President Joe Biden on Thursday announced new steps to protect consumers who buy short-term health insurance plans that critics say amount to junk.
A new rule finalized by the Democratic president's administration will limit these plans to just three months. And the plans can only be renewed for a maximum of four months, instead of up to the three years that were allowed under Biden's predecessor, Republican Donald Trump.
The Biden administration is also requiring short-term plans to provide consumers with clear explanations of the limits of their benefits.
The White House said the rule is part of Biden's efforts to reduce costs for consumers, which he has been promoting extensively as he seeks reelection in November.
“The president really believes the American people do not want to be taken for suckers and junk insurance takes them for suckers,” Neera Tanden, Biden's domestic policy adviser, said during a call the White House arranged to discuss the rule with reporters.
FILE - President Joe Biden speaks at a campaign event at El Portal restaurant, March 19, 2024, in Phoenix. (AP Photo/Jacquelyn Martin, File)
Short-term insurance is meant to be temporary, providing a safety net for consumers as they transition between jobs, for example, or retire before they are eligible for Medicare.
But short-terms plans — critics call them “junk insurance” — too often mislead consumers into thinking they were buying comprehensive health coverage, Tanden said. Consumers would later be surprised to learn when they tried to use the insurance that their benefits were capped or certain coverages were not provided.
Tanden said Trump and other Republican-elected officials undermined the Affordable Care Act by allowing insurance companies to exploit loopholes and sell short-term plans that often leave consumers surprised when confronted by thousands of dollars in medical bills.
The ACA was signed into law in 2010 by President Barack Obama. Biden and his administration have spent this week marking the 14th anniversary of the landmark law's enactment.
Short-term plans were expanded in 2018 during the Trump administration as a cheaper alternative to the Affordable Care Act's costlier comprehensive insurance. Trump, who had promised to repeal and replace the law, has praised short-term plans as “much less expensive health care at a much lower price.”
In 2020, a divided federal appeals court upheld the Trump administration’s expansion of short-term health insurance plans.
The U.S. Court of Appeals for the District of Columbia Circuit said the Trump administration had the legal authority to increase the duration of the health plans from three to 12 months, with the option of renewing them for 36 months. The plans do not have to cover people with preexisting conditions or provide basic benefits like prescription drugs.
WASHINGTON (AP) — President Joe Biden and Israeli Prime Minister Benjamin Netanyahu have long managed a complicated relationship, but they're running out of space to maneuver as their views on the Gaza war diverge and their political futures hang in the balance.
Their ties have hit a low point as Biden holds up the delivery of heavy bombs to Israel — and warns that the provision of artillery and other weaponry also could be suspended if Netanyahu moves forward with a widescale operation in the southern Gaza city of Rafah.
Netanyahu, for his part, is brushing off Biden’s warnings and vowing to press ahead, saying, “If we have to stand alone, we will stand alone.”
“If we need to, we will fight with our fingernails. But we have much more than fingernails,” he said.
Biden has long prided himself on being able to manage Netanyahu more with carrots than sticks. But the escalation of friction over the past seven months suggests that his approach may be long past its best-by date.
With both men balancing an explosive Mideast situation against their own domestic political problems, Netanyahu has grown increasingly resistant to Biden’s public charm offensives and private pleading, prompting the president's more assertive pushback in the past several weeks.
“If they go into Rafah, I’m not supplying the weapons that have been used historically to deal with Rafah, to deal with the cities, that deal with that problem," Biden said in a CNN interview Wednesday, laying bare his growing differences with Netanyahu.
Biden aides nonetheless insist the president is unwilling to allow the U.S.-Israel relationship to truly rupture on his watch. They cite not only the political imperative — many Americans agree with the current level of support to Israel, or think the U.S. should do more — but also Biden’s personal history with the country and his belief in its right to defend itself.
The president's aides, watching how pro-Palestinian protests have roiled his party and the college campuses that have been breeding grounds for Democratic voters, have mused for months that Biden could be the last classically pro-Israel Democrat in the White House.
Their optimism about their ability to contain Netanyahu may be falling into the same trap that has vexed a long line of American presidents who have clashed with the Israeli leader over the decades.
White House national security spokesman John Kirby on Thursday declined to say whether Biden informed Netanyahu of his decision to suspend shipment of 3,500 bombs when the leaders spoke earlier this week. But he said Biden has been “direct and forthright” with Netanyahu about his concerns.
Biden and Netanyahu have known each other since Biden was a young senator and Netanyahu was a senior official in Israel's embassy in Washington.
They've hit rough patches before.
