Tag Archives: healthcare

Biden Administration, Coronavirus Pandemic, Health Care, President Joe Biden

FACT SHEET: Biden Administration Launches Office of Pandemic Preparedness and Response Policy

More than one million Americans died of COVID, millions more are suffering long-COVID; it is estimated that 70 percent died needlessly, avoidably, while Biden’s swift actions to set up a comprehensive vaccination-delivery program (free tests, free masks, free vaccinations), saved 2 million lives. As part of President Biden’s commitment to ensure that our country is more prepared for a pandemic than we were when he took office, the Administration is standing up the Office of Pandemic Preparedness and Response Policy (OPPR). This will be a permanent office in the Executive Office of the President (EOP) charged with leading, coordinating, and implementing actions related to preparedness for, and response to, known and unknown biological threats or pathogens that could lead to a pandemic or to significant public health-related disruptions in the United States. © Karen Rubin/news-photos-features.com

A valid concern Americans should hold is that public health has been so politicized, so weaponized that leaders on all levels of government – federal, state, and local  – who are responsible for the welfare of their constituents, along with the weakening of their ability to take action to protect public health by the radical rightwing extremist judiciary put into place by McConnell and Trump, that we will not be informed when there is a new threat, that they will take action to quarantine, mandate masks and vaccinations to prevent hospital systems from being overwhelmed, and certainly, that concern that there won’t be the resources, the expertise, the means, infrastructure or the fortitude to protect us from the next pandemic. And the next pandemic is certain to take place, not in 100 years, but pushed forward by the changes to the ecosystem because of human-caused climate change.

More than one million died of COVID, millions more are suffering long-COVID; it is estimated that 70 percent died needlessly, avoidably, while Biden’s swift actions to set up a comprehensive vaccination-delivery program (free tests, free masks, free vaccinations), saved 2 million lives. With this in mind, the Biden-Harris Administration is taking steps, setting up the mechanisms to obtain vaccines, treatments and tests – while Florida Governor and presidential wannabe Ron DeSantis has actually made it illegal for Floridians to have a public response to a pandemic and Congressional Republicans show no interest whatsoever in allocating the funds to save lives. (Trump had dismantled the pandemic response infrastructure set up by the Obama Administration. Here is a fact sheet form the White House on its launch of Office of Pandemic Preparedness and Response Policy: –Karen Rubin/news-photos-features.com

The Biden-Harris Administration has made historic progress on our nation’s ability to manage COVID-19 so that it no longer meaningfully disrupts the way we live our lives. Under President Biden’s leadership, the Administration has taken significant steps to ensure all individuals have continued access to lifesaving protections such as vaccines, treatments, and tests, and that the nation is well prepared to manage the risks of COVID-19 or other causes of potential pandemics in the future.
 
As part of the President’s commitment to ensure that our country is more prepared for a pandemic than we were when he took office, the Administration is standing up the Office of Pandemic Preparedness and Response Policy (OPPR). This will be a permanent office in the Executive Office of the President (EOP) charged with leading, coordinating, and implementing actions related to preparedness for, and response to, known and unknown biological threats or pathogens that could lead to a pandemic or to significant public health-related disruptions in the United States. OPPR will take over the duties of the current COVID-19 Response Team and Mpox Team at the White House and will continue to coordinate and develop policies and priorities related to pandemic preparedness and response.
 
To lead this work, the President announced that Major General (ret) Paul Friedrichs will serve as the inaugural Director of OPPR and Principal Advisor on Pandemic Preparedness and Response as of August 7, 2023.  Maj. Gen. (ret) Friedrichs’ unparalleled experience makes him the right person to lead this office. He is currently Special Assistant to the President and Senior Director for Global Health Security and Biodefense at the National Security Council (NSC). Maj. Gen. (ret) Friedrichs previously served as Joint Staff Surgeon at the Pentagon, where he coordinated all issues related to health services, provided medical advice to the Chairman of the Joint Chiefs of Staff and served as medical adviser to the Department of Defense (DoD) Covid-19 Task Force. 
 
The Office of Pandemic Preparedness and Response Policy will:
 
Coordinate the Administration’s domestic response to public health threats that have pandemic potential, or may cause significant disruption, and strengthen domestic pandemic preparedness. This includes ongoing work to address potential public health outbreaks and threats from COVID-19, Mpox, polio, avian and human influenza, and RSV.
 
Drive and coordinate federal science and technology efforts related to pandemic preparedness. Specifically, OPPR will oversee efforts to develop, manufacture, and procure the next generation of medical countermeasures, including leveraging emerging technologies and working with HHS on next generation vaccines and treatments for COVID-19 and other public health threats. During the height of the pandemic, the Biden-Harris Administration made historic investments in COVID-19 vaccines, tests, and treatments that were made widely available. OPPR will continue to leverage these investments as it drives future progress in combatting COVID-19 and other public health threats.
 
Develop and provide periodic reports to Congress. As required by statute, OPPR will develop and provide to Congress a biennial Preparedness Review and Report and Preparedness Outlook Report every five years.
 
Major General (ret) Paul Friedrichs, Inaugural Director of OPPR and Principal Advisor on Pandemic Preparedness and Response
 
Major General Friedrichs is currently Special Assistant to the President and Senior Director for Global Health Security and Biodefense at the National Security Council (NSC). Prior to joining the NSC, Dr. Friedrichs most recently served as the Joint Staff Surgeon and the medical advisor to the Department of Defense (DoD) COVID-19 Task Force. Throughout his career he has worked closely with Federal, State, Tribal, local, and territorial government partners, as well as industry and academic counterparts and has been active in multiple professional medical societies. Dr. Friedrichs has also overseen the DoD global patient evacuation system, supporting global medical care and numerous interagency domestic and global disaster responses. He led the DoD Task Force which developed plans to implement high reliability medical principles across DoD and stood up the Air Force’s first medical analytics capabilities. Over the course of his 37-year career, he has led military hospitals and regional and global health care systems, published multiple medical papers, and consistently sought opportunities to partner with colleagues to improve health care delivery and preparedness. As the United States’ representative to the North Atlantic Treaty Organization Committee of Military Medical Chiefs, he worked closely with many of America’s closest allies and partners throughout the pandemic and in developing medical support to the Ukrainian military.
 
Dr. Friedrichs is a board-certified physician who has cared for hundreds of patients in combat and managed broad domestic and global public health threats. He has spent all of his career in public service, having first received his commission through Reserve Officer Training Corps in 1986 and rising to Major General in 2023.

Biden Administration, Health Care, Immigration-Migration-Refugees

FACT SHEET: Biden Announces Plan to Expand Health Coverage, Support to DACA Recipients

This fact sheet on President Biden’s plan to expand health coverage and other support to DACA recipients was provided by the White House:

In 2012, President Obama and then Vice President Biden announced the Deferred Action for Childhood Arrivals (DACA) program to allow young people to live and work in the only country they know as home.  Over the last decade, DACA has brought stability, possibility, and progress to more than 800,000 Dreamers. 
 
President Biden believes that DACA recipients strengthen our economy and enrich our workplaces, our schools and communities, and our country as a whole. That’s why on his first day in office, he called on Congress to give Dreamers a pathway to citizenship and he has repeated that call every State of the Union address since. While Congress has failed to act, the Biden-Harris Administration has taken significant measures to protect Dreamers. This includes, issuing regulations by the Department of Homeland Security to “preserve and fortify” DACA and fighting political opponents in court as they attempt to strip them of the only home they have ever known.
 
The Biden-Harris Administration is committed to providing Dreamers the opportunities and support they need succeed. President Biden is announcing  a plan to expand health coverage for DACA recipients. The Department of Health and Human Services will shortly propose a rule amending the definition of “lawful presence,” for purposes of Medicaid and Affordable Care Act coverage, to include DACA recipients. We recognize that every day counts, and we expect to get this done by the end of the month. If finalized, the rule will make DACA recipients eligible for these programs for the first time.  Under the proposed rule, DACA recipients will be able to apply for coverage through the Health Insurance Marketplace, where they may qualify for financial assistance based on income, and through their state Medicaid agency.  Like all other enrollees, eligibility information will be verified electronically when individuals apply for coverage.
 
President Biden and Vice President Harris believe that health care should be a right, not a privilege. Together, they promised to protect and strengthen the ACA and Medicaid, lowering costs and expanding coverage so that every American has the peace of mind that health insurance brings.  The President’s announcement gives DACA recipients that same opportunity, as the Administration continues to urge Congress to provide a pathway to citizenship to Dreamers, providing them the ultimate peace of mind they need and deserve.  
 
