Protecting the Middle Class News
- Posted byon April 18, 2012 at 6:34 PM EDT
President Obama was in Elyria, Ohio today where he met with students at Lorain County Community College. The President was there to talk about the Administration’s job training initiatives to help more Americans get back to work and connect unemployed Americans with the skills training they need to find jobs in high-demand, high-growth industries, including the Community College to Career Fund. He told the students that taking classes at community colleges and getting new skills doesn't just benefit students and their future employers but adds economic value to the entire region:
Investing in a community college, just like investing in a new road or a new highway or broadband lines that go into rural communities, these investments are not part of some grand scheme to redistribute wealth. They’ve been made by Democrats and Republicans for generations because they benefit all of us. That's what leads to strong, durable economic growth. That's how America became an economic superpower. That's how we built the Transcontinental Railroad. That's why we’ve got the best universities and colleges in the world. That's why we have cutting-edge research that takes place here, and that then gets translated into new jobs and new businesses, because somebody did the groundwork. We created a foundation for those of us to prosper.
When you take classes at a community college like this one and you learn the skills that you need to get a job right away, that does not just benefit you; it benefits the company that ends up hiring and profiting from your skills. It makes the entire region stronger economically. It makes this country stronger economically.
In this country, prosperity does not trickle down; prosperity grows from the bottom up. And it grows from a strong middle class out. That’s how we grow this economy.
- Posted byon April 18, 2012 at 12:35 PM EDT
The financial crisis and the recession both began when the housing bubble burst. Since then, home prices have plummeted, and today, millions of American families with little to no equity in their homes remain locked in mortgages at high interest rates. Despite staying current with payments, they can't refinance at today's historically low interest rates.
President Obama has already worked to help make sure that more responsible homeowners with mortgages backed by Freddie Mac and Fannie Mae have a chance to save money each month by allowing them to refinance their mortgages at today’s low rates.
In his State of the Union Address, President Obama called on Congress to pass a plan that would allow millions of additional homeowners with Fannie and Freddie loans, as well as those whose loans don’t happen to be backed by the government, finally access streamlined refinancing -- save $3,000 a year or more.
We've put together a short video that helps to explain the steps that President Obama has introduced to reduce the barriers to refinancing that are preventing responsible homeowners from saving money on their mortgages each month. Check it out and learn why refinancing is good for homeowners, neighborhoods and our economy.
- Posted byon April 18, 2012 at 9:32 AM EDT
Small businesses are the engine of the American economy. Over the past 17 years, they have generated 65 percent of all net jobs and today the 27.5 million small businesses in the U.S. employ about half of all private sector workers.
The Affordable Care Act is helping fix a health care market that has been broken for small business owners. For too long, many small businesses couldn’t afford to provide coverage for their employees. And those who did paid more and knew their premiums could skyrocket if one employee got sick. For many business owners, this meant choosing between keeping their employees covered or dropping coverage and running the risk of losing good employees.
The new health care law is giving business owners new resources and options to cover their employers. The law helps small business owners by providing tax credits to help them afford coverage. These tax credits have already benefited an estimated two million workers who get their insurance from an estimated 360,000 small employers. This includes businesses like Vahallan Papers in Lincoln, Nebraska. Vahallan Papers has produced custom, hand-made wallpaper for 14 years, and seven years ago, started offering health insurance to attract high quality employees. They were able to get the tax credit in both 2010 and 2011, and used that tax credit to increase the amount they contributed to their employee’s health care costs, saving their employees around $400 a year each.
- Posted byon April 17, 2012 at 12:25 PM EDT
Today – Tuesday, April 17 – is Equal Pay Day, which marks the fact that, nearly 50 years since President John F. Kennedy signed the Equal Pay Act of 1963, the average woman still has to work well into the calendar year to earn what the average man earned last year. According to the latest U.S. Census statistics, on average, full-time working women earned 77 cents to every dollar earned by men, and the gap is significantly more for women of color. This substantial gap is more than a mere statistic. It has real-life consequences. Women, who compose nearly half of the workforce, are bringing home 23 percent less than their male counterparts – which means less for families’ everyday needs, less for investments in our children’s futures, and, when added up over a lifetime of work, substantially less for retirement.
