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Obama renews PR push for health care law

Gay couple claims $5,200 in savings under Obamacare

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John West, Michael Lappin, gay news, Washington Blade
John West, Michael Lappin, gay news, Washington Blade

John West (left) and Michael Lappin are set to save $5,200 a year under Obamacare. (Photo courtesy of Michael Lappin

For Michael Lappin and his spouse John West, the Affordable Care Act offered critical savings ā€”Ā more than $5,200 a year ā€”thanks to the individual insurance policies they purchased on the Obamacare website.

Amid widespread media attention to the technical difficulties with the Healthcare.gov site, cancelled policies and loss of registration information for enrollment, the Atlanta couple represents one positive experience in accessing health care reform.

In a phone interview with the Washington Blade,Ā Lappin said the couple, who co-founded their own business, STELLAR Mortgage Corp., was previously covered by plans that offered decent but expensive coverage.

“Under the Affordable Care Act, we’re getting new plans,” Lappin said. “We’re switching providers, keeping our same doctor, though, as our primary care physician, and between the two of us, we’re going to save over $5,200 a year on our health insurance.”

Even with the lower cost of the insurance, Lappin said the coupleĀ will enjoy lower co-pays, lower deductibles and lower out-of-pocket costs ā€” all without help of any subsidies offered by the federal government under Obamacare.

Lappin, 44, and West, 49, married in D.C. in 2012, but applied for individual plans because they have yet to file a joint tax return. In the aftermath of the Supreme Court decision on the Defense of Marriage Act in June, Lappin said the couple intends to file jointly next year and may revisit the idea of family coverage.

“I believe the rates are the same if we buy individually or together, so it’s just sending two checks versus one check,” Lappin said. “But I will definitely revisit that once we have joint tax returns and make sure.”

The couple enjoys a positive outcome under health care reform as President Obama makes a renewed push for the law, saying problems with the enrollment website are fixed and healthcare.gov is now working for the vast majority of people.

During an event at the Eisenhower Executive Office Building on Tuesday, Obama touted his signature legislation in front of 19 people who also had positive experiences under health care reform.

“Now that we are getting the technology fixed ā€” we need you to go back, take a look at whatā€™s actually going on, because it can make a difference in your lives and the lives of your families,” Obama said. “And maybe it wonā€™t make a difference right now if youā€™re feeling healthy, but I promise you, if somebody in your family ā€” heaven forbid ā€” gets sick, youā€™ll see the difference.”

As a result of the law, Obama projected that half a million people are poised to gain health care coverage through the health insurance exchanges and the Medicaid expansion beginning onĀ Jan. 1 ā€” some for the very first time.

Rea Carey, executive director of the National Gay & Lesbian Task Force, expressed solidarity with Obama in a statement the next day, saying his law is a “giant step” toward delivering health care to all Americans.

“We stand with the president in his unshakable commitment to this fundamental component of a transformed society,” Carey said. “We also encourage everyone to fully educate themselves on how to access the benefits of the Affordable Care Act.ā€

Upon the initial rollout of healthcare.gov, users reportedly faced numerous problems, including loading difficulties and error messages. Lappin said he and his partner initially had difficulties enrolling via the website, but eventually were able to apply.

“When I would get in, it was glitchy, but over the next probably two weeks or so, I continued to get better and I was able to get in, and get it figured out,” Lappin said.

As he’s gone back to healthcare.gov to make payments and obtain confirmation from HUMANA, his new insurance company, Lappin noticed an increase in the website’s functionality.

“I log back in now and the site seems to work,” Lappin said. “It’s much faster, much quicker, the buttons actually work and do things now. As somebody who’s started Oct. 1 through now, I can tell you, huge improvements to the site.”

Lappin said he and his spouse opted to apply for health insurance through healthcare.gov, the website for the federal exchange, because Georgia doesn’t offer its own state insurance exchange and has no website for enrollment.

LGBT advocates ā€” and the Obama administration ā€” have touted that health care reform provides non-discrimination protections for LGBT people in the health care system. Through regulation, the Obama administration has interpreted the gender protections under the law to apply to sexual orientation and gender identity.

Although he’s claiming significant savings under Obamacare, Lappin said he doesn’t think that’s because of discrimination faced under the previous system.

