The Most Horrifying Provisions Hidden in the House Republican Tax Plan

Yesterday, House Republicans released their tax plan, finally providing long-awaited details on what they really mean when they promise “tax reform.” While they billed it as a middle-class tax cut, the new legislation is filled with gifts for wealthy corporations and the richest Americans. Meanwhile, middle-class and working families would at best get scraps—and in many cases, see their taxes increase.

Many of the most extreme tax increases come in the form of eliminated tax credits or deductions buried deep in the text of the bill—and ignored by lawmakers and the media. With tax increases affecting groups ranging from seniors and people with disabilities, to families facing costly medical bills, to immigrant children, to people with student loans—to name just a few—the bill is a virtual laundry list of tax increases on populations who are often struggling to make ends meet.

Here are eight of the most horrifying provisions buried in the tax plan.

1. It raises taxes for people with student loans

Americans now owe more than $1.4 trillion in student loan debt—nearly double all credit card debt. The average monthly payment is up to $351 (or more than $4,200 a year) for borrowers between the ages of 20 and 30—a large chunk of income for young Americans.

Thankfully, under current law, borrowers can deduct up to $2,500 of the interest on these loans per year, which helped more than 12 million Americans in 2015. But the House tax plan eliminates that deduction. If the plan passes, the average borrower will see their taxes go up by $275 each year just on student loan interest. And a borrower who pays the full $2,500 in interest would see their taxes go up even more—by a whopping $625.

Americans owe more than $1.4 trillion in student loan debt—nearly double all credit card debt

2. It raises taxes on people facing high medical expenses

Under current law, people are able to deduct medical expenses that exceed 10 percent of their income for the year. This benefits thousands of people facing serious illnesses or with long-term care needs—and gives them some financial relief in the face of high medical bills.

But the House Republican plan eliminates that deduction, too. This will hit people with disabilities as well as elderly nursing home residents particularly hard, as they often pay tens of thousands of dollars in out-of-pocket costs for long-term care. Much like their earlier plan to repeal the Affordable Care Act, the change is also aimed directly at states that supported Donald Trump in the 2016 election, where residents are more likely to be uninsured and have higher medical costs.

3. It ends a tax credit that helps parents adopt

For thousands of adoptive parents, adoption is only possible because of the adoption tax credit, which helps parents recoup up to $13,000 of the cost of adoption. House Republicans would eliminate the adoption tax credit, making it harder for countless would-be parents to have children. There are more than 100,000 children in U.S. foster care today (not to mention millions more orphaned or abandoned), and eliminating the credit would make it significantly harder for them to find a permanent home.

4. It makes disability accessibility more expensive for small businesses

Under current law, small businesses can claim a tax credit to offset 50 percent of the cost of accessibility for people with disabilities for expenses between $250 and $10,250. But the House GOP tax bill would eliminate that tax credit, effectively raising taxes on small businesses trying to make sure their doors are open to people with disabilities. This comes as legislation currently pending in the House—misleadingly titled the “ADA Education and Reform Act of 2017”—would gut the very part of the Americans with Disabilities Act that requires public places to ensure accessibility for people with disabilities.

5. It eliminates a tax credit that spurs investment in poor communities

Trump has repeatedly promised to save and bring back jobs in communities left behind. But the House Republican tax bill would eliminate a tax credit that encourages businesses to invest in hard-hit rural and urban areas. Investors who qualify for the New Markets Tax Credit get a tax credit to partially offset their investments in distressed communities where the poverty rate is 20 percent or higher. The vast majority of the tax credit’s funding has benefited communities with unemployment rates more than 1.5 times the national average and/or poverty rates of at least 30 percent.