While we wait for Congress to act, and although there are some restrictions on the availability of benefits for DACA recipients, DACA recipients should take note of the numerous Federal programs, opportunities, and resources that have been and continue to be available to them:

Experiential Learning, National Service, and Employment Opportunities:

  • AmeriCorps VISTA Program. DACA recipients are eligible to serve in the AmeriCorps VISTA program, which provides participants with an opportunity to assist local organizations in alleviating poverty. Participants serve in a full-time position for one year and earn related benefits such as a living allowance, professional development and training, and a cash stipend.[1] Find a VISTA service opportunity here.
     
  • Outdoor Programs. DACA recipients have access to a range of outdoor programming, environmental education, and volunteer service programs in their communities and across the country. These include Every Kid Outdoors, the Scout Ranger Program, and the Healthy Parks, Healthy People program as well as the YMCA-National Parks Service partnership, including the Bringing Youth Outdoors Together Summer Camp Program.
     
  • American Job Centers. DACA recipients with work authorization can access many programs within American Job Centers, which help job seekers obtain employment and training to further their careers. American Job Centers provide counseling, skill and ability assessments, and advice on in-demand jobs and potential training opportunities. Locate an American Job Center here.
     
  • Job Corps. DACA recipients with work authorization may qualify for Job Corps, a no-cost education and vocational training program administered by the U.S. Department of Labor, which helps individuals ages 16-24 improve the quality of their lives by empowering them to secure good jobs and become independent. Job Corps students have access to room and board while they learn skills in specific training areas. Learn more about Job Corps here.
     
  • YouthBuild. DACA recipients with work authorization may qualify for YouthBuild, a pre-apprenticeship program for certain individuals ages 16-24. At YouthBuild’s 275 locations across the country, participants learn vocational skills in construction and other in-demand industries—including health care, information technology, and hospitality—while also earning their high school or equivalent degree, preparing them for opportunities such as college, Registered Apprenticeships, and employment. Information on YouthBuild is here.
     
  • National Farmworker Jobs Program. DACA recipients with work authorization who are engaged in agricultural work may benefit from the National Farmworker Jobs Program (NFJP), which offers services for migrant and seasonal farmworkers and certain family members within the network of American Job Centers. Career Services and Training grants can help farmworkers gain skills, advance in agricultural jobs, or find employment in new industries. Housing grants assist farmworkers in finding safe and sanitary permanent or temporary housing. Access NFJP resources here.
     
  • ARP Good Jobs Challenge. The Economic Development Administration’s American Rescue Plan: Good Jobs Challenge within the U.S. Department of Commerce is an investment in high-quality, locally led workforce systems to expand career opportunities and good-paying jobs for American workers, including DACA recipients, to achieve economic mobility and security. Awards under the Good Jobs Challenge have been granted to diverse worker-centered training partnerships and systems across the country spanning 31 states and Puerto Rico. The program also focuses on removing systemic barriers to employment through support services such as childcare, transportation, and paid on-the-job training opportunities. Access Good Job Challenge resources here.
     
  • Dept. of Education Resources. The Department of Education has a Resource Guide for schools, colleges, and teachers to support the to support the educational and career success of DACA recipients in secondary and postsecondary education, as well as comprehensive educational resources for DACA students available here.

Assistance with Renting or Purchasing a Home:

  • FHA Financing. DACA recipients are eligible to apply for Federal Housing Administration (FHA) insured financing for FHA Title II Single Family forward mortgage programs. FHA programs insure private loans made by FHA-approved lenders and FHA-backed loans can help reduce down payments for a home or condominium.
     
  • Housing, Rental, and Credit Counseling Services. DACA recipients can receive free or low-cost advice on buying a home, renting, preventing default, avoiding mortgage default and foreclosure, transitioning from homelessness, budgeting or through HUD-approved housing counseling agencies. Locate a HUD-approved housing counseling agency here or by calling 800-569-4287. Services are available in many languages, including Spanish, Korean, Portuguese, and Mandarin Chinese.

Tax Credits, Financial Education and Consumer Protection:

  • Tax Credits. DACA recipients may be eligible for tax credits, including the Child Tax Credit, Earned Income Tax Credit, and other child care, and education tax credits. The Internal Revenue Service (IRS) also provides in-depth tax information for immigrants including an immigrant tax guide, and a residency and tax law overview.
     
  • CFPB Resources. The Consumer Financial Protection Bureau (CFPB) provides detailed, targeted consumer tools, financial education resources in Arabic, Chinese, Korean, Russian, Spanish, Tagalog,  Vietnamese, and plain language publications to assist all individuals, including DACA recipients, in making informed financial decisions. CFPB can help answer hundreds of financial questions including questions on loans, credit, bank accounts, debt collection, and more.
     
  • Consumer Complaints. Consumers, regardless of immigration status, may submit a complaint through CFPB about financial products and services offered by companies, including checking and savings accounts, credit cards, debt collection and settlement, money transfers, virtual currency and more. Most companies respond within 15 days. Complaints can be submitted online or by phone and interpreting services are available by phone in 180 languages.
     
  • CFPB Immigrant Initiative. CFPB recently-launched an engagement and policy initiative aimed at using the Bureau’s tools and authorities to support immigrant families in accessing opportunities to build wealth and contribute to their communities. If you or your family have an experience to share about financial barriers faced by immigrants, please share your story.
  • FTC Consumer Alerts. All individuals can monitor current and past consumer scams through the Federal Trade Commission’s Consumer Alerts system. Sign up here to receive alerts about the latest scams FTC has identified.

Health and Well-Being:

  • HRSA Health Centers. DACA recipients can access health care through Health Resources & Services Administration (HRSA) Health Centers, which provide affordable, accessible, quality primary health care to patients regardless of ability to pay, insurance status, or immigration status. HRSA Health Centers are located in every state, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and the Pacific Basin. Locate a Health Center here.
     
  • Emergency Medicaid. DACA recipients may be eligible for emergency Medicaid. Emergency Medicaid pays for emergency medical treatment for people who meet Medicaid eligibility requirements in their state, but do not meet Medicaid’s citizenship and immigration status requirements. 
     
  • Public Health Programs. DACA recipients can also access public health programs that provide certain immunizations or treatment of communicable diseases.
     
  • Pregnancy and Breastfeeding Support. MotherToBaby, a program funded by HRSA, provides expert, confidential, and no-cost information about the impact of medications, drugs, or other exposures during pregnancy and breastfeeding. DACA recipients and their families can access these services, which are provided in English and Spanish, through the organization’s website, by calling 866-626-6847, or texting 855-999-3525.
     
  • Maternal Mental Health Support. The National Maternal Mental Health Hotline (1-833-943-5746) provides free, confidential, 24/7 emotional support, resources, and counseling referrals to pregnant and postpartum individuals facing mental health challenges, and their loved ones. Support is available over the phone and text in English and Spanish. Interpreter services are available in 60 additional languages and a relay service is available for people who are deaf or hard-of-hearing.
     
  • Special Health Needs. Family-to-Family Health Information Centers (F2F HICs) are located in all 50 States and U.S. territories and provide support, information, resources, and training for families of children and youth with special health care needs, including on specific health issues, family-centered care, and shared decision making (SDM). Find an F2F center in your area here.
     
  • Nutrition Assistance. The Special Supplemental Nutrition Program for Women, Infants and Children (WIC) provides pregnant, postpartum and breastfeeding individuals, as well as infants and children under 5, with food, nutrition and breastfeeding education, and referrals to health and social services. Eligibility is determined by categorical, residential, income, and nutrition risk requirements. Learn how to apply for WIC here or by calling a state, toll-free number found here.

Military Veterans and Active-Duty Servicemember Resources:

  • Veterans Benefits.  The Department of Veterans Affairs provides benefits and other assistance to all eligible Veterans regardless of their immigration status. More information for Veterans, their families, caregivers, and survivors is available here or can be accessed by calling 1-800-MyVA411 (1800-698-2411) which is available 24 hours a day, 365 days a year.
  • Free Legal Assistance. All active-duty military personnel and their dependents, as well as certain Reserve and National Guard Soldiers and retirees, are eligible for free legal assistance, including immigration and naturalization legal services. More information on Air Force Legal Assistance is available here, Army Legal Assistance here, Navy and Marine Legal Services here, and Coast Guard Legal Services here.
Biden Administration, Economic Policies, Economy, Health Care

FACT SHEET: New Data Show 8.2 Million Fewer Americans Struggling with Medical Debt Under Biden Administration

The Consumer Financial Protection Bureau (CFPB) released a new report that shows that the number of Americans with medical debt on their credit reports fell by 8.2 million from the first quarter of 2020 to the first quarter of 2022 © Karen Rubin/news-photos-features.com

The Administration’s work to strengthen the Affordable Care Act along with new consumer protections lead to continued progress reducing the burden of medical debt.. This fact sheet is provided by the White House:

The Consumer Financial Protection Bureau (CFPB) released a new report that shows that the number of Americans with medical debt on their credit reports fell by 8.2 million from the first quarter of 2020 to the first quarter of 2022. Today’s report is consistent with a recent report from the Centers for Disease Control and Prevention (CDC) that found that the number of Americans who are part of families having trouble paying their medical bills declined by 5.5 million between 2020 and 2021. One driver of these declines is the significant increase in the number of insured Americans over this period, a result of the President’s strategy of protecting and strengthening the Affordable Care Act (ACA) and lowering health care costs. The decline also reflects continued actions by the CFPB to highlight problems with inaccurate reporting of debt in collections and put the industry on notice to correct their behavior.

