March, 21 2018, 04:15pm EDT
Warren, Colleagues Unveil Legislation to Hold Insurance Companies Accountable and Strengthen Consumer Protections
Senators' Bill mproves affordability of coverage and prevents Trump Administration sabotage of the ACA.
WASHINGTON
United States Senators Elizabeth Warren (D-Mass.), Maggie Hassan (D-N.H.), Bernie Sanders (I-Vt.), Kamala Harris (D-Calif.), Tammy Baldwin (D-Wis.) and Kirsten Gillibrand (D-N.Y.) today introduced the Consumer Health Insurance Protection Act to hold health insurance companies accountable and strengthen consumer protections in private health insurance. The bill builds on the progress made under the Affordable Care Act and includes provisions to improve the quality and affordability of health insurance purchased on the Affordable Care Act (ACA) exchanges or provided through employer coverage.
"A family's security can be swept away with just one bad diagnosis - just like with my little family back in Oklahoma. When I was 12, my daddy had a heart attack and we almost lost everything," said Senator Warren. "So long as private health insurance exists, there is no reason to allow our health care to be held hostage by insurance companies that refuse to do better. Our bill will hold them accountable while significantly improving access to healthcare for millions of Americans."
"Every Granite Stater and American deserves to have quality, affordable health insurance coverage to help them live healthy and productive lives," said Senator Hassan. "Too many families continue to struggle with rising health care costs - which have been exacerbated by the Trump Administration's efforts to sabotage the Affordable Care Act and destabilize health care insurance markets. I am proud to help introduce the Consumer Health Insurance Protection Act, which includes critically important provisions to lower health care costs and prioritize the needs of patients while also helping to stabilize insurance markets."
"No one should have to choose between receiving quality healthcare and putting food on their table, a roof over their head, or retiring with dignity. This legislation is a critical step forward for Americans who are feeling their paychecks squeezed over rising costs of healthcare as insurance companies earn record profits," said Senator Harris.
"In Wisconsin and across the country, premiums keep rising as a result of the Trump Administration's repeated attempts to sabotage our health care system. There is more that Washington can do right now to make health care more affordable and help families access the coverage that meets their needs. Wisconsinites want us to move forward to lower health care costs and provide more options, which is why I am supporting the Consumer Health Insurance Protection Act," said Senator Baldwin.
The Affordable Care Act made historic strides in expanding access to affordable, high-quality health insurance coverage and put an end to some of the most egregious practices that insurance companies used to shift costs onto patients. But today the more than 216 million individuals who rely on private insurance are facing rising out-of-pocket costs. Three out of every ten American adults with health insurance say they're having a hard time paying for their medical bills.
Too many patients also still have to battle with their insurance companies just to see a doctor or get a prescription filled. Insurance companies may draw their networks so narrow that patients struggle to find a doctor, drop doctors from their network in the middle of the year with no notice, and ambush patients who unwittingly relied on outdated provider directories with unexpected costs. Additionally, insurance companies may suddenly jack up out-of-pocket costs for a cancer or MS drug, or rip up a plan at the end of the year and leave patients scrambling to maintain access to their doctor. Meanwhile, insurance company profits are booming. The top insurers in the country pull in the majority of their revenue from Medicare and Medicaid, even as some of these same insurers claim they can't afford to participate in the ACA exchanges.
The Consumer Health Insurance Protection Act holds insurance companies accountable by putting an end to practices that hurt patients and requiring companies to live up to the same high standards that are set for private insurers when they participate in Medicare and Medicaid. The bill sets up an ombudsman program to track consumer complaints about insurers, sets limits on insurance company profits to match those private insurers can earn in Medicare and Medicaid, and protects against unreasonable premium increases with stronger rate review standards. The bill also requires insurers making money off Medicare and Medicaid to offer coverage on the ACA exchanges in areas with limited insurer competition.
The Consumer Health Insurance Protection Act also includes a number of provisions aimed at increasing the affordability of ACA coverage. The bill enhances the affordability of ACA plans by increasing premium tax credits, expanding cost-sharing reduction (CSR) subsidies, and making more families eligible for premium tax credits. These changes will guarantee that every individual on the ACA exchanges has access to a plan that covers 80% of out-of-pocket costs and costs no more than 8.5% of income in premiums. The bill would also guarantee payment of CSRs, strengthen protections for essential health benefits, require all short-term insurance products to meet ACA standards, and block the Trump Administration's rule on association health plans.