6. It allows churches to be manipulated for political purposes

Under current law, 501(c)3 nonprofit organizations—including churches—are prohibited from endorsing or opposing political candidates. Trump has long made known his desire to repeal this policy, known as the Johnson Amendment—as far back as the early 2000s, as well as throughout his presidential campaign—claiming it violates churches’ First Amendment rights. And hidden in the House GOP tax bill is a provision that would make good on Trump’s promise, despite the fact that nearly 80 percent of Americans say they do not support political endorsements in church. As a letter from more than 4,000 faith leaders opposing this change states: “Faith leaders are called to speak truth to power, and we cannot do so if we are merely cogs in partisan political machines.”

Buried in House Republicans’ tax bill is their latest effort to advance the GOP’s anti-choice agenda

7. It takes away critical income from immigrant families with kids

While House Republicans are busy patting themselves on the back for including modest enhancements to the Child Tax Credit (CTC) in their tax bill, they have changed the credit so that many immigrant families with citizen children will not be able to receive it. The bill would require all filers to provide a Social Security number, instead of an Individual Tax Identification Number, which immigrant workers with qualifying citizen children can currently use to claim the credit. According to the nonpartisan Institute on Taxation and Economic Policy, more than 5.1 million children of immigrant parents would lose access to the CTC under this provision.

8. It gives fetuses legal status as people

Buried in House Republicans’ tax bill is their latest effort to advance the GOP’s anti-choice agenda. Specifically, they use a provision in the bill that would allow parents to buy 529 college savings plans for unborn children as a smoke screen to, yet again, try to give fetuses legal status as people. The provision goes out of its way to define unborn child as a “child in utero … a member of the species homo sapiens, at any stage of development, who is carried in the womb.” This comes on the heels of Trump’s Department of Health and Human Services’ strategic plan draft released last month, which bent over backwards to define life as beginning at conception.


First Person

The House Tax Plan Would Make It Impossible For Me to Have Kids

Yesterday, Congressional Republicans released their new tax plan. The New York Times picked it up early, with a headline announcing that it focuses on “cutting corporate and middle-class taxes.” When I saw it, I couldn’t help myself—I actually thought, “Hey, I’m middle-class.” So I clicked the link.

That brief moment of optimism—the hope that maybe, just maybe, House Republicans had done something that would help me—didn’t last long. Turns out they aren’t particularly worried about this middle-class lady. The dreams I’ve held closest to me—the ones I want so desperately that I can barely even admit them to myself—could be completely dashed by this plan.

My wife doesn’t dream in secret like I do. She’s pretty transparent. And what she wants, more than anything, is to be a parent.

Deep down, she’s a dad. She thinks instructions are for quitters, she plays air guitar while she dances, and she laughs—hard—at her own jokes. She asks me every time she puts on sunglasses if she looks “like a cool kid,” and I once watched her use finger guns as an earnest form of praise for someone who had just finished a particularly difficult parking job. (It was on our wedding day. I married her anyway.)

I always thought of her weird-dad behavior as an eccentricity. It’s sweet that she manages our budget for fun, that she wants to be the house with the best candy on Halloween, and that she’ll spend an entire dinner party trying to hang a friend’s bike rack. But this year, something started to shift. She started to really want a baby to go with all of those paternal affectations.

At first she’d just make faces at little kids that were staring her down. Then she started to get wistful any time she saw a baby with unruly hair. And earlier this week, she came home from the grocery store yelling that we needed to move because our house barely got any trick-or-treaters, but there were dozens of little kids in costumes just two blocks up.

I always knew in the back of my mind that this was going to happen. I was ambivalent about kids, but I could tell—even when she swore it wasn’t true—that my wife needs to be a parent. So, we started to factor those imaginary future kids into our choices. We bought a little house with too many bedrooms in a good school district. We got a car with extra room in the back, and a dog with a particular soft spot for babies.

This summer, I started to feel it, too. It snuck up on me—I was sitting on my sofa, laptop in my lap, and I suddenly found myself wishing that there was a sleeping infant on my chest. I texted my wife and told her I was ready to adopt.