The new data also underscore the importance of the Biden-Harris Administration’s government-wide initiative to reduce the burden of medical debt. Following the Vice President’s April 2022 announcement, medical debt was directly relieved for many low-income Americans. And, informed by research showing that medical debt is not a reliable predictor of financial health, federal agencies are working to eliminate the use of medical debt to assess creditworthiness for participation in government lending programs. Specifically:  

  • The Department of Veterans Affairs (VA) implemented a streamlined process to make it easier and faster for lower-income veterans to get their VA medical debt forgiven. The new process – establishing simple criteria to qualify for debt relief and launching a new online debt relief portal – has already provided relief to over 10,000 veterans and saved them more than $10 million in copay debt.
  • Communities across the country – from Cook County, Illinois, to Toledo, Ohio, to New Orleans, Louisiana, to Pittsburgh, Pennsylvania – are using or have passed legislation to use about $16 million American Rescue Plan (ARP) funding to purchase medical debt from hospitals and other sources and forgive it, wiping out nearly $1.5 billion in medical debt, a ratio of nearly 100-to-1. Other localities and states have proposed to make similar purchases using ARP funding.
  • The Federal Housing Finance Agency (FHFA) validated and approved the use of VantageScore 4.0, along with FICO 10T, for the underwriting of mortgages by Fannie Mae and Freddie Mac. The addition of VantageScore 4.0, which excludes medical debt entirely, marks the first time that a credit score that excludes medical debt has been approved for mortgage underwriting of Enterprise loans.
  • The Small Business Administration (SBA) will take a number of steps to reduce the role of medical debt in the underwriting of loans for its 7(a) guaranteed loan program, including revising its lender Standard Operating Procedures to discourage consideration of medical debt and making technology investments in Lender Match to help borrowers find lenders that exclude medical debt in their credit decisions.

These reductions in medical debt will provide real benefits to many Americans. Reducing medical debt directly impacts household finances by improving credit scores and access to credit. And research shows that households that have their medical debt relieved see improvements in access to medical care, and in physical and mental health outcomes. Since medical debt is disproportionally held among low-income communities, reductions in the burden of medical debt helps advance financial and health equity.
 
The CFPB report also shows that medical debt still accounts for more than 50% of debt in collections tradelines, exceeding the number of debt in collections tradelines from all other sources combined, including credit cards, personal loans, utilities, and phone bills. Getting sick or taking care of loved ones should not mean financial hardship for American families. That is why the Administration has—and will continue—to take action to ease the burden of medical debt and protect consumers from predatory collection practices.
 
Supporting Veterans in Financial Hardship
 
In Spring 2022, VA committed to make it easier and faster for lower-income veterans to get their VA medical debt forgiven. Previously, veterans in financial hardship who needed medical debt relief for VA copayments had to fill out a complex, paper form and navigate complicated eligibility requirements. The application process was confusing, and time-consuming, and as a result, veterans may have been deterred from applying for much needed relief.
 
Since the spring 2022 announcement:

  • VA streamlined the application process, including establishing a simple, standardized criteria to qualify for debt relief and launching a new online debt relief portal to make it easier and faster to apply.
  • Since introducing the new criteria, VA has approved over 93% of debt relief requests, and 42% of relief requests are now submitted via the online portal.  
  • To date, the new streamlined system has provided relief to over 10,000 veterans and saved them more than $10 million combined in unpayable copay debt.

Helping Communities Wipe Out Medical Debt
 
To help relieve the burden of medical debt on their residents as part of the recovery from the COVD-19 pandemic, communities across the country are using American Rescue Plan (ARP) funding to support efforts to buy and forgive medical debt. These communities work with partners to purchase medical debt portfolios from hospitals, health systems, and debt collection agencies and forgive the debt. Because medical debts are often available for purchase at pennies on the dollar, these efforts can translate into massive reductions in medical debt.
 
In the programs implemented to date, individuals qualify if they are residents of the given locality and have incomes below a certain threshold or have medical debt in excess of 5% of their annual household income. Individuals whose debt is cancelled are notified by mail and do not need to apply. Communities that have used ARP funds to forgive medical debt include:

  • Cook County, Illinois. In July 2022, Cook County announced the use of $12 million in ARP funds to purchase and forgive up to $1 billion in medical debt. The program has already wiped out the medical debts of 45,000 people worth $26 million.
  • Toledo and Lucas County, Ohio. In November 2022, the Toledo City Council and Lucas County approved a cumulative $1.6 million in ARP funds to buy out medical debt of certain residents. In total, the localities expected that this purchase will wipe out approximately $240 million in debt.
  • New Orleans, Louisiana. In December 2022, the New Orleans City Council included in its annual budget a $1.3 million line item leveraging ARP funds to relieve up to an estimated $130 million in medical debt.
  • Pittsburgh, Pennsylvania. In January 2023, the Pittsburgh City Council approved a plan to use $1 million in ARP funds to eliminate up to an estimated $115 million medical debts for about 24,000 residents.

Taken together, these investments of about $16 million in ARP funding are expected to relieve up to nearly $1.5 billion in medical debt, a ratio of nearly 100-to-1, helping to mend household finances, improve mental health, and remove a barrier to accessing health care. Additional states and cities across the country are also considering using ARP funds to eliminate medical debt including most recently the state of Connecticut, where the governor proposed using $20 million in ARP funds to wipe out debts of about  $2 billion.   
 
Removing Medical Debt from Government Underwriting
 
Research shows that medical debt is not a reliable predictor of overall financial health – predominately reflecting inequities in health insurance coverage and the bad luck of a hospitalization or other medical event. A CFPB report found that including medical debt in credit scores understates consumers’ creditworthiness by 10 points, and including already paid medical debt understates consumers’ creditworthiness by as much as 22 points. This means that the use of medical debt in underwriting can cut off American’s access to credit without improving the accuracy and predictiveness of lending programs.
 
Informed by this research, the Biden-Harris Administration instructed all agencies to eliminate medical debt as a factor in underwriting of credit programs, whenever possible and consistent with law. Since then:

  • In October 2022, the Federal Housing Finance Agency (FHFA) validated and approved the use of VantageScore 4.0 and FICO 10T for the underwriting of mortgages by Fannie Mae and Freddie Mac. VantageScore 4.0 excludes medical debt entirely, and marks the first time that a credit score that excludes medical debt has been approved for mortgage underwriting of Enterprise loans.  Moreover, the national credit reporting agencies announced several changes affecting the reporting of medical debt in collections – including that paid medical collection debt would no longer be included on consumer credit reports, an extension of timing for reporting of unpaid medical collection debt from six to twelve months, and a minimum $500 threshold for medical collection debt reporting – meaning that the role of medical debt in FICO 10T will also be reduced. The Enterprises’ automated underwriting systems do not consider medical debt in collections.
  • The Small Business Administration (SBA) will be taking a number of steps to reduce the role of medical debt in the underwriting of loans in the 7a guaranteed loan program.  These steps include revising its Standard Operating Procedures to discourage lenders from considering medical debt and making technology investments in Lender Match to help borrowers find lenders that exclude medical debt from their credit decisions and empower such lenders to underwrite those loans via automated data compilation.
  • In February 2022, VA published a final rule under which it virtually ceased reporting medical debt, and other unfavorable debt, to the credit bureaus. This rule ensures that debt reported better reflects creditworthiness, while saving veterans from further financial struggles simply because they had to take on medical debt. VA is committed to mitigating the burden of medical debt in its Home Loan guarantee program and in the coming months will work with lenders and servicers to discuss how to best maximize the flexibility of their underwriting guidelines related to medical debt collections while monitoring investor reactions and access to capital for VA guaranteed loans

New Data on Medical Debt in Collections
 
The report from the CFPB documents trends in medical debt in collections that are listed on credit reports, with the data extending through the first quarter of 2022. Key findings include:

  • Between the first quarter of 2020 and the first quarter of 2022, the number of Americans with medical debt on their credit report fell by 8.2 million, a 17.9% reduction.
  • Medical debt in collections accounts for 57% of collections tradelines, exceeding the total number of collections tradelines from all other sources combined, including credit cards, personal loans, utilities, and phone bills.

