High Deductible Health Plans: Fill & Download for Free

That is not an answer that should be on Quora so I won’t mention any names.It depends on a lot of factors, including your current health. You should talk to a few local health insurance agents. Let’s say “cheapest” is the lowest cost for the most coverage. Not to mention the cheapest today may not be the best value over time.Insurance is something you get BEFORE you need it but I once had a young man enroll at a school that required joining their group health insurance plan because he needed an operation and that was the only way he could get it covered. Never heard from him again but I am certain I saved his financial future.OPM insurance is generally the best. That is “Other People’s Money”, such as employer paid group. For an individual a high-deductible health plan would normally be the “cheapest”.Surprisingly the answer may not be insurance at all. It might be the largest Christian health sharing ministry. They are lower lost and do not currently have a maximum like most insurance policies do, and they have what are called “extra blessings” for tough situations.I have a good friend who owns a company. After some unbelievable events he went through the $1,000,000 limit of the first group policy and most of it on the second group policy. Good thing he listened to his amazing wife, started the company and offered group health insurance to himself and his employees.Are you looking up local agents? Ask friends for referrals. When you go online and search it costs the agent’s money. Thank the new economy.

Well, let’s see. My biggest complaint about the government running any social programs, is that they are inept, corrupt, incompetent, over-staffed, dishonest, self-serving, and lack basic budgeting and program management skills. Two cases in point:Medicare is almost broke now and as you say, all workers pay into the program. Medicare was supposed to be funded in perpetuity by the payroll deductions of the workers for the benefit of retired workers. Nice concept in theory, and MAYBE it would have worked long-term, if it hadn’t been robbed to fund Medicaid, and only God knows what else.Social Security is almost broke now. The current state of Social Security is the core issue surrounding government dishonesty, misappropriations, and “pulling the wool over taxpayers eyes”. Social Security was the largest and maybe the first social program introduced into the US. It was devised and implemented by FDR’s administration in 1935. A committee on economic security devised SS to give financial aid to the elderly, who were unable to save enough or anything for their retirement years due to the Great Depression. Here’s how it was supposed to work:The Social Security Fund was to be a separate budget and line item outside of the General Budget. The funds were to be sacrosanct, thereby ensuring the principal, while increasing in value at variable rates based on the economy and the investments made by the administrator and Congress. Workers who contribute to the fund would receive “credits” based on how much money and/or how many years they contributed to the fund. The money would accumulate wealth and would be distributed to Seniors over the age of 65.The first recipients contributed little or nothing and received benefits anyway. This was to offset the years they were unable to save money for their own retirements because of their job and/or savings losses due to the Great Depression and unsecured bank losses. As Social Security aged, the contributors paid more and more into the fund, so that, the baby-boomers of today are the first generation to receive benefits after having contributed from the youngest age of 15 1/2 until retirement at 65.The premise was that workers would support the retirees and then the next generation of workers would support them.The premise for Social Security was a sound one, initially. It did save the elderly after the Great Depression as it was intended to do. It has also been effective for subsequent generations as a supplement to retirement programs and later 401K’s, IRA’s, 403B’s etc. The problems for Social Security did not begin until the 1960′s under the leadership of LBJ.In 1964 LBJ wanted to do something for the nation’s poor. That was all well and good, but being the first socialist leaning president, he saw no problem using Social Security to fund his War on Poverty. However, he had a stumbling block to overcome. He could not, by law, use the Social Security Fund because it had been theretofore sacrosanct and untouchable.LBJ was undeterred. He simply went to Congress (which I think at the time was mostly Democrat, but I could be wrong on this point), and asked them to move Social Security out of its own budget and into a line item in the General Fund (what better way to hide a tax hike, theft of promised assets, and redistribution of wealth?) This was all done on the QT. Many folks had no idea (and maybe still don’t) that Social Security (their Social Security) might be at risk. So, the War on Poverty was funded and began! Remember, this War was started in 1964.Medicare was added to Social Security as a provision, and in its infancy seemed viable. Medicaid was a welfare healthcare program from the git go. The amount of dollars (contributions in the government’s eyes) paid into the fund by taxpayers, who assumed that only they would benefit, were sadly mistaken. You see, it was easier for a politician to use funds that could be buried and forgotten, rather than ask Americans for more tax dollars, which they did anyway, by adding Medicare payroll deductions, as well as Social Security deductions to taxpayer paychecks.Yeah, Baby. Give a politician other people’s money (OPM), and you can count on magic happening! The money will certainly and magically disappear. Medicare was supposed to keep medical costs down for the elderly, and Medicaid was a socialist healthcare program for the poor. It was the first example of redistribution of wealth. LBJ was