Biden/Harris Successes For The American Dream

Biden/Harris never gave up fighting for the American Dream.  Let’s look at his many successes against Big Money for us regular Americans!

Historic $90 Billion Investment In High Speed Internet

Biden/Harris are investing $90 billion into high-speed internet (100 megabits per second download and 20 megabits per second upload speed) over the next 10 years for Americans in underserved rural areas.

 Fighting Family & Child Poverty

• Biden/Harris passed a Child Tax Credit during the pandemic that cut taxes for millions of families and cut child poverty in half.
• They want to bring back that expired tax credit.
• Biden/Harris are fighting the high-cost, short term loans pay-day lenders push on poor people and their repeated bank charges that cause excessive overdraft fees.

Improving Nursing Homes

• Biden/Harris have set up minimum nurse and aide staffing ratio requirements for nursing homes for the first time.
• 4 out of 5 nursing homes will have to hire more staff to meet the new standards.
• They have required nursing homes to always have a registered nurse

Eliminating Hidden Junk Fees & Bank Overdraft Fees

• at airlines
• at hotels and resorts
• at apartment rentals (to pay fees online, sort mail or collect trash, etc.)
• at car rentals and car dealerships
• at cable providers
• at auto dealers
• at online ticket sellers like Live Nation and Ticketmaster

This Biden/Harris crackdown has already saved consumers billions of dollars.

• Starting Fall 2024, they required airlines to automatically offer cash refunds instead of just giving a credit for future flights when they cancel flights or delay flights more than 3 hours and you turn down the rebooked flight offer.
• Biden/Harris got most of the large airlines to provide meals or hotels when they cancelled or significantly delayed flights.
• Because of Biden/Harris proposing capping overdraft fees at $3, nearly 2/3 of large banks have eliminated overdraft or bounced check fees.
• In 2019 alone, Americans paid $12.6 billion in overdraft fees.
• Because of Biden/Harris, bounced check fees are down more than 86% since 2021—saving Americans billions of dollars.
• Biden/Harris made companies refund $140 million for illegal junk fees like overdraft fees and multiple bounced check fees for the same transaction.

 Fighting Greedy Credit Cards

• Biden/Harris capped missed or late credit card fees at $8, down from a high of $41 and an average of $32 at some large companies.
• This alone is expected to save Americans $10 billion each year.
• Biden/Harris are making credit card comparison websites tilted to huge banks with very high interest rates to be less deceptive.
• They are also launching a government credit card comparison website that will make the best credit card interest rates far easier to find.

The Biden/Harris crackdown on junk fees is already saving Americans $20 billion a year. 

Biden/Haris stopped credit card companies from considering medical debt in their credit score calculations.

Biden/Harris Record High American Health Insurance Coverage

Biden & Obama made health insurance companies cover people with pre-existing conditions.  Before they passed the Affordable Care Act (ACA), insurance companies would either:

• reject people with expensive illnesses
• charge them extremely high rates for health insurance

Republicans greatly weakened the ACA in many ways, including eliminating federal cost-sharing payments to insurers, forcing health care premiums up.

• This Republican sabotage increased the number of Americans adults between 18 and 64 years old without health insurance from 12% in 2016 to 14% in 2020.

Biden/Harris greatly improved the ACA, making health care far cheaper for regular Americans.

• He expanded the subsidies in the Affordable Care Act and eliminated the low income requirement of less than 4 times the poverty level.
• Biden’s changes kept ACA health insurance prices 50% lower than they would have been otherwise.
• Now a family of 4 earning $45,000 a year can get a standard insurance plan free through the ACA.
• A family of 4 earning $60,000 a year would only pay $1,200 a year!

Because of Biden/Harris, we now have a record low of only 8% of Americans between 18 and 64 years old without health insurance!

• States like New York and Massachusetts are now close to having universal health care!

Wins Over Big Pharma For Regular Americans:

Biden/Harris are fighting to eliminate most medical debt for pennies on the dollar.

Biden/Harris greatly lowered medicine costs for everybody on Medicare.

• In 2024, after the deductible, someone with Medicare never has to pay more than $3,300 for all their medicines the whole year long, no matter how expensive their medicines are!
• In 2025, it gets even better! Those on Medicare won’t ever have to pay more than $2,000 for the whole year.

Biden/Harris lowered the price of insulin to $35 for the vast majority of diabetics.