That’s just the first step in a years-long process. When you’re queer, having a baby is complicated. Just finding one—whether you’re looking for raw ingredients or a finished product—is extremely expensive.  But there are actually breaks written into the tax code that help us out: little gifts from a government that has spent generations marginalizing families like ours. Need in vitro fertilization to conceive with your donor sperm? You can deduct some of the medical expenses from your tax bill. Plan to adopt? There’s a sizable credit to make it affordable.

The deductions and credits that would have made it possible for me to have a child? They’re gone.

Except, now there isn’t. The House Republican tax plan is filled with delicious treats for the wealthy: repealing the estate tax, cutting corporate tax rates, and notching down the top income tax rate. And to help pay for it, Congressional Republicans have cobbled together a list of credits to eliminate so obscenely cruel it would make Ayn Rand blush. The credits for individuals over 65 or who are retired on disability are gone, and the deduction for teachers—the one that helped me afford all the pencils and notebooks I bought for my students when I worked in public schools—has vanished. The deduction for paying high local taxes—like the ones my wife and I pay in order to live in that good school district—has been whittled away.

And the deductions and credits that would have made it possible for me to afford having a child? They’re gone, too.

Without those deductions and credits, my wife and I won’t be able to have children. We cannot afford the upfront cost of adopting or conceiving, combined with the costs of preparing to bring a child into our home and the child care we would need for the next several years. We’ve done the math—by the time we scrape the money together, we’ll be too old for most adoption agencies to consider us and it’s unlikely we’ll be able to conceive.

And so, with a single tax bill, House Republicans have denied the love of my life the chance to have the family she desperately wants. And they’ve done it so the loves of their lives—corporations and the ultra-rich—can have something they don’t even need.



The Cost of Addiction Treatment Keeps Poor People Addicted

I can barely remember the day I learned I was pregnant with my first daughter. Not because I was overwhelmed with emotions, but because I was high on heroin. I had been addicted for five years, and I had been trying to rid myself of that addiction for almost as long. I‘ve lost count of how many times I detoxed during that time. I just know that, even when I managed to make it through the week of withdrawal, I inevitably relapsed.

By the time I learned I was pregnant, I knew abstinence didn’t work. I also knew I had to do something if I wanted to have a healthy baby. So, I enrolled in methadone maintenance treatment. My doctor insisted on it—he told me it would keep my body from going through withdrawal, which could have caused a miscarriage. But I almost couldn’t afford it. I was in Colorado, one of 17 states that did not cover methadone through Medicaid or state funds. Luckily, I was able to get my treatment paid for through grant money specifically designated for pregnant methadone patients.

Because of that grant, I never had to worry about the cost of my treatment. I was able to stand to the side and watch while other patients came into the clinic, begging for an extra couple days to come up with their fee, only to receive the same response from the receptionist: “You could get together money for your drugs, why are you having a problem getting money for treatment?”

I lost count of how many times I heard her say that.

Approximately 2 million people in the United States are addicted to pharmaceutical opiates, and half a million to heroin. The latest report from the Centers for Disease Control and Prevention estimates more than 60,000 overdose deaths in the United States last year. Opioids are now more fatal than car crashes and gun violence. And those numbers don’t include the many people who survive but live with complications such as brain damage for the rest of their lives.

Your brain thinks it’s dying without the drug.

Despite the broad scope of the crisis, data compiled by Rockefeller University’s Addictive Diseases lab show that there are only about 350,000 Americans in methadone treatment, a long-acting opioid agonist An agonist is a chemical that binds to receptors and causes a biological response (in the case of opioids, that response is pain relief). Methadone is an opioid agonist that causes a similar biological reaction to opioids without the euphoric high, preventing the severe physical symptoms of withdrawal. that has historically been the gold standard of care for opioid addiction. Only about 75,000 are in buprenorphine treatment, a newer alternative that is similar to methadone in function and purpose.

There are some basic reasons that so few people receive treatment: More than 30 million people live in counties without a licensed provider of buprenorphine, and the daily process of receiving methadone maintenance treatment at a specialized clinic is incredibly time consuming.