There were differences over Israel building settlements in the West Bank during Barack Obama's administration when Biden was vice president. Later, Netanyahu vehemently opposed Biden's push to resurrect the Iran nuclear deal sealed by Obama and scrapped by Donald Trump. Netanyahu chafed at Biden prodding him to de-escalate tensions during Israel's bloody 11-day war with Hamas in 2021.
The leaders went more than a month earlier this year without talking as Biden's frustration with Netanyahu grew over the humanitarian crisis in Gaza.
The relationship remained workable despite such differences between the center-left Democrat and the leader of the most far-right coalition government in Israel's history.
But with the Biden-Netanyahu relationship now coming under greater strain than ever before, it is unclear how the leaders will move forward.
Netanyahu is caught between public pressure for a hostage deal and hard-liners in his coalition who want him to expand the Rafah invasion, despite global alarm about the harm it could do to some 1.3 million Palestinians sheltering there. He's made clear that he will push forward with a Rafah operation with or without a deal for hostages.
The Israeli leader vowed to destroy Hamas after its Oct. 7 rampage in southern Israel in which 1,200 people were killed and some 250 were captured and taken hostage. But his public standing has cratered since then, as he faces pressure to find a pathway to a truce that would bring home the remaining hostages and the remains of Israelis who have died in captivity.
He's resisted an investigation into what led to the intelligence and military failures leading up to the Hamas attack. All the while, he's still facing legal problems, including a long-running corruption trial in which he is charged with fraud and accepting bribes.
Netanyahu’s political survival may depend on the Rafah offensive. If he reaches a hostage deal that stops short of conquering Rafah, hardliners in his coalition have threatened to topple the government and trigger new elections.
“To keep his partners on board and prevent them from pre-empting an election, in which Likud will be decimated and he will be turned out of office, he needs to keep the ‘total victory’ myth alive – and that is only possible by avoiding a deal with Hamas,” wrote Anshel Pfeffer, a columnist and author of a Netanyahu biography, in the Haaretz daily.
Aviv Bushinsky, a former spokesman and chief of staff for Netanyahu, said the Israeli leader remains focused on the war’s primary goal – defeating Hamas – because of concerns about his image and legacy.
He said Netanyahu has spent his career branding himself as the “tough guy on terror.”
“He thinks this is how he will be remembered. He’s been promising for a decade to cream Hamas," Bushinsky said. “If he doesn’t, in his mind he’ll be remembered as the worst prime minister of all time.”
Biden, meanwhile, faces mounting protests from young Americans, a segment of the electorate critical to his reelection. And he's faced backlash from Muslim Americans, a key voting bloc in the battleground state of Michigan. Some have threatened to withhold their votes in November to protest his administration's handling of the war.
Vermont Sen. Bernie Sanders, a Biden ally who has been frustrated by the administration’s handling of the war, said Thursday Biden should go further and suspend delivery of all offensive weaponry to Israel.
“The United States does and should stand by its allies, but our allies must also stand by the values and the laws of the United States of America,” Sanders said. “We must use all of our leverage to prevent the catastrophe in Gaza from becoming even worse.”
At the same time, Biden is facing bruising criticism from Republicans, including presumptive 2024 GOP presidential nominee Trump, who say that his decision to hold back weapons is a betrayal of an essential Mideast ally.
“What Biden is doing with respect to Israel is disgraceful. If any Jewish person voted for Joe Biden, they should be ashamed of themselves. He’s totally abandoned Israel,” Trump told reporters on Thursday.
Idaho Sen. Jim Risch, the top Republican on the Senate Foreign Relations Committee, said Biden's move is “simply a nod to the left flank” that is handing “a great victory to Hamas.”
Friction between the U.S. and Israeli leaders is not without precedent.
President George H.W. Bush and Israeli Prime Minister Yitzhak Shamir’s relationship was strained as the Republican administration threatened to withhold $10 billion in loan guarantees to thwart new settlement activity in the West Bank. Obama and Netanyahu's relationship was marked by mutual distrust over the Democrat's effort to reignite the Middle East peace process and forge the Iran nuclear deal.
“There were always workarounds if the heads of government really don’t get along. We may get to that,” said Elliot Abrams, a senior national security official in the George W. Bush administration. “But of course, this may be a sort of problem that solves itself in that one or both of them may be gone from office" in a matter of months.
AP writers Mary Clare Jalonick in Washington and Adriana Gomez Licon in Miami contributed reporting. Frankel reported from Jerusalem.
FILE - Israeli Prime Minister Benjamin Netanyahu speaks as he meets with President Joe Biden, Oct. 18, 2023, in Tel Aviv. Biden and Netanyahu have long managed a complicated relationship. But now they find themselves running out of space to maneuver as their interests diverge and their political futures hang in the balance. (AP Photo/Evan Vucci, File)
