, Chairman

Subcommittee on Select Revenue


1136 Longworth House Office Building

Washington, DC 20515


The Honorable Richard E. Neal, Ranking


Subcommittee on Select Revenue


2208 Rayburn House Office Building

Washington, DC 20515


Re: H.R.7

Dear Chairman Camp, Chairman Tiberi, Ranking Member Levin and Ranking Member


After decades of escalating group health insurance premiums and demands for

Congressional action for relief, our smallest of businesses finally were given the

opportunity for federal health insurance tax credits through the Affordable Care Act.

Now H.R 7 threatens to erase this benefit for small businesses because it would eliminate

the health insurance tax credits for any existing or new plans that provide coverage for


The problems H.R. 7 would cause for small businesses that are trying to do the right thing

and offer health insurance have nothing to do with the ideological intent of this bill. Even if a small business owner

were to agree with the intent, the cost in time, money and continuity of policy is very significant.


1. Small business owners do not have the expertise to closely examine healthcare

plans to determine if abortion coverage is included. Such services are not labeled

“abortion” but rather fall into numerous clauses in a health care policy from

prescription drugs to outpatient surgery to maternity care that includes unforeseen

complications. Small business owners are no more prepared to completely

understand the fine print of their health insurance policies than are members of


2. Requiring a small business owner to try to understand the intricacies of their

health insurance policies would require considerable time on their own or with an

insurance agent (who also probably has no idea how to interpret the verbiage in

the policy as it relates to abortion). Essentially H.R. 7 will cause a small

employer to divert time from running the business. And if time is money, as we

are all told, then H.R. 7 will be an increase in cost for small businesses offering

health insurance.

3. Small businesses that finally determine that their health insurance policy does in

fact cover even one abortion service will be financially punished in one of two

ways. Either they can keep their present policy and lose thousands of dollars in

hard won tax credits or they will give up their current health plan and most likely

have to pay higher premiums for a new plan.


H.R. 7 is simply a slap in the face to the millions of small businesses now offering health

insurance to employees and eligible for the new tax credits. Targeting small businesses

for such punitive action, while ignoring big businesses that also receive tax benefits when

offering health insurance, demonstrates a callous disregard for the “backbone of our

economy,” as members of Congress love to proclaim about small businesses.


Frank Knapp, Jr.

President & CEO

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