One driver of this decline in medical debt is the expansion of health insurance coverage during the Biden-Harris Administration. In the first quarter of 2022, the uninsured rate hit an all-time low of 8.0%, with 4.2 million people gaining coverage between 2020 and the first half of 2022. This milestone does not yet not capture the impact of the most recent increase in Marketplace enrollment, with a record 16.3 million Americans signing up on HealthCare.gov and the state-based Marketplaces during the 2023 Open Enrollment Period. This includes 3.6 million people who are new to the Marketplaces for 2023. Since President Biden took office, the number of people who have signed up for an affordable health care plan through HealthCare.gov has increased by nearly 50%. The Biden-Harris Administration continues to work to create a more fair and transparent health care system for consumers, including by protecting millions of consumers from surprise medical bills through its implementation of the No Surprises Act—preventing about 1 million surprise bills per month—and by advancing hospital price transparency so patients know the upfront price of hospital services.
 
The declines in medical debt also reflect continued actions by the CFPB to highlight problems with inaccurate reporting of debt in collections and put the industry on notice to correct their behavior.
 
The declines in medical debt on credit reports do not yet capture any effects of the Spring 2022 announcement where the three largest credit reporting agencies—Equifax, Experian, and Transunion—stated that they will no longer include certain forms of medical debt on credit reports, including all debts under $500, starting in 2023. While not shown in these data, CFPB estimates these changes will likely result in further reductions in medical debt appearing on credit reports.  
 
The decline in medical debt in collection represents one part of a broader decrease in the financial burden from medical bills during the Biden-Harris Administration. The CFPB report focuses on medical debt reported to credit bureaus, and does not capture medical debt that is placed on credit cards (including hospital credit cards) or paid for with personal loans or hospital payment plans.  However, a CDC report released last month showed that between 2020 and 2021, the number of people in families having problems paying medical bills declined by 5.5 million people, indicating that American families are indeed experiencing across-the-board relief.
 
These findings represent real progress in providing breathing room for American families. At the same time, too many Americans still face crushing burdens from medical debt. The Biden-Harris Administration will continue to fight to ensure that Americans who are sick or are caring for sick loved ones are not hit with a double whammy of illness and medical debt. This includes continuing to help Americans sign up for health insurance; calling on Congress to make permanent the lower premiums for people buying ACA coverage and to close the Medicaid coverage gap; and continuing to reduce the burden of medical debt via sweeping actions by government agencies.

Biden Administration, Health Care, Obamacare

Record 16.3 Million Signed Up for Obamacare

Affordable Care Act – Obamacare – gives access to affordable health insurance for individuals. The Biden Administration reported a record 16.3 million people signed up for Obamacare in the last open enrollment period, a nearly 50 percent increase in HealthCare.gov signups since President Biden took office; 3.6 million people signed up for health care coverage through the marketplaces for the first time. (c) Karen Rubin/news-photos-features.com

Nearly 50% increase in HealthCare.gov signups since President Biden took office, and 3.6 million people signed up for health care coverage on the Marketplaces for the first time this year

The White House provided this detail about a record 16.3 million people signing up for Obamacare in the just-concluded open enrollment season,  a nearly 50% increase in HealthCare.gov signups since President Biden took office, and 3.6 million people signed up for health care coverage on the Marketplaces for the first time this year

The Biden-Harris Administration announced that a record-breaking 16.3 million people have selected an Affordable Care Act (ACA) Marketplace health plan nationwide during the 2023 Marketplace Open Enrollment Period (OEP) that ran from November 1, 2022-January 15, 2023 for most Marketplaces. President Biden promised to strengthen and build on the Affordable Care Act, and this year, the 10th year of ACA Open Enrollment, more Americans signed up for high-quality, affordable health insurance through the ACA Marketplaces than ever before. Since President Biden took office, the number of people who have signed up for an affordable health care plan through HealthCare.gov has increased by nearly 50%. Because of the President’s plan, millions of working families saved an average of $800 on their health insurance premiums last year.
 
Total plan selections include 3.6 million people (22% of total) who are new to the Marketplaces for 2023, and 12.7 million people (78% of total) who had active 2022 coverage and made a plan selection for 2023 coverage or were automatically re-enrolled. Over 1.8 million more people have signed up for health insurance, or a 13% increase, from this time last year. The 3.6 million plan selections from people who are new to the Marketplaces represent a 21% increase in new-to-Marketplace plan selections over last year.
 
“Unprecedented investments lead to unprecedented results,” said HHS Secretary Xavier Becerra. “Thanks to President Biden’s leadership, more than 16 million Americans have health insurance through the Affordable Care Act Marketplaces – an all-time high. The Biden-Harris Administration has made lowering health care costs and expanding access to health insurance a top priority – and these record-breaking numbers show we are delivering results for the American people. We will keep doing everything we can to ensure more people have the peace of mind that comes with high-quality, affordable health care.”
 
“President Biden promised to build on the success of the Affordable Care Act and make it easier for people to enroll and find affordable, quality coverage – and that promise has been kept,” said CMS Administrator Chiquita Brooks-LaSure. “On the tenth anniversary of the ACA Marketplaces, the numbers speak for themselves: more people signed up for plans this year than ever before, and the uninsured rate is at an all-time low.”
 
The Biden-Harris Administration has made expanding access to health insurance and lowering health care costs for America’s families a top priority, and under their leadership, the national uninsured rate reached an all-time low earlier this year, and the 2023 Marketplace Open Enrollment Period saw the highest number of  plan selections of any year since the launch of the ACA Marketplaces ten years ago.
 
This year, individuals benefited from a highly competitive Marketplace. Ninety-two percent of HealthCare.gov enrollees had access to options from three or more insurance companies when they shopped for plans. Also, new standardized plan options were available in 2023 through HealthCare.gov, which helped consumers compare and select plans. Thanks to the Inflation Reduction Act, more people this year continued to qualify for help purchasing quality health coverage with expanded financial assistance, resulting in four out of five people returning to HealthCare.gov being able to find a plan for $10 or less after tax credits.
 
Today’s snapshot represents activity through January 15, 2023 for the 33 Marketplaces using HealthCare.gov and through January 14 or 15, 2023 for the 18 State-based Marketplaces (SBMs) in 17 states and the District of Columbia that are using their own eligibility and enrollment platforms.
 
Marketplace Enrollment Snapshot Overview:
 

Marketplace and Consumer TypeCumulative 2023 OEP Plan Selections

Total: All Marketplaces
16,306,448
New Consumers3,603,067
Returning Consumers[1]12,703,381
Total HealthCare.gov Marketplaces12,203,622
New Consumers3,000,155
Returning Consumers9,203,467
Total SBMs[2]4,102,826
New Consumers602,912
Returning Consumers3,499,914

1 The returning consumers metric in this report includes both consumers who have returned to their respective Marketplace through the reporting date and selected a plan for 2023 coverage and consumers who have been automatically re-enrolled in their 2022 plan or a suggested alternate plan.
2 In addition to reported plan selections, New York and Minnesota have a Basic Health Program (BHP), which provides coverage to consumers with incomes below 200 percent of the FPL who are not eligible for Medicaid or CHIP and otherwise would be eligible for a QHP.  From November 1 – January 14, 2023, New York had a total of 1,114,406 individuals enroll in a BHP. Minnesota’s BHP data was not available at the time of this report. 

While the 2023 Open Enrollment Period has closed for the 33 Marketplaces using HealthCare.gov, State-Based Marketplace deadlines vary and enrollment continues in several states. State-specific deadlines and other information are available in the State-based Marketplace Open Enrollment Fact Sheet.

Individuals who meet certain conditions may be eligible for a Special Enrollment Period (SEP) and can determine if they qualify by visiting HealthCare.gov, or CuidadoDeSalud.gov, or by calling 1-800-318-2596.

Biden Administration, Health Care, President Joe Biden

FACT SHEET: By The Numbers: Millions of Americans Would Lose Health Care Coverage, Benefits, and Protections Under Congressional Republicans’ Plans

This fact sheet on the impact on health care coverage, benefits and protections under the Congressional Republicans’ plans was provided by the White House:

While President Biden has secured a cap on insulin costs at $35/month, a cap on out-of-pocket prescription drug costs to $2000, enabled Medicare for the first time to negotiate drug prices, and lowered the cost of health care premiums, Congressional Republicans have promised to strip Medicare of the right to negotiate drug prices and remove the $2,000 cap on out-of-pocket pharmacy expenses and would  put Medicare, Medicaid, and Social Security on the chopping block every five years. © Karen Rubin/news-photos-features.com

President Biden’s top priority is to lower costs for the American people. He was proud to sign the Inflation Reduction Act into law, taking on Big Pharma to allow Medicare to negotiate prescription drug costs for the first time, capping seniors’ drug costs at the pharmacy and the cost of insulin, and lowering health insurance premiums for people who get coverage through the Affordable Care Act. President Biden and Congressional Democrats are committed to protecting and strengthening Social Security and Medicare.
 