The Consumer Health Insurance Protection Act is endorsed by Families USA, Consumers Union, Public Citizen and Community Catalyst. See their statements of support here.
Senator Elizabeth Warren, a Democrat and fearless consumer advocate who has made her life's work the fight for middle class families, was elected to the United States Senate on November 6, 2012, by the people of Massachusetts.
LATEST NEWS
US Reportedly Working to Stop ICC From Issuing Arrest Warrant for Netanyahu
"There is absolutely no reason for Biden to be involved in this," said one analyst. "But once again, Biden steps in to protect Netanyahu from the consequences of the war crimes he commits."
Apr 28, 2024
Israeli Prime Minister Benjamin Netanyahu is reportedly growing increasingly concerned that the International Criminal Court is preparing to issue arrest warrants for him and other top government officials for committing war crimes in the Gaza Strip.
The Times of Israelreported Sunday that the Israeli government, in partnership with the U.S., is "making a concerted effort to head off" possible arrest warrants from the ICC, which first launched its war crimes investigation in the occupied Palestinian territories in 2021.
Israel does not recognize the ICC's jurisdiction and has refused to cooperate with the probe. The ICC says it has jurisdiction over Gaza, the West Bank, and East Jerusalem.
Citing an unnamed Israeli government source, The Times of Israel reported that "a major focus of the ICC allegations will be that Israel 'deliberately starved Palestinians in Gaza.'" Other officials who could face arrest warrants are Defense Minister Yoav Gallant and Israel Defense Forces (IDF) Chief of Staff Herzi Halevi.
The Times of Israel's reporting came shortly after Israeli journalist Ben Caspit wrote that Netanyahu is "under unusual stress" over the possibility of arrest warrants and is leading a "nonstop push over the telephone" to forestall ICC action.
Like Israel, the U.S. is not a party to the Rome Statute, which established the ICC in 2002. The legal body is tasked with investigating individuals, not governments.
The U.S., Israel's leading arms supplier, has opposed the ICC's Palestine investigation from the start, with Secretary of State Antony Blinken saying in a 2021 statement that the court "has no jurisdiction over this matter" because "Israel is not a party to the ICC."
But the Biden administration vocally supported the ICC's decision to issue an arrest warrant for Russian President Vladimir Putin over war crimes committed in Ukraine, even though neither Russia nor Ukraine are parties to the Rome Statute.
Seeing commentary that ICC arrest warrants against Israeli officials would create a dangerous precedent because Israel isn’t a party to the Rome Statute.
Guess who else isn’t a party to the Rome Statute?
Russia.
ICC already crossed that bridge with warrant for Putin.
— Brian Finucane (@BCFinucane) April 28, 2024
The Israeli government has been accused of committing numerous war crimes in Gaza since the October 7 Hamas-led attack, including genocide, ethnic cleansing, and using starvation as a weapon of war. Late last year, the human rights group Democracy for the Arab World Now submitted to the ICC the names of dozens of Israeli military commanders who are believed to have been directly involved in violations of international law.
Reports of potentially imminent ICC action have sparked alarm among conservatives in the United States.
U.S. House Speaker Mike Johnson (R-La.) wrote on social media Friday that the court should "should stand down on this immediately."
In an
editorial published that same day, The Wall Street Journal suggested the U.S. and United Kingdom could "risk finding Americans and Britons under the gun" next if they don't warn ICC Prosecutor Karim Khan against issuing arrest warrants for Israeli officials. Human rights organizations and legal experts have said Biden and other U.S. officials could be held liable under international law if they continue supporting Israel's war on Gaza.
"Mr. Khan's candidacy was championed by his native Britain and supported by the U.S.," continues the Journal editorial, "so both countries may have influence if they warn Mr. Khan of what will happen if he proceeds."
The Times of Israelnoted Sunday that according to reports in several Israeli media outlets, the U.S. is "part of a last-ditch diplomatic effort to prevent the International Criminal Court from issuing arrest warrants against Prime Minister Benjamin Netanyahu and other Israeli officials."
Trita Parsi, executive vice president of the Quincy Institute for Responsible Statecraft, argued Sunday that "there is absolutely no reason for Biden to be involved in this."
"But once again," Parsi added, "Biden steps in to protect Netanyahu from the consequences of the war crimes he commits, which Biden claims he privately is frustrated about."
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Leaked State Department Memo: Israeli Assurances 'Neither Credible Nor Reliable'
"Today's leak should mark a final end to this impunity. President Biden has no choice but to fully enforce the law and halt aid to Israel."