President Obama understands how much this issue impacts our nation’s economic well-being, and that’s why, from his earliest days in office, he has been committed to closing the pay gap. Today, in conjunction with Equal Pay Day, we are proud to announce the following additional initiatives:
- First, the White House released the Equal Pay Task Force Accomplishments Report: Fighting for Fair Pay in the Workplace. The Equal Pay Task Force (“Task Force”), which the President established in 2010, brings together the best expertise of professionals at the U.S. Equal Employment Opportunity Commission, the Department of Justice, the Department of Labor and the Office of Personnel Management, who work daily to combat pay discrimination in the workplace. Since the Task Force’s creation, enforcement actions have increased; the government has recovered unprecedented monetary recoveries for women seeking their fair share for performing the same work as men; and investments in outreach to both employers and employees are paying big dividends. The report details the significant progress that the Task Force has made to fight pay discrimination – including improving inter-agency coordination and collaboration to ensure that the full weight of the federal government is focused on closing the gender pay gap once and for all. I commend the professionals who represent the member agencies on the Task Force for the extraordinary work they and their teams undertake each day to realize the President’s directive.
- Second, Secretary of Labor Hilda L. Solis today announced the winners of the “Equal Pay App Challenge.” In January of this year, the Department of Labor, in conjunction with the Equal Pay Task Force, launched this challenge – inviting software developers to use publicly available data and resources to create applications that provide greater access to pay data organized by gender, race, and ethnicity; provide interactive tools for early career coaching or online mentoring; or provide data to help inform pay negotiations. A solution to the pay gap has been elusive, in part because access to basic information – e.g., typical salary ranges and skill level requirements for particular positions, advice on how to negotiate appropriate pay – is limited. Because of the enthusiastic response to the “Equal Pay App Challenge” and the creative apps that were developed, anyone with a smartphone, tablet or computer can access answers to these basic, but important, questions. This challenge represents just one more way that women can empower themselves with the tools they need to make sure they get equal pay for equal work.
- Finally, in our ongoing effort to educate employees and employers about their rights and responsibilities under our nation’s equal pay laws, the Department of Labor today published two brochures that will educate employees regarding their rights under the existing equal pay laws and enable employers to understand their obligations.
- Posted byon April 13, 2012 at 6:30 PM EDT
A quick look at what happened this week on WhiteHouse.gov:
Women and the Economy: On Friday, the White House Forum on Women and the Economy brought together nearly 200 women from all over the country to join in a conversation about the critical role that women play in driving our economic progress. “When it comes to our efforts on behalf of women and girls, I’m proud of the accomplishments we can point to,” President Obama explained.” Yes, we’ve got more to do. But there’s no doubt we have begun to make progress.”
134th Annual #EasterEggRoll: Monday’s Easter Egg Roll brought more than 30,000 people from all 50 states to the South Lawn of the White House for reading, crafts, cooking demonstrations, sporting activities, Easter eggs and more. You can check out a gallery of images from the day and videos from many of the performances, readings, and demonstrations on our YouTube channel.
In the Oval Office with President Rousseff: On Monday, President Obama was joined by President Dilma Rousseff of Brazil to discuss the bilateral relationship between the two countries, which are the two largest economies and democracies in the Western hemisphere. The two discussed a wide range of global issues, including global economic growth, the situation in the Middle East, and progress the two countries have made as co-chairs of the Open Government Partnership.
The Case for the Buffett Rule: Speaking from Florida Atlantic University on Tuesday, President Obama outlined the Buffett Rule, which is based on the simple idea that people who make more than $1 million each year pay at least the same share of their income in taxes as middle class families do. With the Buffett Rule in place, the President explained Tuesday, “it makes it affordable for us to be able to say for those people who make under $250,000 a year – like 98 percent of American families do – then your taxes don’t go up.”
Happy 1st Birthday, Joining Forces: Twelve months ago, First Lady Michelle Obama and Dr. Jill Biden launched Joining Forces– a commitment to honor and serve military families as they have served us. As the two marked the one year anniversary of the initiative’s launch with an event on the South Lawn of the White House, they renewed their call to action by challenging all Americans to keep finding new ways to show their support for military families.
- Posted byon April 13, 2012 at 9:00 AM EDT
“This is a make-or-break moment for the middle class, and for all those who are fighting to get into the middle class. Because what’s at stake is whether this will be a country where working people can earn enough to raise a family, build a modest savings, own a home, secure their retirement.” -- Remarks by the President on the Economy in Osawatomie, Kansas, December 6, 2011
The President has been focused on working to ensure an America that grows together, rather than one in which the gains go disproportionately to the wealthy. His policies have already made a real contribution to achieving this ideal—benefiting millions of people, principally middle-class Americans and those struggling to get into the middle class—and he continues to push tirelessly for policies, including the Buffett Rule, that will help us get closer.