And it’s expensive.

In addition to the limits on Medicaid funding, opioid treatment providers can decide whether or not to accept private insurance. Many decide against it, or contract with just one or two providers, because methadone treatment is difficult to translate into insurance billing terms. Every state provides coverage for buprenorphine/naloxone (naloxone is an additive that prevents abuse of the drug), but patients often have to find cash for treatment regardless of whether the medication itself is covered.

The National Institute on Drug Abuse estimates that the per-patient cost of methadone for providers is $4,700 yearly, but for-profit opioid treatment programs get to decide what they charge their patients. This means the actual cost to patients varies by clinic. Methadone patients I interviewed reported rates that ranged from $350 per month to $200 per week. Buprenorphine patients reported clinic costs between $100 and $300 per month, with medication costs broaching the thousands for those without insurance.

Zac Talbott owns two opioid treatment programs—one in Georgia and one in North Carolina—and is also a methadone patient (through a different provider). He explains to me over the phone that just because Medicaid covers methadone in a certain state, that does not mean the clinics actually accept it. Take Georgia, for example: Although Medicaid has covered methadone for several years, programs that were not directly affiliated with behavioral health entities could not bill Medicaid prior to 2016. Only two clinics met that standard, out of 62 in the state. The rules recently changed, and Talbott’s Georgia clinic, Counseling Solutions Treatment Centers, is now six months into the process of setting up Medicaid billing. He’s unsure how many other area clinics will actually take on the new insurance option.

“[Opioid treatment programs] don’t speak in insurance terms the way the rest of health care does. Insurance bills based on codes. There’s no code for a daily bundled rate,” he explains, referring to the daily or weekly flat-rate most clinics charge their patients.

“For a lot of the bigger corporate entities, it’s easier and more profitable to just take that cash, baby,” Talbott adds, punctuating his point with a morose chuckle.

Patients who struggle to find the money for treatment may live with the threat of an administrative detox hanging over their heads. This is a common technique practiced by many methadone clinics, in which a patient who is no longer able to pay is placed on a rapidly tapering dose to wean him off the medication. The length of these tapers varies by clinic, but they often mean going down by 10mg a day, usually with one- or two-month limits. That’s a far cry from the slow, medically supervised taper recommended for patients choosing to withdraw from treatment.

Medication-assisted treatment is designed for long-term use—sometimes even lifelong. Mary Jeanne Kreek, who was part of the team that developed methadone treatment, explains that methadone and buprenorphine help correct brain changes that may require years of maintenance.

“It’s just like treating depressive disorders. Most people on chronic antidepressants need those for a long time or life,” says Kreek.  “I think they’re very analogous.”

But even these administrative detoxes are less harsh than what patients face at clinics that simply cut them off. Because methadone is designed to remain stable in the body for long periods of time, withdrawal from a therapeutic dose may take up to a week to begin. Once it does, however, it is nearly unbearable. It’s not necessarily the sweats and cold chills, aching bones, diarrhea, racing heart, nausea, and restless legs that make it so difficult. It’s the fact that your brain thinks it’s dying without the drug. That is part of the reason relapse rates after opioid detoxification are so high—some estimates say 88 percent within three years, and up to 70 percent within six months.

Liz Hock Clark, a 59-year-old woman who has been on methadone for 34 years, says her clinic is one of many that simply ceases to dose patients who come in without payment in hand. She isn’t sure if it’s legal, but she’s seen it done, and she’s terrified it will happen to her.

‘For someone my age, going cold turkey off 118 milligrams, I don’t know if I’d survive.’

Clark lives in a small apartment in West Virginia. She doesn’t have much furniture, and there’s no internet connection. If she needs to go online, she hops into her beat up 2000 Chevrolet Cavalier and drives to her cousin’s house. She picks up odd jobs, like house cleaning and dog walking, in order to pay for her medication. She does janitorial maintenance for her building in exchange for rent on the apartment. It’s tough on her body, but it allows her to put every penny she makes into methadone. Her clinic charges $15.50 a day. She says when she started methadone 34 years ago in Texas, it was $2 a day. She is terrified of the day when she doesn’t have the money for her clinic, which she fears will be soon.