• He gave everyone on Medicare insulin for $35 a month, instead of $400 a month.
• Biden/Harris forced drug companies to cut most of their insulin prices 75% to $35 a month for most diabetics.
• The latest Biden/Harris budget proposes to cap insulin at $35 for EVERYBODY and curb inflation on all prescription drug prices.

Biden/Harris got 3 major pharmaceutical companies to lower the price of lung inhalers for asthma and COPD to $35 a month.

Biden passed a law letting Medicare negotiate drug prices, something politicians have tried and failed to do for decades. 

• Donald Trump tried to do this for a short time and failed.
• Biden/Harris have already selected the first 10 medicines for reduced pricing, choosing those medicines costing Medicare the very most in total spending.
• This means millions of people will save up to $6,548 per month on very expensive heart, diabetes, arthritis and even cancer medicines.
• It will also save us taxpayers $160 billion in payments to Big Pharma.
• Biden/Harris wants to let Medicare negotiate the prices of 500 drugs over the next 10 years, to save another $200 billion.

Biden/Harris made recommended vaccines free for those on Medicare. 

Biden/Harris eliminated the 5% co-insurance for the catastrophic phase of Medicare.

Biden/Harris gave rebates to people on Medicare getting expensive medicines at hospitals and in doctors’ offices that skyrocketed in cost worse than inflation, saving people up to $449 per 3 months in lower coinsurance.

Biden/Harris passed the PACT Act, helping millions of veterans exposed to toxins who are now fighting over 100 cancers.

In contrast, Republicans are already calling to eliminate all new laws lowering prescription drug prices.

Fighting For Farmers, Ranchers & Renters

• Biden/Harris are fighting greedy, deceptive contracts with false or misleading information that huge corporations force onto farmers and ranchers.
• They are fighting against retaliation for using competing businesses and fighting discrimination in agriculture, livestock, and poultry markets, helping small and mid-size farmers with more choices in food processing, fertilizer, and seed and other agriculture supplies.
• Biden/Harris are fighting landlords who force all renters to pay for broadband internet services even if they don’t want it.

 Fighting For Retirees

A Biden/Harris new rule forces brokers to consider only your financial interest when giving financial advice on retirement accounts.

• This protects retirees from losses from greedy brokers.
• On fixed annuities alone, this will save retirees up to $5 billion a year.

The Largest Investment In Clean Drinking Water ($50 Billion) In American History

This investment includes a large amount of money for identifying and replacing the lead pipes that are poisoning about 22 million Americans across the country.  

Cleaning Up Air & Water Pollution That Kills & Dangerous Hazards

Biden/Harris issued a new rule to force over 200 chemical plants to reduce dozens of toxic chemicals in air that cause cancer, especially in children.

• Experts say these new rules will reduce cancer risk by 96% for people living nearby.

Biden/Harris devoted $50 billion to clean drinking water, the largest investment in clean drinking water in our history.

• $15 billion targets finding and replacing lead pipes.
• Every state has at least 2,800 lead pipelines, about 9.2 million nationwide, affecting nearly 22 million Americans.
• Lead pipes cause cardiovascular disease and kidney problems in adults and reproductive problems in women.
• In children, lead causes brain and nervous system damage, delayed growth and development, speech and hearing impairments, learning disabilities, and behavior problems.

Biden/Harris established the first national limits on forever PFAS chemicals in water that cause fertility, liver, thyroid, and immune problems, developmental delays, and cancers.

• This will reduce exposure for 100 million Americans, prevent thousands of deaths, and reduce tens of thousands of serious illnesses.
• Biden/Harris devoted $9 billion to reduce PFAS in water systems, plus $12 billion for general water system improvements.

Biden/Harris have committed at least $148 billion to fixing environmental hazards like:

• sewage backing up in people’s homes and yards.
• improving air pollution from cars, power and chemical plants, that cause serious illnesses, disabilities and deaths, especially in poor neighborhoods.
• Restricting toxic substances like particulates (soot) in the air, wastewater discharges, mercury gas, coal ash, etc.
• Biden/Harris have reviewed and reinstated over 100 environmental regulations that Trump watered down or removed.
• This will prevent illnesses and save lives.

Fighting Cruel, Predatory Phone Fees For Inmates & Their Families

Biden/Harris established new rules greatly reducing phone charges for inmates and their families.

• 15-minute phone calls will go from $12 to 90 cents.
• Video call rates will drop to about ¼ of current prices.
• This will save inmates and their families, friends, and legal teams about $386 million.
• Several studies show keeping in touch with families during incarceration can reduce inmates ending up back in jail again later on.