The best available data on incomes refute the baseless claim recently made by some that income inequality is worse under President Obama than it was under President George W. Bush. More fundamentally, whereas the previous Administration’s policies were tilted towards the wealthiest Americans, President Obama has been focused on the middle class and those working to get into the middle class.
Inequality Was Worse Under President Bush than Under President Obama
According to the latest data from economist Emmanuel Saez, when the last economic expansion ended in 2007, the fraction of income going to the top 1 percent was the highest since 1928 and the fraction of income going to the top 0.1 percent was the highest ever recorded (the data go back to 1913). The share of income going to the very top remains high, but has come down and was lower in both 2009 and 2010 than in any year from 2005 through 2008.
It is difficult to evaluate changes in inequality over very short periods of time, especially when these coincide with a deep recession and dramatic fluctuations in equity prices. But there is no basis in the data for claiming that inequality under President Obama is greater than the historic levels reached under President Bush. Any suggestion to the contrary is based on a combination of ignoring the most obvious facts and treating the dramatic recovery of the stock market in 2009 and 2010 as if it tells a deeper structural story about the economy.
- Posted byon April 11, 2012 at 3:35 PM EDT
Nancy Clark is the owner of Glen Group, a small advertising and marketing agency in North Conway, New Hampshire, which serves people from across the state. As a small business owner, Nancy is mindful of her business’ expenses, and has had to cut back where she could. But one thing that Nancy tells us she never considered cutting was the health insurance she offers to her employees.
“My personal philosophy is health care is a right and it should be affordable,” Nancy says. “So here as a very small business owner, I will always offer the mechanism by which people can have access to health care.”
The small business tax credit provided by the Affordable Care Act was important to Nancy’s company. For 2010 and 2011, the credit helped with Glen Group’s bottom line. And now that the economy and Nancy’s business are getting stronger, she says: “My hope is that in 2012 we will … take that tax credit and I would like to use it to pay down deductibles or even to pay … one co-pay or two co-pays.”
- Posted byon April 10, 2012 at 1:14 PM EDT
Ed note: this was originally posted on the Healthcare.gov blog
The Affordable Care Act is bringing real change to a health care system that has cost us too much and could do a better job to keep Americans healthy. As a result the law, the Department of Health and Human Services has been partnering with doctors, nurses, hospitals, and other medical providers to help patients get the best care anywhere.
Accountable Care Organizations, or ACOs, are one of these new ways for doctors, hospitals, and other providers to be rewarded based on the quality of care they provide for patients, not just on how many tests they order or how many procedures they do.
Today, HHS announced 27 new ACOs have joined this partnership – and over 150 more potential ACOs have submitted an application to begin in July. There is enthusiasm and energy behind this program from all parts of the country, from all parts of the health care sector.
Already, 32 “Pioneer ACOs” representing health care groups with experience coordinating care for patients have been participating in a special demonstration program since the beginning of the year to improve Medicare beneficiaries’ health and experience of care, and reduce growth in health care spending.
- Posted byon April 3, 2012 at 2:23 PM EDT
If you’ve followed the public discussion of the Affordable Care Act, you probably have become accustomed to seeing the use of estimates from the Congressional Budget Office (CBO).
At the time that the Affordable Care Act passed, and a year later, CBO estimated that the health care law in its entirety would reduce the Federal budget deficit over the next decade. And this week, a new report from the Government Accountability Office found that the Affordable Care Act “would have a major effect” on reducing the deficit if implemented as intended.
This year, CBO also updated estimates for parts of the health care law. They project that:
- The cost of the coverage provisions will be $50 billion lower from 2012 through 2021 when compared to last year’s estimates, and
- Private health insurance premiums will be 8 percent lower in 2021 than CBO projected last year.
But some opponents of the law are using this new analysis to claim that the cost of the law has doubled to $1.7 trillion. This claim is false. Here’s why:
The “new math” from opponents of the health care law does not compare the old and new estimates for the same time period. It does not adjust for population growth. It does not take into account inflation. And, most importantly, it is incomplete: it does not count provisions in the Affordable Care Act that save money over time – and which led CBO to conclude that the law would be fully paid for.