Congressional Republicans have a very different vision. They have promised to strip Medicare of the right to negotiate drug prices and remove the $2,000 cap on out-of-pocket pharmacy expenses. Florida’s Republican Senator and Chair of the National Republican Senatorial Committee Rick Scott has championed a plan to put Medicare, Medicaid, and Social Security on the chopping block every five years. Further, Congressional Republicans have repeatedly pledged to hold the American economy hostage by refusing to raise the debt limit unless they can cut Social Security and Medicare benefits that tens of millions of Americans have already paid into. 
 
Here’s what Congressional Republicans’ plan would mean:

Part I: Putting Bedrock Programs like Social Security and Medicare on the Chopping Block and Threatening the Global Economy Unless Those Programs Are Cut

All Medicare, Medicaid, and Social Security beneficiaries would see their benefits threatened under Sen. Rick Scott’s plan to put those programs on the chopping block every five years. Sen. Ron Johnson’s vision of putting them up for a vote every year would make that even worse. 
 
Congressional Republican leaders have also repeatedly said they will use the debt limit as leverage to cut these bedrock programs. Congressional Republicans have supported Medicare and Social Security cuts including:

  • Gradually increasing the Medicare eligibility age to 67 and the Social Security eligibility age to 70. (Republican Study Committee FY 2023 Budget)
     
  • Transforming Medicare benefits into a voucher where seniors would get a fixed amount of money to purchase a private health plan (Better Way Plan) or offering beneficiaries the option to transition to a premium support system (Republican Study Committee FY 2023 Budget) – which could lead to hundreds or thousands of dollars in additional out of pocket costs for seniors throughout the country.


Part II: Repealing the Prescription Drug and Health Care Provisions in the Inflation Reduction Act
 

President Biden has worked for decades to let Medicare negotiate drug prices, and that is finally happening thanks to the Inflation Reduction Act.  This will save billions of dollars for both Medicare beneficiaries, who will see reduced premiums and out-of-pocket costs, and the federal government. Kaiser Family Foundation estimates suggest that some 5 to 7 million beneficiaries each year use the types of high-cost drugs that could be subject to negotiation and will directly face higher cost sharing if these provisions are repealed.

The Inflation Reduction Act also requires prescription drug companies to pay rebates if they increase drug prices faster than inflation. According to an analysis by the Department of Health and Human Services, the cost of 1,200 prescription drugs rose faster than inflation in the last year alone – some prescription drugs increasing by $1000 in just one year. If Congressional Republicans repeal the Inflation Reduction Act, drug companies will be able to continue raising prices without paying a rebate, rather than putting that money back into Americans’ pockets.
 

Before the Inflation Reduction Act, Medicare beneficiaries with conditions like cancer, multiple sclerosis, and lung disease could face thousands of dollars in out-of-pocket prescription drug costs per year. Thanks to President Biden and Congressional Democrats’ Inflation Reduction Act, those costs will be capped at $2,000 per year, saving over 1 million beneficiaries an average of over $1,300 per year. If Congressional Republicans get their way and repeal the law, over 1.4 million Medicare beneficiaries will pay more each year – thousands of dollars more in some cases – for drugs at the pharmacy.
 

Drug manufacturers have raised insulin prices so rapidly over the last few decades that some Medicare beneficiaries struggle to afford this life-saving drug that costs less than $10 a vial to manufacture. Today, Medicare beneficiaries are enrolling in plans that must cap the out-of-pocket cost of insulin at no more than $35 per month per prescription, a protection they will lose if the law is repealed.
 

The Inflation Reduction Act saves 13 million Americans an average of about $800 per year on their health care premiums, by continuing the improvements to Affordable Care Act (ACA) premium tax credits enacted in the American Rescue Plan. By making health care more affordable, these improvements have expanded coverage to millions of people, helping bring the uninsured rate to an all-time low. Starting today, during Open Enrollment season, Americans can choose health insurance plans that lock in the Inflation Reduction Act’s cost savings for 2023. But Congressional Republicans would repeal this assistance, drive premiums higher, and jeopardize the progress the Biden Administration has made in driving the uninsured rate to a historic low. Older Americans would see especially large premium spikes; in most states, annual premiums for a 60-year old making $60,000 would more than double to over $10,000.

Biden Administration, Health Care

Biden Acts to Lower Health Care and Prescription Drug Costs for Americans

This is a fact sheet from the White House on actions President Biden has taken to lower health care and prescription drug costs:

To mark the start of Medicare Open Enrollment season, President Biden highlighted how seniors can take advantage of the Inflation Reduction Act’s cost-saving provisions as they shop for new health insurance plans. The President also signed an Executive Order directing the Department of Health and Human Services to explore additional actions it can take to lower prescription drug costs to build on his Administration’s work lowering costs for working and middle-class families © Karen Rubin/news-photos-features.com

To mark the start of Medicare Open Enrollment season, President Biden highlighted how seniors can take advantage of the Inflation Reduction Act’s cost-saving provisions as they shop for new health insurance plans. The President also signed an Executive Order directing the Department of Health and Human Services to explore additional actions it can take to lower prescription drug costs to build on his Administration’s work lowering costs for working and middle-class families.
 
Americans are squeezed by the cost of living – that’s been true for years and is a key reason the President ran. Health care costs in particular are driving inflation. Too many Americans face challenges paying for prescription drugs. On average, Americans pay two to three times as much as people in other countries for prescription drugs, and one in four Americans who take prescription drugs struggle to afford their medications. Nearly three in ten American adults who take prescription drugs say that they have skipped doses, cut pills in half, or not filled prescriptions due to cost.
 
The Inflation Reduction Act – which President Biden and Congressional Democrats delivered – tackles that problem and locks in on average $800 per year lower health care premiums for 13 million families, lowers seniors’ prescription drug prices, and caps their out of pocket expenses for prescription drugs at $2,000 per year. The Inflation Reduction Act protects Medicare beneficiaries from catastrophic drug costs by phasing in a cap for out-of-pocket costs at the pharmacy, establishing a $35 monthly cap per prescription of insulin, requiring companies who raise prices faster than inflation to pay Medicare a rebate, and allowing Medicare to negotiate prices for high-cost prescription drugs for the first time ever. Republicans in Congress, meanwhile, have said their top priority is to repeal the Inflation Reduction Act, ending these cost-saving provisions and raising prices for tens of millions of Americans.
 
To further lower health care costs, earlier this week, the Treasury Department took action to fix the so-called “family glitch” rule that was making it harder for families to afford health care coverage for their spouse or child. About 1 million Americans will either gain coverage or see their insurance become more affordable as a result of the new rule.
 
Lowering Medicare Costs This Open Enrollment Season
 
Starting this January, seniors and other Medicare beneficiaries will begin to see the benefits of these cost-saving measures. Because of the Inflation Reduction Act:

  • A month’s supply of insulin will be capped at $35 starting on January 1, 2023.
  • Medicare beneficiaries will pay $0 out of pocket for recommended adult vaccines covered by their Part D plan, including the shingles vaccine – which costs seniors up to $200.
  • Prescription drug companies that try to raise their prices faster than inflation will be required to pay Medicare a rebate. 

Earlier this year, HHS released a report showing that the price of 1,200 prescription drugs rose faster than inflation in just the last year. For example, one manufacturer of a drug used to treat high blood pressure and heart failure, used by millions of Medicare beneficiaries, increased the drug’s price by nearly 540 percent in 2022. Another drug used to treat autoimmune conditions increased by $1000 just this year.
 
During Medicare Open Enrollment – running from October 15 to December 7 – seniors and other beneficiaries will be able to choose drug coverage that reflects these new cost-savings, putting money back into their pockets.
 
Medicare beneficiaries should visit Medicare.gov or call 1-800-MEDICARE to review their options for the coming year, and make sure their health and prescription drug coverage is right for them. 
 
Using HHS’ Innovation Center to Further Bring Down Costs
 
As the Biden-Harris Administration works to implement the Inflation Reduction Act, President Biden will sign an Executive Order today directing the Department of Health and Human Services to consider additional actions to further drive down prescription drug costs. That includes leveraging the “Innovation Center” at HHS, created by the Affordable Care Act, which has authority to test new ways of paying for Medicare services that improve the quality of care while lowering costs. 
 
Under the Executive Order, HHS will have 90 days to submit a formal report outlining any plans to use the Innovation Center’s authorities to lower drug costs and promote access to innovative drug therapies for Medicare beneficiaries. This action would build on the Inflation Reduction Act’s landmark drug pricing reforms and help provide additional breathing room for American families.