“We had individual plans, so I don’t think there was any way that anybody could have discriminated against us,” Lappin said. “It didn’t even come up in any kind of underwriting, anything that we know about.”

Mara Keisling, executive director of the National Center for Transgender Equality, praised the non-discrimination protections as essential for trans people seeking health coverage.

“An important message to get out is that trans people and people living with HIV/AIDS can no longer be denied as having pre-existing conditions,” Keisling said.

Keisling said her own organization has benefited under Obamacare, saving about $250 per staff person per month on health insurance costs, or about $15,000 total.

Despite the push to promote Obamacare, most Republicans remain opposed to the law and continue hammering the administration for problems that have emerged since the rollout.

Also in this camp is the Log Cabin Republicans, which previously joined with conservative groups in signing a letter calling health care reform “tyrannical.”

Gregory Angelo, executive director of Log Cabin Republicans, said he’s heard horror stories from members about their efforts at enrolling in healthcare.gov.

“Premiums are going up, some members have had no luck signing up on the website even after making repeated good faith efforts, people have been unable to change their information after it has been entered and connected with their Social Security number,” Angelo said.

Angelo said he couldn’t find a member willing to speak publicly about the problems.

For his part, Obama said during the White House event he’s open to ideas about changing the law, but won’t go back to the way things were before his health care reform was in place.

“Iā€™ve always said I will work with anybody to implement and improve this law effectively,” Obama said. “If youā€™ve got good ideas, bring them to me.Ā  Letā€™s go. But weā€™re not repealing it as long as Iā€™m president.”

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Virginia

Miyares joins efforts to fight Title IX changes

Republican Va. AG part of multi-state effort

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Virginia Gov. Glenn Youngkin listens as Attorney General Jason Miyares addresses an audience at a legislative signing ceremony in the Virginia Capitol on April 5, 2024. (Photo courtesy of Miyaresā€™s office)

BY NATHANIEL CLINE | Virginia Attorney General Jason Miyares has joined a multi-state effort to stop new Title IX rules from going into effect. 

The list of new rules designed to protect victims of campus sexual assaults and the rights of LGBTQ students has come under attack by Republican attorneys general in several states.

Miyares called the changes a ā€œdangerous overhaulā€ of Title IX, and said the new rules would negatively impact students, families and schools in the commonwealth. The ruling also comes after Gov. Glenn Youngkinā€™s administration overhauled the commonwealthā€™s transgender student policies.

ā€œThe Biden administrationā€™s unlawful rule would jeopardize half a century of landmark protections for women, forcing the administrationā€™s social agenda onto the states by holding federal funding hostage,ā€ Miyares said in a statement. ā€œThey are avoiding Congress and the constitutional process because they know it will not pass. We cannot roll back Title IX in the name of false equity.ā€

Virginia Attorney General Jason Miyares at the Virginia State Capitol on Jan. 10, 2024. (Photo by Nathaniel Cline/Virginia Mercury)

Attorney generals from Tennessee, Indiana, Kentucky, Ohio, and West Virginia have also signed onto the suit, which was filed in Tennessee. Separate lawsuits have been filed in other states, including Louisiana and Texas.

Title IX, which has undergone several transformations based on the political party in office, was created to address womenā€™s rights and prohibits any federally funded school or education program from discriminating against any student based on sex since it was established in 1972. 

The Department of Education said some differences compared to the previous version developed under the Trump administration, include protections against all sex-based harassment and discrimination, prohibits schools from sharing personal information, and supports students and families.Ā 

Narissa Rahaman, executive director for Equality Virginia, said in a statement that the rule prevents opponents from weakening ā€œcrucialā€ civil rights protections including for LGBTQ students by ensuring that pregnant and parenting students have a right to equal education opportunities, protecting student survivors and guaranteeing the rights of LGBTQ students to come to school as themselves without fear of harassment or discrimination.

ā€œStudents across races, places, and genders prove every day that they can do great things, especially when there are strong Title IX protections in place, which is why the Biden administrationā€™s updates to the Title IX rules are essential to ensure every student can thrive at school,ā€ said Rahaman.

The new rule is slated to take effect on Aug. 1 and will apply to complaints of alleged conduct that occurs on or after that date, according to the Department of Education. 