Instead, critics are comparing a 10-year cost estimate to an 8-year cost estimate and characterizing the fact that it is larger as a shocking new finding.
This is simply bad math. But you don’t have to take my word for it. Instead, check out what CBO has to say when they responded to the claim that the cost of the Affordable Care Act had increased:
“Some of the commentary on those reports has suggested that CBO and JCT have changed their estimates of the effects of the ACA to a significant degree. That’s not our perspective…
“For the provisions of the Affordable Care Act related to health insurance coverage, CBO and JCT’s latest estimates are quite similar to the estimates we released when the legislation was being considered in March 2010. . . . Although the latest projections extend the original ones by three years (corresponding to the shift in the regular 10-year projection period since the ACA was first being developed), the projections for each given year have changed little, on net, since March 2010.”
- Posted byon April 3, 2012 at 2:07 PM EDT
The President believes this is a make or break moment for the middle class and those working to reach it. That’s why he has put forward a blueprint for an economy built to last - one where everyone gets a fair shot, everyone does their fair share, and everyone plays by the same rules.
Today at the Associated Press Luncheon, the President discussed how his vision differs with the radical vision laid out in the House Republican Budget:
“This Congressional Republican budget, however, is something different altogether. It’s a Trojan Horse. Disguised as deficit reduction plan, it’s really an attempt to impose a radical vision on our country. It’s nothing but thinly-veiled Social Darwinism. It’s antithetical to our entire history as a land of opportunity and upward mobility for everyone who’s willing to work for it – a place where prosperity doesn’t trickle down from the top, but grows outward from the heart of the middle class. And by gutting the very things we need to grow an economy that’s built to last – education and training; research and development – it’s a prescription for decline.”
The President’s approach to reducing our deficit is a balanced approach that asks the wealthiest to pay their fair share, achieves significant health savings and enacts sensible spending cuts while making the investments we need to have a strong middle class.
Take a look at how the President’s approach and the Congressional Republican policies stack up side by side:
- Posted byon March 29, 2012 at 3:15 PM EDT
Ed note: This interview with Dr. Jill Biden by Mary Ellen Flannery originally appeared on the website for the National Education Association. This excerpt has been reposted with their permission.
Suddenly, it seems everybody, including President Obama, is talking about community colleges and their vital role in creating trained workers for American jobs in manufacturing, health services, education, and more. But Dr. Jill Biden, wife to Vice President Joe Biden, has known for years that community colleges provide a low-cost, high-quality education for millions of Americans. That’s because Biden has a front-row seat at Northern Virginia Community College, where she has taught English as an adjunct professor since 2009. Recently Biden, an educator with more than 30 years of experience, conversed with NEA Today on issues ranging from college accessibility to her summer reading list.
Q: When President Obama visited your campus (Northern Virginia Community College) in February, he told students, “The truth is that the skills and training you receive here will be the best tool you have to achieve the American Promise.” How is this true? What do you think your students aspire to – and how does the time that they spend in community college classrooms help them achieve those dreams?
Dr. Biden: For the last 18 years, I have seen firsthand the power of community colleges to change lives. I have welcomed students to my classroom from a wide variety of educational, economic, and cultural backgrounds, and I have seen how the community college system offers them the same path of opportunity.
I have students who attend classes on top of a full-time job. I teach moms who are juggling jobs and child care while preparing for new careers. I have many students working toward attending a four-year university.
Community colleges connect the dots – granting two-year degrees, providing new skills training and certification, and providing an affordable path for those who want to move on to a four-year university.
- Posted byon March 29, 2012 at 12:11 PM EDT
David Lutz is a community pharmacist from Hummelstown, PA, and the story he tells of his customers not being able to afford their prescription medications has unfortunately been too common in communities across the nation. But the Affordable Care Act is already helping turn their difficult situation around.
For years, David says, many of his customers have come in and asked him which of their prescriptions they could skip or which pills they could cut in half. They needed to make tough choices to save money on prescription drug costs. This was especially true for seniors on fixed incomes and unable to keep up with rising health care costs. Some of them were choosing between their rent and their medicines.
“They were splitting pills, taking doses every other day, missing doses, stretching their medications,” he says, noting that not taking their medications as prescribed was not good for their health.