Biden Administration, Climate Action, Democrats, Economic Development, Economic Policies, Economy, Health Care, Joe Biden, News & Photo Features

Biden Signs Historic Inflation Reduction Act:  ‘It’s about tomorrow. It’s about delivering progress and prosperity to American families’

Here is an edited, highlighted transcript of President Joe Biden’s remarks as he signed the Inflation Reduction Act, with historic investments in climate action, long-fought improvements in health care and prescription drug affordability, tax reform and deficit reduction, and in the immortal words of Biden as Obama’s VP, a “BFD.” –Karen Rubin/news-photos-features.com

President Joe Biden signs the historic, transformative Inflation Reduction Act, saying “It’s about tomorrow. It’s about delivering progress and prosperity to American families.” The act makes historic investments in climate action, long-fought improvements in health care and prescription drug affordability, tax reform and deficit reduction, and in the immortal words of Biden as Obama’s VP, a “BFD.” (via C-Span)

I’m about to sign the Inflation Reduction Act into law, one of the most significant laws in our history.  Let me say from the start: With this law, the American people won and the special interests lost.  The American people won and the special interests lost. 

For a while, people doubted whether any of that was going to happen. But we are in a season of substance.  This administration began amid a dark time in America — as Jim said, “a once-in-a-century pandemic” — devastating joblessness, clear and present threats to democracy and the rule of law, doubts about America’s future itself.  

And yet, we’ve not wavered.  We’ve not flinched.  And we’ve not given in.  Instead, we’re delivering results for the American people.  We didn’t tear down; we built up.  We didn’t look back; we looked forward.

And today — today offers further proof that the soul of America is vibrant, the future of America is bright, and the promise of America is real and just beginning.  (Applause.) 

Look, the bill I’m about to sign is not just about today, it’s about tomorrow.  It’s about delivering progress and prosperity to American families.

It’s about showing the American and the American people that democracy still works in America — notwithstanding all the — all the talk of its demise — not just for the privileged few, but for all of us.

You know, I swore an oath of office to you and to God to faithfully execute the duties of this sacred office.

To me, the critical duty — the critical duty of the presidency is to defend what is best about America.  And that’s not hyperbole.  Defend what’s best about America.  To pursue justice, to ensure fairness, and to deliver results that create possibilities — possibilities that all of us — all of us can live a life of consequence and prosperity in a nation that’s safe and secure.  That’s the job.  

Fulfilling that pledge to you guides me every single hour of every single day in this job.  

You know, presidents should be judged not only by our words, but by our deeds; not by our rhetoric, but by our actions; not by our promise, but by reality.  

And today is part of an extraordinary story that’s being written by this administration and our brave allies in the Congress.

This law — this law that I’m about to sign finally delivers on a promise that Washington has made for decades to the American people.  

I got here as a 29-year-old kid.  We were promising to make sure that Medicare would have the power to negotiate lower drug prices back then — back then — prescription drug prices.  

But guess what?  We’re giving Medicare the power to negotiate those prices now, on some drugs.

This means seniors are going to pay less for their prescription drugs while we’re changing circumstances for people on Medicare by putting a cap — a cap of a maximum of $2,000 a year on their prescription drug costs, no matter what the reason for those prescriptions are.

That means if you’re on Medicare, you’ll never have to pay more than $2,000 a year no matter how many prescriptions you have, whether it’s for cancer or any other disease.  No more than $2,000 a year.

And you all know it because a lot of you come from families that need this.  This is a Godsend.  This is a Godsend to many families and so, so long overdue. 


The Inflation Reduction Act locks in place lower healthcare premiums for millions of families who get their coverage under the Affordable Care Act.  

Last year, a family of four saved on average $2,400 through the American Rescue Plan that I signed into law that Congress voted in place.

In the years ahead, thanks to the Inflation Reduction Act, 13 million people are going to continue — continue to save an average of $800 a year on health insurance.

The Inflation Reduction Act invests $369 billion to take the most aggressive action ever — ever, ever, ever — in confronting the climate crisis and strengthening our economic — our energy security.

It’s going to offer working families thousands of dollars in savings by providing them rebates to buy new and efficient appliances, weatherize their homes, get tax credit for purchasing heat pumps and rooftop solar, electric stoves, ovens, dryers.
 
It gives consumers a tax credit to buy electric vehicles or fuel cell vehicles, new or used.  And it gives them a credit — a tax credit of up to $7,500 if those vehicles were made in America. 

American auto companies, along with American labor, are committing their treasure and their talent — billions of dollars in investment — to make electric vehicles and battery and electric charging stations all across America, made in America.  All of it made in America.

This new law also provides tax credits that’s going to create tens of thousands of good-paying jobs and clean energy manufacturing jobs, solar factories in the Midwest and the South, wind farms across the plains and off our shores, clean hydrogen projects and more — all across America, every part of America.

This bill is the biggest step forward on climate ever — ever — and it’s going to allow us to boldly take additional steps toward meeting all of my climate goals — the ones we set out when we ran.

It includes ensuring that we create clean energy opportunities in frontline and fence-line communities that have been smothered — smothered by the legacy of pollution, and fight environmental injustice that’s been going on for so long.

And here’s another win for the American people: In addition to cutting the deficit by $350 billion last year, in my first year in office, and cutting it $1.7 trillion this year, this fiscal year, we’re going to cut the deficit — I point out — by another $300 billion with the Inflation Reduction Act over the next decade.

We’re cutting deficit to fight inflation by having the wealthy and big corporations finally begin to pay part of their fair share.

Big corporations will now pay a minimum 15 percent tax instead of 55 of them got away with paying zero dollars in federal income tax on $40 billion in profit. 

And I’m keeping my campaign commitment: No one — let me emphasize — no one earning less than $400,000 a year will pay a penny more in federal taxes.  (Applause.) 

Folks, the Inflation Reduction Act does so many things that, for so many years, so many of us have fought to make happen.

And let’s be clear: In this historic moment, Democrats sided with the American people, and every single Republican in the Congress sided with the special interests in this vote — every single one.

In fact, the big drug companies spent nearly $100 million to defeat this bill.  A hundred million dollars.

And remember: Every single Republican in Congress voted against this bill. 

Every single Republican in Congress voted against lowering prescription drug prices, against lowering healthcare costs, against a fairer tax system.

Every single Republican — every single one — voted against tackling the climate crisis, against lowering our energy costs, against creating good-paying jobs.

My fellow Americans, that’s the choice we face: We can protect the already-powerful or show the courage to build a future where everybody has an even shot.

That’s the America I believe in.  (Applause.)  That’s what I believe in. 

And today — and today, we’ve come a step closer to making that America real.

Today, too often we confuse noise with substance.  Too often we confuse setbacks with defeat.  Too often we hand the biggest microphone to the critics and the cynics who delight in declaring failure while those committed to making real progress do the hard work of governing.

Making progress in this country as big and complicated as ours clearly is not easy.  It’s never been easy.

But with unwavering conviction, commitment, and patience, progress does come…

And when it does, like today, people’s lives are made better and the future becomes brighter, and a nation can be transformed.

That’s what’s happening now.  From the American Rescue Plan that helped create nearly 10 million new jobs, to a once-in-a-generation infrastructure law that will rebuild America’s roads, bridges, ports; deliver clean water, high-speed Internet to every American; to the first meaningful gun safety law in 30 years — and if I have anything to do with it, we’re still going to have an assault weapons ban, but that’s another story.  And to get significant veterans’ healthcare law in decades, for the first time; to a groundbreaking CHIPS and Science Law that’s going to ensure that technologies and jobs of the future are made here in America — in America.

(Applause.) 

And all this progress is part of our vision and plan and determined effort to get the job done for the American people, so they can look their child in the eye and say, “Honey, it’s going to be okay. Everything is going to be okay.”

Everything is going to make sure that democracy delivers for your generation.  Because I think that’s at stake.

And, now, I know there are those here today who hold a dark and despairing view of this country.  I’m not one of them.

I believe in the promise of America.  I believe in the future of this country.  I believe in the very soul of this nation.  And most of all, I believe in you, the American people.

I believe to my core there isn’t a single thing this country cannot do when we put our mind to it.  We just have to remember who we are.  We are the United States of America.

There is nothing nothing beyond our capacity. That’s why so many foreign companies decided to invest their — make chips in America. Billions of dollars.  We’re the best.  We have to believe in ourselves again.

And now I’m going to take action that I’ve been looking forward to doing for 18 months.  (Laughter and applause.)  I’m going to sign the Inflation Reduction Law.  (Applause.)

Okay.  Here you go. (The bill is signed.)

LEADER SCHUMER:  It’s now law.