Protections

While the ruling protects students and employees from all sex-based harassment and discrimination, it will also impact LGBTQ students and employees, including providing complete protection from sex-based harassment, and prohibiting schools from sharing personal information.

Schools must act ā€œpromptly and effectivelyā€ to protect and treat all students and staff who make complaints ā€œequitably.ā€ Schools must also provide support measures to complainants and respondents, and act to end any sex discrimination in their programs and prevent any recurrence.

The rule further clarifies the definition of ā€œsex-based harassment,ā€ which means to treat someone unfairly because of their gender; and the scope of sex discrimination, including schoolsā€™ obligations not to discriminate based on sex stereotypes, sex characteristics, pregnancy or related conditions, sexual orientation, and gender identity.

The federal agency said the changes will empower and support students and families by requiring schools to disclose their nondiscrimination policies and procedures to all students, employees, and other participants in their education programs so that students and families understand their rights.  

The final rule also protects against retaliation for students, employees, and others who exercise their Title IX rights, and supports the rights of parents and guardians to act on behalf of their elementary school and secondary school children. 

The rule also protects student privacy by prohibiting schools from disclosing personally identifiable information with limited exceptions, which is something the Youngkin administration has opposed. 

Advocates say one of the rights students should have is the power to decide who finds out about their transgender status, to protect them from being bullied or harassed.

Virginia policies

In 2021, the first model policies for trans students were designed under former Gov. Ralph Northam to provide school officials guidance on the treatment of trans and nonbinary students and to protect the privacy and rights of these students. 

However, some schools declined to adopt the model policies, and the state law that led to them lacked enforcement incentives or penalties.

The current policies adopted by the Youngkin administration were revised to require parental approval for any changes to studentsā€™ ā€œnames, nicknames, and/or pronouns,ā€ direct schools to keep parents ā€œinformed about their childrenā€™s well-beingā€ and require that student participation in activities and athletics and use of bathrooms be based on sex, ā€œexcept to the extent that federal law otherwise requires.ā€ 

Virginia schools have also not fully adopted the newly revised policies, and state law has not changed since the policies were overhauled in 2023.

The Virginia Department of Education faces two lawsuits over the policies adopted by the Youngkin administration.

ā€œAll Virginia students, including our transgender and nonbinary students deserve to feel safe and welcomed at schools,ā€ said Wyatt Rolla, a senior trans rights attorney with the ACLU of Virginia. ā€œAccessing restrooms, locker rooms and other facilities that are necessary when you are at school learning is a key part of our schools being inclusive of those transgender [and] non binary students that are part of our community.ā€

Athletics not included

The provisions under the new Title IX rule did not mention anything about requiring schools to allow trans students to play on teams that align with their gender identity. Virginia has taken its own shot at banning trans athletes from competing in sports through legislation.

In February, the Youngkin administration attempted to challenge the Virginia High School Leagueā€™s policy on transgender athletes, the Daily Progress reported. 

The proposed policy would have matched with the administrationā€™s current policies that students should be placed on teams based on their biological sex rather than their gender identity.

The Virginia High School League, which oversees interscholastic athletic competition for Virginiaā€™s public high schools, allows for trans athletes to participate on teams that match their gender identity, but under certain conditions.

Simultaneously, lawmakers in the Virginia General Assembly controlled by Democrats killed bills, including Senate Bill 68, during the previous session that would have essentially banned transgender students from competing in sports.

State Sen. Tammy Brankley Mulchi (R-Mecklenburg), who carried Senate Bill 723, said students like her 6-year-old granddaughter should have a choice to play with their own gender during a Feb. 1 Senate Education subcommittee hearing.

Mulchiā€™s bill would have required schools and colleges to have separate sports for boys and girls based on their biological sex. Any dispute would require a note from a doctor.

ā€œIf she [my granddaughter] wants to play an all-girl sport, I want her to play against girls that were born girls and not play against someone that is much stronger than her or can hurt her and take away her chances of a scholarship,ā€ Mulchi said.

However, state Sen. Stella Pekarsky (D-Fairfax) argued during the February hearing that whether students are competing with their respective biological sex or not ā€œchildren of all ages, sexes have different builds and strengths and no children are alike on the same team.ā€

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Nathaniel Cline

Nathaniel is an award-winning journalist who’s been covering news across the country since 2007, including politics at the Loudoun Times-Mirror and the Northern Neck News in Virginia as well as sports for the Plain Dealer in Cleveland, Ohio. He has also hosted podcasts, worked as a television analyst for Spectrum Sports, and appeared as a panelist for conferences and educational programs. A graduate of Bowie State University, Nathaniel grew up in Hawaii and the United Kingdom as a military brat.