smart enough not to use that phrase, knowing that America was not ready for any form of socialism. Remember though, that the Vietnam War was raging and civil unrest was raising its head. Hippies became the first “anti-establishment” loosely organized group of radicals and socialists that America had seen up to that point.From 1964 on, Social Security continued to fund Medicare and Medicaid costs, which were rising rapidly almost from the very beginning. Fraud, gouging, and mismanagement became the norm, as if using Social Security funds was not bad enough.Fast forward to today, and Social Security and Medicare are broke and broken, and no one seems to care. These are the reasons why Conservatives are so vehemently opposed to big government and social programs. Conservatives also tend to believe that welfare of any kind should be limited to those who cannot work to support themselves, i.e. the disabled, with the exception of our veterans, who Conservatives feel have earned their benefits by risking their lives to keep people free and to protect the US. Redistribution of wealth in any form is immoral.Charity is definitely moral, but must be at the discretion of the giver, not by order of the government. There were other ways (more successful ways) of waging war on poverty. Too bad that even back then the DEMS thought that throwing money at a problem like poverty would salve their consciences and make a difference. We are now 50 years into the War on Poverty. Very little has changed, except under the Obama administration, there were more people living under the poverty level than ever before in history. This was, of course, due to the poor economy. However, even the slowest economic recovery in US history must be laid at the feet of Mr. Obama. Again, another reason why Conservatives do not want the government running social programs.Had LBJ done something to help American business stimulate the economy, there would have been far fewer people living in poverty at that time. Further, his administration and the women’s lib movement encouraged, yes encouraged, free-love and sexual freedom for women and then implemented welfare programs for women without support from the father’s of their children. Federal offices actually told women to get pregnant and they would get more benefits. I know this to be the God’s truth, because my disabled daughter needed assistance to remain independent. She was told that she didn’t qualify, but if she had a baby (she was never married) that she could get all kinds of help. This is sad commentary on how we define “poor”, and why there may be so many poor Americans, especially single women.Don’t get me wrong, Conservatives had been condescending and judgemental. They were a party of white men. We did have all sorts of social injustice that needed to be brought to the attention of all Americans and they needed to be addressed.I am simply stating how social programs got their start, how they have been mismanaged, and why Conservatives are so loathe to pile on more redistribution of wealth. However, the Conservatives of the past have preferred to sweep ugliness in our society under the rug. DEMS do this too when it is expedient for them, i.e. black on black gun violence in the City of Chicago, with the toughest gun laws in the country). These are more reasons why Conservatives voters don’t trust politicians.Personally, I believe that we can solve all of the problems facing America. It will take some sacrifices and time. We will need patience and forbearance to make our ills a thing of the past, but I believe we are the only nation that can do it, not through redistribution of wealth or government run social programs, but through funding initiatives that have proven to break the cycle of poverty. Things like great educations along with character building at the elementary and high school levels, adding trade educations, apprenticeships, and technical training opportunities for our poorest kids. We don’t need to yank Welfare away from our able-bodied but unemployed poor, we need to give them everything they need to get a good job, and then phase them off the plan. For that, we first and foremost need a great economy. We can’t have that under a socialist agenda. We need the economy to generate enough jobs, so that everyone that wants a job can get one. This is doable, and here is where the government should play a major role. We will probably always need welfare for our disabled citizens, rehab for our addicted, and short-term welfare for those students gaining market-value skills.There is always more than one way to solve problems, but Congress seldom sees beyond their own ambitions. The government needs to be small and should produce the best and safest environment for our businesses and for our people.I hope that I have helped you understand the history of SS, Medicare, Veteran’s benefits, Medicaid and Welfare. Liberal and Conservative citizens need to put their heads together to create programs that will break the cycle of poverty, strengthen the family unit, provide parenting skills, emphasize the need for education and provide it, and end gang violence, violence by and against the police, and create a healthier, happier America.One point about Social Security. If my generation had been mandated to save money in a principally ensured investment, instead of paying into Social Security for all our working years, we would all have millions of dollars even without our 401K’s or IRAs. The interest gained on our investment into SS has been poor to none. This is sad, considering how wealthy the fund should be at this stage. What is especially sad, is that younger Americans may not have SS at all.If I were young, I’d be putting together the numbers on mandatory savings and self-directed accounts. This could be phased in with each successive generation, and the government could be phased out of SS administration all together. People are ALWAYS infinitely better off when they are the masters of their own destinies.

