IV 
109TH CONGRESS 
1ST SESSION 
H. RES. 215 
Recognizing the need to move the Nation’s current health care delivery system 
toward a defined contribution system. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 14, 2005 
Mr. PRICE of Georgia submitted the following resolution; which was referred 
to the Committee on Energy and Commerce, and in addition to the Com-
mittees on Education and the Workforce and Ways and Means, for a pe-
riod to be subsequently determined by the Speaker, in each case for con-
sideration of such provisions as fall within the jurisdiction of the com-
mittee concerned 
RESOLUTION 
Recognizing the need to move the Nation’s current health 
care delivery system toward a defined contribution system. 
Whereas eighty-two percent of the United States population 
has health insurance coverage; 
Whereas more than sixty-two percent of the people in the 
United States receive their health insurance, either di-
rectly or indirectly, through the workplace; 
Whereas with our current third-party model, employers deter-
mine health benefits, dictate costs for individuals and 
families, and hold the contract with the insurance com-
pany;
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Whereas nearly nine-out-of-ten companies with fewer than 
two hundred employees offer only one health plan, and 
fifty-three percent of all workers offered employer-pro-
vided coverage have no more than two options; 
Whereas with employer-provided health care there is a lack 
of individual ownership and personal choice for the em-
ployee; 
Whereas the rise of employer-sponsored health insurance 
plans has led employees to believe they are receiving free 
coverage, while economists have shown that workers forgo 
higher wages in lieu of health benefits; 
Whereas Americans pay higher prices for fewer choices under 
our current third-party model; 
Whereas our current health care system places the patient 
further from decisions made regarding their own health 
care; 
Whereas health insurers would be more responsive to individ-
uals and families if health insurance policies were owned 
by the person most directly affected by the coverage; 
Whereas defined contribution plans provide for individual 
ownership of health insurance policies; and 
Whereas it is a reasonable national goal to have a health care 
system which allows patients much more control and 
greater input into their very personal health care deci-
sions: Now, therefore, be it 
Resolved, That the House of Representatives— 
(1) recognizes that the current third-party 
model prevents individuals from having immediate
•HRES 215 IH 
control and ownership over critical health care deci-
sions; 
(2) recognizes the excessive costs of the current 
health care delivery system; 
(3) recognizes that flaws within the current 
health care delivery system contribute to the number 
of uninsured in the United States; 
(4) recognizes that defined contribution plans 
provide patients greater power to select their health 
care provider and preferred treatment; and 
(5) recommends that the United States Con-
gress move the Nation’s current health care delivery 
system toward a defined contribution system so that 
individuals gain direct ownership of their health care 
insurance policies. 
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