But, according to David, this has begun to change since the passage of the Affordable Care Act. The new health care law provides important relief to seniors, including a 50 percent discount on brand-name prescription drugs for those in the coverage gap known as the “donut hole.” The donut hole will be closed for good by 2020.
- Posted byon March 28, 2012 at 5:44 PM EDT
Tomorrow, Congress has a real opportunity to do right by the American people. In response to President Obama’s repeated call to end the unwarranted tax breaks for big oil companies – which cost the American taxpayers billions of dollars each year – Congress will vote on a bill that could end these subsidies once and for all.
There are a lot of tough issues that come before Congress each year. This is not one of them. After all, these are tax breaks that oil companies don’t need and that we can’t afford. It should be a no brainer.
The United States has been subsidizing the oil industry for a century. President Obama believes that’s long enough. In fact, some of the oldest tax breaks for the oil companies date back to 1913 – a time when there were only 48 states in the Union and Ford was still producing the Model T.
After 100 years, there’s no reason for Congress to keep these subsidies on the books, especially right now. Today, as American families all across the country are feeling pain at the pump, the oil industry is posting record profits. In 2011 alone, the three largest American oil companies made a combined profit of more than $80 billion, or more than $200 million per day.
Now, we don’t begrudge companies for being successful in America. We want them to thrive and grow. But we also have to get our priorities straight. We have to invest in our future, not subsidize the past. Yet in the latest budget proposal by House Republicans, they want to keep the billions in tax breaks for oil companies in place while slashing discretionary investments in clean energy programs by nearly half. That just doesn’t make sense.
So the question that Congress needs to ask itself this week is simple: at a time when oil companies are making more money than ever before, how can we justify giving them billions more in taxpayer subsidies every year? And if Congress doesn’t vote to eliminate these tax breaks now, then when? How much bigger do oil company profits need to be? How many more years will the American people have to wait? This is a perfect example of an issue that makes Americans so cynical about Washington.
- Posted byon March 28, 2012 at 2:49 PM EDT
Dr. Jill Biden was at the Mercer County Community College in New Jersey this morning, the latest stop in her “Community College to Career” tour. Last month, Dr. Biden and Secretary of Labor Hilda Solis hit the road for a bus tour through Ohio, Kentucky, Tennessee, and Virginia where they visited community colleges that have formed innovative partnerships with local business leaders to train students with the skills they need to join the area workforce.
Employers today are looking for skilled, educated workers, and they should be able to find those workers right here in the United States. Adam Dalton, a machine shop instructor at the Tennessee Technology Center in Harriman, Tennessee, said that “I have people calling me every week saying ‘I need guys and gals with this skillset, and we need them now.’”
Secretary Solis said that community colleges are becoming more adept and more agile at listening to the needs of local businesses, and are helping pair trained workers who need jobs with the employers who are looking to hire.
- Posted byon March 24, 2012 at 5:50 AM EDT
President Obama is calling on the House of Representatives to pass a bipartisan transportation bill that would repair crumbling roads and bridges and support construction jobs in communities all across America. According to a new report, 90 percent of these construction jobs are middle class jobs. The Senate passed the bill with the support of Democrats and Republicans because if the bill stalls in Congress then constructions sites will go idle, workers will have to go home, and our economy will take a hit.
- Posted byon March 23, 2012 at 11:55 AM EDT
Before the Affordable Care Act was signed into law, insurance companies had free rein to deny coverage or charge higher rates to anyone who had what they considered to be a “pre-existing condition.” These conditions include everything from asthma to high-blood pressure to cancer—some plans even consider pregnancy to be pre-existing. Today, however, insurers are banned from denying coverage to children with pre-existing conditions, and beginning in 2014, that ban will prevent insurers from discriminating against anyone based on their medical history.
Until that piece of President Obama’s health reform law takes effect, the Affordable Care Act established a temporary Pre-Existing Condition Insurance Plan, which give people are uninsured because of pre-existing conditions access to coverage. More than 50,000 people have obtained coverage through that plan, like James from Katy, Texas, who found himself with no health insurance after being diagnosed with brain cancer.