Apr 28, 2024
A newly leaked internal memo shows that officials at four U.S. State Department bureaus don't believe the Israeli government's assurances that it is using American weaponry in Gaza in compliance with international law, rejecting them as "neither credible nor reliable."
The memo, first reported by Reuters on Saturday, is a joint submission from the State Department's bureaus of Democracy, Human Rights, and Labor; Population, Refugees, and Migration; Global Criminal Justice; and International Organization Affairs.
The leaked document raises "serious concern over non-compliance" with international law, specifically citing the Israeli military's repeated attacks on civilian infrastructure, refusal to investigate or punish those responsible for atrocities, and killing of "humanitarian workers and journalists at an unprecedented rate," according to Reuters.
The memo also points to Israel's arbitrary rejection of humanitarian aid trucks, which has fueled famine in the Gaza Strip. The bureaus' conclusion matches that of officials at the United States Agency for International Development.
Human rights groups have been documenting Israel's atrocities and systematic obstruction of aid for months, but the Biden administration has continued approving weapons sales for the Netanyahu government despite U.S. laws prohibiting arms transfers to countries violating human rights and blocking American humanitarian assistance.
Sarah Leah Whitson, executive director of Democracy for the Arab World Now (DAWN), said Saturday that "the State Department's leaked confirmation that Israel has restricted the transport and delivery of U.S. humanitarian assistance leaves no doubt: U.S. law requires the suspension of military aid to Israel."
"For too long, the Biden administration has breached or ignored U.S. laws that require the suspension of aid to an abusive regime like Israel, fueling Israeli belligerence and rewarding its atrocities," said Whitson. "It's time for real consequences."
"Suspending military aid is the bare minimum the U.S. must do to avoid further complicity in these abuses."
In March, Israeli Defense Minister Yoav Gallant penned a letter assuring the Biden administration that the Israeli military's use of American weaponry has been in line with international law. A spokesperson for the U.S. State Department subsequently indicated that the Biden administration has not found Israel "to be in violation of international humanitarian law," drawing outrage from analysts and members of Congress who say it is obvious Israel is committing war crimes. in Gaza.
The U.S. State Department is expected to deliver its final assessment of Israel's assurances to Congress in early May.
The written assurances from Israel were required under a White House policy known as National Security Memorandum 20 (NSM-20), which has the ostensible aim of preventing "arms transfers that risk facilitating or otherwise contributing to violations of human rights or international humanitarian law."
NSM-20 states that "in furtherance of supporting Section 620I of the Foreign Assistance Act of 1961 (22 U.S.C. 2378-1) and applicable international law," the U.S. will "obtain credible and reliable written assurances from a representative of the recipient country as the Secretary of State deems appropriate that, in any area of armed conflict where the recipient country uses such defense articles, consistent with applicable international law, the recipient country will facilitate and not arbitrarily deny, restrict, or otherwise impede, directly or indirectly, the transport or delivery of United States humanitarian assistance and United States Government-supported international efforts to provide humanitarian assistance."
Raed Jarrar, DAWN's advocacy director, said Saturday that "Section 620I has been rendered toothless by State Department inaction and special treatment for Israel."
"Today's leak should mark a final end to this impunity. President Biden has no choice but to fully enforce the law and halt aid to Israel," said Jarrar. "From bombing residential towers to blocking food and medicine, Israel's war on Gaza has been marked by utter disregard for civilian life and international law. Suspending military aid is the bare minimum the U.S. must do to avoid further complicity in these abuses. But it's an essential first step to show that even Israel is not above the law."
Details of the internal State Department memo emerged just days after Congress gave final approval to a foreign aid package that includes $17 billion in unconditional military assistance for the Israeli government.
In a joint statement on Friday, dozens of civil society groups warned that the newly approved military aid risks deepening U.S. complicity in an assault that has killed more than 34,000 people and put millions at risk of starvation.
"Not only does this supplemental aid package provide Israel with billions in lethal arms, it also provides the country with privileges above and beyond anything it has ever received, in particular for the war reserve stockpile and offshore procurement," the groups said. "The passage of the supplemental bill further risks U.S. complicity in grave international crimes committed by Israel."
"We urge the administration and Congress to uphold U.S. law and policy and international law by withholding the transfer of additional lethal military aid to Israel," they added.
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Disgust Greets White House Correspondents' Dinner as Israel Kills Journalists in Gaza
"To sit and schmooze with the president while he sends billions of dollars in weapons to Israel to kill their colleagues in Gaza is unethical and immoral."