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The preceding article was previously published by the Virginia Mercury and is republished with permission.

Nonprofit. Nonpartisan. No paywalls. Fair and tough reporting on the policy and politics that affect all of us is more important than ever. The Mercury brings you coverage of the commonwealth’s biggest issues from a team of veteran Virginia journalists.

Weā€™re part of States Newsroom, the nationā€™s largest state-focused nonprofit news organization.

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Federal Government

US Census Bureau testing survey on LGBTQ households

Agency proposing questions about sexual orientation and gender identity

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The U.S. Census Bureau headquarters in Suitland, Md. (Photo courtesy of the U.S. Census Bureau)

The U.S. Census BureauĀ is seeking public comment on a proposed test of sexual orientation and gender identity questions on the American Community Survey. The test would begin this summer and continue into next year.

The Census Bureau published the request as a Federal Register notice. In its press release the agency noted that the ACS is an ongoing survey that collects detailed housing and socioeconomic data. It allows the Census Bureau to provide timely and relevant housing and socioeconomic statistics, even for low levels of geography.

As part of the process for adding new questions to the ACS, the Census Bureau tests potential questions to evaluate the quality of the data collected.

The Census Bureau proposes testing questions about sexual orientation and gender identity to meet the needs of other federal agencies that have expressed interest in or have identified legal uses for the information, such as enforcing civil rights and equal employment measures.

The test would follow the protocols of the actual ACS ā€” with one person asked to respond to the survey on behalf of the entire household. These particular questions are asked about people 15 years of age or older. Households are invited to respond to the survey online, by paper questionnaire or by phone.

TheĀ current Federal Register noticeĀ gives the public a final opportunity to provide feedback before the Census Bureau submits its recommendations to the Office of Management and Budget for approval. The public may provide feedback through May 30Ā online.

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Comings & Goings

SBA names Cosme D.C. Small Business Owner of the Year

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Manny Cosme

The Comings & Goings column is about sharing the professional successes of our community. We want to recognize those landing new jobs, new clients for their business, joining boards of organizations and other achievements. Please share your successes with us at: [email protected].

The Comings & Goings column also invites LGBTQ+ college students to share their successes with us. If you have been elected to a student government position, gotten an exciting internship, or are graduating and beginning your career with a great job, let us know so we can share your success.Ā 

Congratulations to Manny Cosme, owner of CFO Services Group, who was named Small Business Owner of the Year, for Washington, D.C., by the Small Business Administration.Ā 

SBA Administrator Isabel Castillas Guzman said, ā€œOur 2024 National Small Business Week award winners exemplify excellence, innovation, and commitment, and the SBA is proud to showcase their incredible achievements and impact on their communities and our economy.ā€ Upon being notified of the award Manny said, “I am incredibly honored and humbled to receive the Small Business Owner of the Year award from the Small Business Administration. This recognition serves as a testament to my teamā€™s hard work, dedication, innovation, and impact in our local community.  As a small business owner, I have always strived to embody excellence in my companyā€™s services and commitment to my clients. My team and I are proud to represent the thriving small business communities across the country, and we remain committed to driving innovation, growth, and positive change in our industry.”

Cosme is the founder and current president and CEO of CFO Services Group. The firm is focused on providing bookkeeping, outsourced accounting departments, and fractional CFO advisory services, to growing small businesses and non-profit organizations. The company is headquartered in D.C., with team members and clientele throughout the United States. In addition to working with private business and non-profit clients, CFO Services Group partners with various economic development agencies, such as local governments, chambers of commerce organizations, CDFIs and SBDC centers, to provide free financial literacy and technical assistance to businesses in underserved communities. 

Manny has served as the Vice President of Finance & Administration for the United States Hispanic Chamber of Commerce. He recently served as the Finance Chair for the Greater Washington Hispanic Chamber of Commerce, and Vice President of the Equality Chamber of Commerce. He is often sought after in keynote discussions on entrepreneurism and finance for fellow business owners. 

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