For more information:
- See how health reform is helping people in your state
- MarkCare: How health reform is making health insurance more affordable for small businesss
- StevenCare: How health reform enables Steven, a 23-year-old, two-time cancer survivor, to keep the insurance he needs
- HelenCare: How health reform is giving Helen, a senior from Philadephia, peace of mind and more money in her pocket
- VanessaCare: How health reform is helping Vanessa and her family
- Posted byon March 23, 2012 at 11:42 AM EDT
Each day this week, you’ve heard stories about what the new health care law means for every day people. Today, March 23, marks the second anniversary of the Affordable Care Act, and three remarkable women share their stories about how the new health care law is affecting their lives and the lives of their families. They are truly the faces of the Affordable Care Act, representing the millions of Americans already benefiting from health care reform and looking forward to full implementation of the consumer protections in the health care law in 2014.
Alycia Steinberg’s family was stunned when the pediatrician told them last fall that 2-year-old Avey had leukemia. Her first hospital stay at Johns Hopkins cost $100,000 and she has 2 ½ more years of chemotherapy ahead of her. “Being uninsured is not an option for my family,” Alycia says.
The Affordable Care Act protects Avey’s health insurance coverage because it bars insurance companies from denying coverage to children for pre-existing conditions.
“Childhood cancer is cruel. To have to worry about how your child will get treatment and how you will maintain your family’s most basic financial security is also cruel. ...When discussing health reform, we often talk about our goal of protecting the most vulnerable among us. What we forget is that we are all vulnerable,” Alisha says.
- Posted byon March 23, 2012 at 11:16 AM EDT
The Ohio State University in Columbus was President Obama's final stop on this week's energy tour. It's home to the Center for Automotive Research, a hotbed of innovation in the fields of energy production and advanced vehicles.
There, President Obama had a chance to see the Buckeye Bullet -- an electric car that has already traveled at speeds in excess of 300 miles per hour. Engineers at the school told him that they're now aiming to design the vehicle so that it's capable of going more than 400 miles per hour.
Today, Buckeye Bullet is already the fastest electric car in the world, and at OSU, they're aiming to make it even faster. President Obama said that kind of ingenuity is "essential to American leadership."
He told the Columbus crowd:
[As] long as I’m President, we are going to keep on making those investments. I am not going to cede the wind and solar and advanced battery industries to countries like China and Germany that are making those investments. I want those technologies developed and manufactured here in Ohio, here in the Midwest, here in America. By American workers. That's the future we want.
As for the Buckeye Bullet, the President also promised that his daughter Malia, who will turn16 in a couple of years, will never drive 300 miles per hour, despite the vehicle's impressive success.
- Posted byon March 22, 2012 at 3:20 PM EDT
Ed note: This originally appeared on the Consumer Financial Protection Bureau blog
It can be hard to understand the language of financial products and services. Just what exactly is a grace period? What about an ARM? A balloon payment? And while the Internet can serve up an answer, how can you be sure it’s the right one?
Ask CFPB, a new interactive online tool from the Consumer Financial Protection Bureau (CFPB), can help.
Say you’re thinking about buying a home. You could type in a question to Ask CFPB’s search box, or you could browse the list of questions in the Mortgage category. Once you’ve done a search, you can also filter by topic, like “fees” or “closing,” or by populations, like servicemembers, students, and older Americans.
Ask CFPB contains three general categories of questions and answers:
- Definitions: Financial products and terms are often described in industry jargon. Ask CFPB translates the jargon into clear definitions. You can get answers to questions like, “What is a credit report?” or “What is a reverse mortgage?”
- Explanations: Financial products can include many complicated terms and features, and it can be difficult for you to understand how they work. Ask CFPB provides you with general information and explanations on terms and features of financial products.
- Situations: Ask CFPB arms you with information and tips to help you navigate various situations. For example, you can use to the tool to ask, “What if my lender quoted me one rate at application but raised it at closing?”
Ask CFPB also lets you provide feedback. You can rate an answer “Helpful,” “Too long,” “Confusing,” or “Incorrect.” And if you don’t find the answer you’re looking for, you can submit a question for consideration.
- Posted byon March 22, 2012 at 12:42 PM EDT
We met Nathan and his son, Thomas, in 2009. Thomas was born with hemophilia, and he hit lifetime limits on his health coverage with two different insurance companies before he turned seven years old. Two years ago, Nathan was hopeful about what the Affordable Care Act would mean.
Last week we spoke with Thomas’s family again and they made it clear: Health reform has improved their quality of life. It means they can focus on making sure Thomas has the best possible care. It's changing their lives for the better.
Thomas is not alone. He's just one of the 105 million Americans who no longer has lifetime dollar limits on his coverage.