Apr 27, 2024
On Saturday night, U.S. reporters and government officials—including President Joe Biden—will gather at the Washington Hilton Hotel for the annual White House Correspondents' Dinner, a glitzy, humor-filled affair that has faced mounting boycott calls in recent weeks as Palestinian journalists in Gaza are targeted and killed by the Israeli military in appalling numbers.
Earlier this month, dozens of Palestinian journalists urged their American colleagues to spurn the invite-only event "as an act of solidarity with us—your fellow journalists—as well as with the millions of Palestinians currently being starved in Gaza due to the Biden administration's continued political, financial, and military backing of Israel."
One journalist, Mehdi Hasan of Zeteo, has heeded the call.
"I have attended the White House Correspondents' Dinner for the past two years," Hasan, a former MSNBC host, wrote on social media Saturday, hours before the event. "I decided not to attend today's dinner (which, to be clear, is hosted by D.C. journalists not the White House) in solidarity with under-fire Palestinian journalists in Gaza who have called for a boycott."
According to the Committee to Protect Journalists, at least 97 media workers—92 of them Palestinian—have been killed in Gaza, Israel, and Lebanon since October 7. The Palestinian Journalist Syndicate puts the number higher at 125.
"Israel has killed over 10% of our colleagues," said Shuruq As'ad, director of the Palestine Journalism Hub and supporter of calls to boycott the White House Correspondents' Dinner, which is hosted by the White House Correspondents' Association.
The International Federation of Journalists (IFJ), an organization representing more than 600,000 media workers across 146 countries, endorsed the boycott push on Saturday, as did the National Writers Union (NWU).
"More than 100 journalists and media workers have been killed in the past six months of Israel's war on Gaza, backed by the United States government," NWU said in a statement. "As a union of journalists and media workers who strive for truth, we refuse to normalize genocide. Stand with journalists in Gaza and amplify the call for a boycott."
Israel's assault on Gaza, which has been fueled by U.S. weapons and diplomatic support, is the deadliest conflict for journalists in decades. Last year, roughly 75% of the journalists killed globally were killed by Israeli forces.
Al Jazeera's Gaza bureau chief, Wael Dahdouh, has lost five family members to Israeli airstrikes, including his 27-year-old son Hamza, who was also a journalist.
"To dine with him as he allows Palestinians to die of starvation by cutting off funding to critical humanitarian aid is despicable."
Press freedom groups have accused the Biden White House of failing to do enough to stop the Israeli military from targeting members of the media, who continue to risk their lives to show the world the devastation Israel is inflicting in Gaza.
"The Biden administration has been all talk when it comes to journalists killed by the Israel Defense Forces," Seth Stern, director of advocacy at the Freedom of the Press Foundation, said earlier this year. "The Biden administration says it cares deeply about journalists' freedom to cover the war but has failed to demand Israel ensure journalists' safety or hold it accountable when it doesn't."
The New York Timesreported that in addition to the jokes, Biden is "expected to issue a more serious warning at a time when journalists around the world are being jailed or detained more frequently for doing their job."
But it remains to be seen whether the president will mention Gaza journalists specifically.
President Biden will address the White House Correspondents Dinner tonight. It’s expected that’ll he’ll mention threats to journalists around the world. Will he mention Israel’s murder of Shireen Abu Aqlah & the scores of Palestinian journalists murdered in Gaza? Probably not. pic.twitter.com/nA6M2t9nK9
— James J. Zogby (@jjz1600) April 27, 2024
Protests are expected outside the dinner's venue, but as NBC Newsreported, "protests inside the event itself are much less common and perhaps unprecedented, given the tight security."
"People involved in organizing the protests said they knew of no plans to try to infiltrate the exclusive invite-only dinner," the outlet added. (Kelly O'Donnell, NBC's senior White House correspondent, is presiding over this year's dinner.)
Sandra Tamari, executive director of the Adalah Justice Project, which helped organize the letter calling for a boycott of Saturday's dinner, said it's grotesque for reporters who claim to be committed to a free press to pal around with members of an administration that is aiding deadly attacks on journalists in Gaza.
"To sit and schmooze with the president while he sends billions of dollars in weapons to Israel to kill their colleagues in Gaza is unethical and immoral," said Sandra Tamari, executive director of Adalah Justice Project, which helped organize the letter calling for a boycott of Saturday's dinner. "To dine with him as he allows Palestinians to die of starvation by cutting off funding to critical humanitarian aid is despicable."
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