“I’m not afraid of relapse,” she explains in her soft Southern drawl. “I’m afraid of dying. For someone my age, going cold turkey off 118 milligrams, I don’t know if I’d survive.”

Death from opioid withdrawal is rare, but because of her age, complications like cardiac arrest from a harsh detox are a credible fear.

“The thing is,” she adds wistfully, “I don’t want to get off methadone. I want to stay on it my whole life.”

How do we help patients like Clark access these essential medications without becoming enslaved by the exploitative tactics of some providers? For starters, the burden of methadone and buprenorphine regulations needs to fall on providers rather than patients. And we need to have a lot more payment options for low-income people, who are already more vulnerable to addiction in the first place.

The preliminary report offered by the White House opioid commission asks for expansion of access to medication-assisted treatment. It does not, however, express the need for a mandate on clinics to accept Medicaid, or for any kind of internal restructuring that will make accepting Medicaid and other forms of insurance more attractive to clinics. Trump’s attitude during his recent public health emergency declaration does not leave much hope that the commission’s advice will be followed—his $57,000 allocation will not come close to covering the cost gap. We’ll need to do a lot more if we are going to serve Clark and other patients like her—or like me—before it’s too late.



Sexual Assault Is Universal. Recovery Isn’t.

When news broke of the seemingly bottomless Harvey Weinstein scandal, it released a flood of similarly harrowing tales of sexual harassment and assault in music, academia, science, media, restaurants, government, libraries, on and on and ever on. Near countless numbers of women and a decent number of men shared their own stories in private conversation, public essays, and as part of the #MeToo hashtag on social media. One inescapable fact immediately became manifest: Sexual harassment and assault are everywhere in the human experience, regardless of profession, ideology, ethnic identity, or financial privilege.

The question of financial privilege does, however, make one enormous difference: If you’re poor, you may find it that much harder to escape the abuse, or to recover and heal.

The reasons for this are myriad, complex, and mutually reinforcing, much like the causes of poverty itself, but they can be roughly assigned to two categories: Questions of power and questions of access.

Sexualized violence is a statement of power—harassment is not flirting, and assault is not sex. In both, the perpetrator is establishing themselves as having the right to treat another human being as they will. The victim’s right to safety is void; the perpetrator has the power to say or do what they wish, and the victim has no choice but to accept those choices.

Indeed, men who harass and assault women routinely prey on those who are clearly less powerful than their attackers. Harvey Weinstein consistently visited his depravity on Hollywood’s young and aspiring; R. Kelly has long been known for plucking girls from high schools on Chicago’s South Side. As Donald Trump said in 2005, “When you’re a star, they let you do it. You can do anything.”

One needn’t be a star to have relative power over a woman, though. In a society in which women are dehumanized in private, in public, in statute, and in practice, women as a class are axiomatically less powerful than men as a class. Poverty serves to exponentially increase that power differential.

Sexualized violence is a statement of power

Women in the lowest income bracket experience sexual violence at six times the rate of women in the highest. That statistic supports something poor women already know: The poorer you are, the more likely you are to endure a man’s unwanted attention. You can’t quit the job that barely pays, you can’t argue with the uncle in whose home you must live, and you can’t afford the classes that might allow you to leave both behind.

Poverty is not only a risk factor for harassment and assault, though—poverty is often the result of harassment and assault. The victim who leaves her job may have no other source of income, and more than one-third of women who leave their abusers’ homes end up homeless. Weinstein’s victims understood all too clearly that he ultimately held power over their ability to make a living, and a vindictive restaurant manager might be all that stands between a server and her ability to feed her kids.