(Applause.)

Biden Administration, Climate Action, Economic Policies, Economy, Health Care, News & Photo Features

The Inflation Reduction Act by the Numbers: What it Means to You

As part of the Inflation Reduction Act’s effort to transition the economy to clean, renewable energy, families that take advantage of clean energy and electric vehicle tax credits will save more than $1,000 per year. © Karen Rubin/news-photos-features.com

President Joe Biden will sign the Inflation Reduction Act today, a distillation of what Americans have been clamoring for, for the past 30 years. It includes the most significant investment in climate action, plus health care and tax reform while also amazingly reducing the deficit. Here’s what the Inflation Reduction Act will mean to you, by the numbers. This is from the White House:

The Inflation Reduction Act will lower costs for families, combat the climate crisis, reduce the deficit, and finally ask the largest corporations to pay their fair share. President Biden and Congressional Democrats have worked together to deliver a historic legislative achievement that defeats special interests, delivers for American families, and grows the economy from the bottom up and middle out.
 
Here’s how the Inflation Reduction Act impacts Americans by the numbers:
 
HEALTH CARE
 
Cutting Prescription Drug Costs

  • Today, Americans pay two to three times what citizens of other countries pay for prescription drugs
  • 5-7 million Medicare beneficiaries could see their prescription drug costs go down because of the provision allowing Medicare to negotiate prescription drug costs.
  • 50 million Americans with Medicare Part D will have the peace of mind knowing their costs at the pharmacy are capped at $2,000 per year, directly benefiting about 1.4 million beneficiaries each year.
  • 3.3 million Medicare beneficiaries with diabetes will benefit from a guarantee that their insulin costs are capped at $35 for a month’s supply.

 
Lowering Health Care Costs

  • 13 million Americans will continue to save an average of $800 per year on health insurance premiums
  • 3 million more Americans will have health insurance than without the law.
  • The uninsured rate is at an all-time low of 8%, which the historic law will build on.

 
Defeating Special Interests

  • $187 million: The amount the Pharmaceutical industry has spent on lobbying in 2022.
  • 1,600: number of lobbyists the pharmaceutical companies had in 2021 – three times the number of Members of Congress
  • 33 years: the amount of time Congressional Democrats have been trying to lower prescription drug costs by allowing Medicare to negotiate drug prices.
  • 19 years: number of years Medicare has been blocked from negotiating prescription drug costs

 
CLEAN ENERGY
 
Lowering Energy Costs

  • Families that take advantage of clean energy and electric vehicle tax credits will save more than $1,000 per year.
  • $14,000 in direct consumer rebates for families to buy heat pumps or other energy efficient home appliances, saving families at least $350 per year.
  • 7.5 million more families will be able install solar on their roofs with a 30% tax credit, saving families $9,000 over the life of the system or at least $300 per year.
  • Up to $7,500 in tax credits for new electric vehicles and $4,000 for used electric vehicles, helping families save $950 per year.
  • Putting America on track to meet President Biden’s climate goals, which will save every family an average of $500 per year on their energy costs.

 
Building a Clean Energy Economy

  • Power homes, businesses, and communities with much more clean energy by 2030, including:
    • 950 million solar panels
    • 120,000 wind turbines
    • 2,300 grid-scale battery plants
  • Advance cost-saving clean energy projects at rural electric cooperatives serving 42 million people.
  • Strengthen climate resilience and protect nearly 2 million acres of national forests.
  • Creating millions of good-paying jobs making clean energy in America.

 
Reducing Harmful Pollution

  • Reduce greenhouse gas emissions by about 1 gigaton in 2030, or a billion metric tons – 10 times more climate impact than any other single piece of legislation ever enacted.
  • Deploy clean energy and reduce particle pollution from fossil fuels to avoid up to 3,900 premature deaths and up to 100,000 asthma attacks annually by 2030.

 
TAXES
 
Making the Tax Code Fairer

  • $0: how much some of largest, profitable corporations pay in federal income tax.
  • 55: the number of America’s largest, wealthiest corporations that got away without paying a cent in federal income taxes in 2020.
  • $160 billon: how much the top 1 percent of earners is estimated to evade each year in taxes.
  • 15%: the minimum tax on corporate profits the Inflation Reduction Act imposes on the largest, most profitable corporations.
  • $124 billion: savings over 10 years the Inflation Reduction Act will generate from collecting taxes already owed by wealthy people and large corporations, according to the Congressional Budget Office.
  • And no family making less than $400,000 will see their taxes go up a penny.

 
Reducing the Deficit

  • The Inflation Act will achieve hundreds of billions in deficit reduction.
  • The deficit is projected to fall by more than $1.5 trillion this year after falling by more than $350 billion last year.
  • 126 leading economists – including 7 Nobel Laureates, 2 former Treasury Secretaries, 2 former Fed Vice Chairs and 2 former CEA Chairs – have said reducing the deficit will help fight inflation and support strong, stable economic growth.
Biden Administration, Gender Equity, Health Care, Justice system, News & Photo Features

Justice Department Sues Idaho to Protect Reproductive Rights

Complaint Alleges Idaho Law Violates the Emergency Medical Treatment and Labor Act
 

Protesting for reproductive rights © Karen Rubin/news-photos-features.com

The Justice Department today filed a lawsuit to protect the rights of patients to access emergency medical care guaranteed by federal law. The suit challenges Idaho Code § 18-622 (§ 18-622), which is set to go into effect on Aug. 25 and imposes a near-total ban on abortion.

The complaint seeks a declaratory judgment that § 18-622 conflicts with, and is preempted by, the Emergency Medical Treatment and Labor Act (EMTALA) in situations where an abortion is necessary stabilizing treatment for an emergency medical condition. The United States also seeks an order permanently enjoining the Idaho law to the extent it conflicts with EMTALA.

“On the day Roe and Casey were overturned, we promised that the Justice Department would work tirelessly to protect and advance reproductive freedom,” said Attorney General Merrick B. Garland.  “That is what we are doing, and that is what we will continue to do. We will use every tool at our disposal to ensure that pregnant women get the emergency medical treatment to which they are entitled under federal law. And we will closely scrutinize state abortion laws to ensure that they comply with federal law.” 

“Federal law is clear: patients have the right to stabilizing hospital emergency room care no matter where they live,” said Department of Health and Human Services Secretary Xavier Becerra. “Women should not have to be near death to get care. The Department of Health and Human Services will continue its work with the Department of Justice to enforce federal law protecting access to health care, including abortions.”

“One critical focus of the Reproductive Rights Task Force has been assessing the fast-changing landscape of state laws and evaluating potential legal responses to infringements on federal protections,” said Associate Attorney General Vanita Gupta. “Today’s lawsuit against the State of Idaho for its near-absolute abortion ban is the first public example of this work in action. We know that these are frightening and uncertain times for pregnant women and their providers, and the Justice Department, through the Task Force’s work, is committed to doing everything we can to ensure continued lawful access to reproductive services.”

EMTALA requires hospitals that receive federal Medicare funds to provide necessary stabilizing treatment to patients who arrive at their emergency departments while experiencing a medical emergency. When a physician reasonably determines that the necessary stabilizing treatment is an abortion, state law cannot prohibit the provision of that care. The statute defines necessary stabilizing treatment to include all treatment needed to ensure that a patient will not have her health placed in serious jeopardy, have her bodily functions seriously impaired, or suffer serious dysfunction of any bodily organ or part.

As explained in the complaint, once § 18-622 enters into effect in Idaho, a prosecutor can indict, arrest and prosecute a physician merely by showing that an abortion has been performed, without regard to the circumstances. A physician who provides an abortion in Idaho can ultimately avoid criminal liability only by establishing as an affirmative defense that “the abortion was necessary to prevent the death of the pregnant woman” or that, before performing the abortion, the pregnant patient (or, in some circumstances, their parent or guardian) reported an “act of rape or incest” against the patient to a specified agency and provided a copy of the report to the physician. The law provides no defense for an abortion necessary to protect the health of the pregnant patient. 

Idaho’s criminal prohibition of all abortions, subject only to the statute’s two limited affirmative defenses, directly conflicts with EMTALA and stands as an obstacle to the accomplishment of EMTALA’s federal objectives of providing stabilizing care and treatment to anyone who needs it. The Justice Department is committed to protecting access to reproductive services. Following the Supreme Court’s decision in Dobbs, the Justice Department established the Reproductive Rights Task Force, chaired by Associate Attorney General Gupta. The Task Force is charged with protecting access to reproductive freedom under federal law. For additional information on the work of the Task Force visit www.justice.gov/reproductive-rights.