Then there’s the question of access to medical or psychological support. Non-consensual sexual contact is often violent; rape can of course lead to pregnancy; studies have found that alarming numbers of harassment and assault victims develop PTSD; and even short-term experiences with shock and anxiety can be temporarily debilitating or permanently life-altering. But treating all of those things costs money. Even something as simple as transportation can present an obstacle—what if there’s no bus from your neighborhood to the nearest free clinic?

Every survivor’s experience is different, and trauma is not made untraumatic by a middle class income. Women of color, trans women, undocumented immigrants, and women with disabilities all face further hurdles, complications, and intersections, regardless of income.

Yet poverty places an undeniable additional burden on anyone who has survived sexual harassment or assault. Even as we reel from the unending revelations out of Hollywood or Silicon Valley, it’s worth remembering that even healing is a privilege.



Ivanka Trump’s Child Tax Credit is a Ploy to Pass Tax Cuts for the Rich

On Monday, Ivanka Trump kicked off her tour to stump for the Trump administration’s tax package with a town hall in Bucks County, Pennsylvania. She pitched an increased Child Tax Credit as a way to help families struggling with high child care costs and noted that the United States invests relatively little in early childhood education compared with other countries. Given how much Ivanka Trump’s reputation has suffered as she’s failed to impact White House policy on issues such as climate change and gender equity, she needs to show that she can deliver on promises she made during the campaign to make child care more affordable.

The details of the Child Tax Credit are not yet public, including the amount of the expansion and whether she would make changes to help children in families with very low incomes who cannot currently receive the full credit. But one thing is very, very clear: This credit is clearly designed to help make the Trump tax plan, which is heavily skewed toward tax breaks for the wealthy, more politically palatable.

The nonpartisan Tax Policy Center found that 80 percent of the tax breaks would go to people in the top 1 percent of earners. In other words, people like Ivanka Trump.

Just repealing the estate tax—which is only one of many planned tax cuts—would amount to a $1.1 billion windfall for Ivanka Trump and her siblings. That’s enough to pay for 100,000 children to go to child care for an entire year. And that’s before accounting for the trillions it would cost to slash the top income tax rate, give low rates to pass-through businesses, and re-open loopholes for the wealthy.

Just repealing the estate tax would amount to a $1.1 billion windfall for Ivanka and her siblings.

But Trump, the dutiful soldier, is sticking to her message. That means continuing to insist that her child care plan will support most Americans, even though the plan she pitched during the campaign would have given the average family in a county that swung heavily toward Trump in the 2016 presidential election just $5.55 per year. (Residents in Ivanka Trump’s former Manhattan neighborhood would stand to gain more than $7,000 in tax benefits.) A year later, the same principles apply. The Trump administration is looking to use empty rhetoric to appeal to working women to sell a major tax break for wealthy people like her.

To be clear, the Child Tax Credit can provide a vehicle for improving economic security among families with young children. The Center on Budget and Policy Priorities estimates that 16 million children in low-income working families would not receive the benefit because their families’ earnings are too low. Proposals to make the credit refundable would allow lower-income families to actually benefit, and proposals to make it more generous could go a long way to defray costs associated with raising children.

If she wanted, Ivanka Trump could go even further than taxes. She could support Sen. Patty Murray (D-WA) and Rep. Bobby Scott’s (D-VA) bill to guarantee child care assistance to low-income and middle-class families, or she could challenge her father’s requests to cut the program that offers child care assistance to low-income working families and eliminate on-campus child care and afterschool programs.

Or, if taxes are really what speak to her, she could move on to expanding child care assistance through the Child and Dependent Care Tax Credit (CDCTC). Right now, the CDCTC primarily reaches upper-middle-class families, and the $1,050-per-child credit pales in comparison to the $10,000 annual price tag at a child care center.

If Ivanka Trump wanted to make a difference, there’s no shortage of ideas. But instead, she’s selling another “by Ivanka, for Ivanka” child care plan that won’t work for the millions of families who struggle to pay for the child care they need.