Biden Administration, Health Care, News & Photo Features

FACT SHEET:
President Biden Signs Executive Order Protecting Access to Reproductive Health Care Services

New Yorkers protest to protect womens reproductive rights. President Biden has made clear that the only way to secure a woman’s right to choose is for Congress to restore the protections of Roe as federal law. Until then, he has committed to doing everything in his power to defend reproductive rights and protect access to safe and legal abortion. Today, President Biden signed an Executive Order Protecting Access to Reproductive Health Care Services, but stressed the importance and power of voters to secure their rights through the legislators they elect. © Karen Rubin/news-photos-features.com

Immediately following the extremist majority Supreme Court’s decision overturning Roe v. Wade, President Joe Biden declared he would use whatever levers were available to him as President, but much was up to Congress and, because of the decision, state legislatures. “My administration will use all of its appropriate lawful powers,” President Biden said. “But Congress must act.  And with your vote, you can act.  You can have the final word.  This is not over.” Today, President Biden is signing an Executive Order protecting access to reproductive health care services. Here is a fact sheet from the White House:

Two weeks ago, the Supreme Court issued a decision that overturned Roe v. Wade and eliminated a woman’s Constitutional right to choose.  This decision expressly took away a right from the American people that it had recognized for nearly 50 years – a woman’s right to make her own reproductive health care decisions, free from government interference.  Fundamental rights – to privacy, autonomy, freedom, and equality – have been denied to millions of women across the country, with grave implications for their health, lives, and wellbeing. This ruling will disproportionately affect women of color, low-income women, and rural women.
 
President Biden has made clear that the only way to secure a woman’s right to choose is for Congress to restore the protections of Roe as federal law. Until then, he has committed to doing everything in his power to defend reproductive rights and protect access to safe and legal abortion.
 
Today, President Biden signed an Executive Order Protecting Access to Reproductive Health Care Services. This Executive Order builds on the actions his Administration has already taken to defend reproductive rights by:

  • Safeguarding access to reproductive health care services, including abortion and contraception;
     
  • Protecting the privacy of patients and their access to accurate information;
     
  • Promoting the safety and security of patients, providers, and clinics; and
     
  • Coordinating the implementation of Federal efforts to protect reproductive rights and access to health care.

 
SAFEGUARDING ACCESS TO REPRODUCTIVE HEALTH CARE SERVICES
 
The President has directed the Secretary of Health and Human Services (HHS) to take the following actions and submit a report to him within 30 days on efforts to:

  • Protect Access to Medication Abortion.  HHS will take additional action to protect and expand access to abortion care, including access to medication that the FDA approved as safe and effective over twenty years ago. These actions will build on the steps the Secretary of HHS has already taken at the President’s direction following the decision to ensure that medication abortion is as widely accessible as possible.
     
  • Ensure Emergency Medical Care.  HHS will take steps to ensure all patients – including pregnant women and those experiencing pregnancy loss – have access to the full rights and protections for emergency medical care afforded under the law, including by considering updates to current guidance that clarify physician responsibilities and protections under the Emergency Medical Treatment and Labor Act (EMTALA). 
     
  • Protect Access to Contraception.  HHS will take additional actions to expand access to the full range of reproductive health services, including family planning services and providers, such as access to emergency contraception and long-acting reversible contraception like intrauterine devices (IUDs).  In all fifty states and the District of Columbia, the Affordable Care Act guarantees coverage of women’s preventive services, including free birth control and contraceptive counseling, for individuals and covered dependents. The Secretary of HHS has already directed the Centers for Medicare and Medicaid Services to take every legally available step to ensure patient access to family planning care and to protect family planning providers.
     
  • Launch Outreach and Public Education Efforts.  HHS will increase outreach and public education efforts regarding access to reproductive health care services—including abortion—to ensure that Americans have access to reliable and accurate information about their rights and access to care.
     
  • Convene Volunteer Lawyers.  The Attorney General and the White House Counsel will convene private pro bono attorneys, bar associations, and public interest organizations to encourage robust legal representation of patients, providers, and third parties lawfully seeking or offering reproductive health care services throughout the country.  Such representation could include protecting the right to travel out of state to seek medical care. Immediately following the Supreme Court decision, the President announced his Administration’s position that Americans must remain free to travel safely to another state to seek the care they need, as the Attorney General made clear in his statement, and his commitment to fighting any attack by a state or local official who attempts to interfere with women exercising this right.

PROTECTING PATIENT PRIVACY AND ACCESS TO ACCURATE INFORMATION
 
The President’s Executive Order takes additional steps to protect patient privacy, including by addressing the transfer and sales of sensitive health-related data, combatting digital surveillance related to reproductive health care services, and protecting people seeking reproductive health care from inaccurate information, fraudulent schemes, or deceptive practices.  The Executive Order will:

  • Protect Consumers from Privacy Violations and Fraudulent and Deceptive Practices.  The President has asked the Chair of the Federal Trade Commission to consider taking steps to protect consumers’ privacy when seeking information about and provision of reproductive health care services.  The President also has directed the Secretary of HHS, in consultation with the Attorney General and Chair of the FTC, to consider options to address deceptive or fraudulent practices, including online, and protect access to accurate information.
  • Protect Sensitive Health Information.  HHS will consider additional actions, including under the Health Insurance Portability and Accountability Act (HIPAA), to better protect sensitive information related to reproductive health care. The Secretary of HHS has already directed the HHS Office for Civil Rights to take initial steps to ensure patient privacy and nondiscrimination of patients, as well as providers who provide reproductive health care, including by:
     
    • Issuing new guidance to address how the HIPAA Privacy Rule protects the privacy of individuals’ protected health information, including information related to reproductive health care. The guidance helps ensure doctors and other medical providers and health plans know that, with limited exceptions, they are not required – and in many cases, are not permitted – to disclose patients’ private information, including to law enforcement. 
       
    • Issuing a how-to guide for consumers on steps they can take to make sure they’re protecting their personal data on mobile apps.

PROMOTING SAFETY AND SECURITY
 
The Executive Order addresses the heightened risk related to seeking and providing reproductive health care and will:

  • Protect Patients, Providers, and Clinics.  The Administration will ensure the safety of patients, providers, and third parties, and to protect the security of other entities that are providing, dispensing, or delivering reproductive health care services.  This charge includes efforts to protect mobile clinics, which have been deployed to borders to offer care for out-of-state patients. 

COORDINATING IMPLEMENTATION EFFORTS
 
To ensure the Federal government takes a swift and coordinated approach to addressing reproductive rights and protecting access to reproductive health care, the President’s Executive Order will:

  • Establish an Interagency Task Force.  The President has directed HHS and the White House Gender Policy Council to establish and lead an interagency Task Force on Reproductive Health Care Access, responsible for coordinating Federal interagency policymaking and program development.  This Task Force will also include the Attorney General.  In addition, the Attorney General will provide technical assistance to states affording legal protection to out-of-state patients as well as providers who offer legal reproductive health care. 

EXECUTIVE ORDER BUILDS ON ADMINISTRATION’S ACTIONS TO PROTECT ACCESS TO REPRODUCTIVE HEALTH CARE
 
In addition to the actions announced today, the Biden-Harris Administration has taken the following steps to protect access to reproductive health care and defend reproductive rights in the wake of the Supreme Court decision in Dobbs.  On the day of the decision, the President strongly denounced the decision as an affront to women’s fundamental rights and the right to choose In addition to action mentioned above, the Biden-Harris Administration is:

  • Supporting Providers and Clinics.  The Secretary of HHS directed all HHS agencies to ensure that all HHS-funded providers and clinics have appropriate training and resources to handle family planning needs, and announced nearly $3 million in new funding to bolster training and technical assistance for the nationwide network of Title X family planning providers.
     
  • Promoting Access to Accurate Information.  On the day of the Supreme Court’s decision, HHS launched ReproductiveRights.gov, which provides timely and accurate information about reproductive rights and access to reproductive health care.  This includes know-your-rights information for patients and providers and promoting awareness of and access to family planning services, as well as guidance for how to file a patient privacy or nondiscrimination complaint with its Office for Civil Rights. 
     
  • Providing Leave for Federal Workers Traveling for Medical Care.  The Office of Personnel Management issued guidance affirming that paid sick leave can be taken to cover absences for travel to obtain reproductive health care.
     
  • Protecting Access to Reproductive Health Care Services for Service members, DoD Civilians, and Military Families.  The Department of Defense (DoD) issued a memo to the Force, DoD civilians and military families on ensuring access to essential women’s health care services. The memo reiterates that the Department will continue to provide seamless access to reproductive healthcare for military and civilian patients, as permitted by federal law.  Military providers will continue to fulfill their duty to care for Service members, military dependents and civilian personnel who require pregnancy termination in the cases of rape, incest, or to protect the life of the mother.

For up-to-date information on your right to access reproductive health care, visit www.reproductiverights.gov