I reproduce the exhaustive list from The National Center for Transgender Equality (The Discrimination Administration)TLDR: About 77 other things listed below like permitting discrimination by homeless shelters (July 23, 2020) - Please Vote!Anti-Transgender and Anti-LGBTQ ActionsJuly 23, 2020: The Department of Housing and Urban Development formally announced the rollback of a previous rule that protected transgender people from discrimination by homeless shelters and other housing services receiving federal funds.June 19, 2020: The Department of Health and Human Services announced that it finalized the extensive rollback of health care discrimination rules, to eliminate the protections for transgender people experiencing discrimination in health care settings and/or by insurance companies denying transition-related care, as well as to weaken nondiscriminatory access to health care for those with Limited English Proficiency.May 15, 2020: The Department of Education issued a letter declaring that the federal Title IX rule requires school to ban transgender students from participating in school sports, and threatening to withhold funding from Connecticut schools if they do not comply.May 8, 2020: The Department of Health and Human Services published a final rule eliminating collection of sexual orientation data on foster youth and foster and adoptive parents and guardians and rejecting proposals to collect gender identity data.May 6, 2020: The Department of Education published a final rule encouraging schools to dramatically weaken protections for student survivors of sexual violence and harassment, and eliminating a provision that encouraged religiously-affiliated schools to notify the Department and the public of their intent to discriminate on the basis of sex under a Title IX waiver.March 26, 2020: The Department of Justice filed a court brief in the District of Connecticut in opposition to a Connecticut Interscholastic Athletic Conference policy that allows transgender athletes to play sports with their peers.February 27, 2020: The Department of Justice filed another court brief, this time in the Western District of Kentucky, expressing the view of the United States that anti-LGBTQ discrimination is not "a sufficient government interest" to overcome the objections of private businesses who want to deny "expressive" services such as photography services to LGBTQ people, and that these businesses must be permitted to opt out of complying with local nondiscrimination laws.January 16, 2020: Nine federal agencies - Departments of Agriculture, Education, Health and Human Services, Homeland Security, Housing and Urban Development, Justice, Labor, and Veterans Affairs, and the U.S. Agency on International Development - all proposed rule changes that would eliminate the rights of people receiving help from federal programs to request a referral if they have a concern or problem with a faith-based provider and to receive written notice of their rights; and that would encourage agencies to claim religious exemptions to deny help to certain people while receiving federal funds.November 5, 2019: The Department of Labor proposed to exempt the TRICARE health care program for military dependents and retirees from requirements not to discriminate on the basis of sexual orientation or gender identity. It is not immediately apparent whether TRICARE intends to make any changes in its benefits policies. Currently, TRICARE covers hormone therapy and counseling for transgender retirees and dependents, but DOD interprets the TRICARE statute to exclude transition-related surgery regardless of medical necessity.=November 1, 2019: The Department of Health and Human Services announced it would not enforce, and planned to repeal, regulations prohibiting discrimination based on gender identity, sexual orientation, and religion in all HHS grant programs. These include programs to address the HIV, opioid, and youth homelessness epidemics, as well as hundreds of billions of dollars in other health and human service programs.November 1, 2019: The Department of Education published final regulations permitting religious schools to ignore nondiscrimination standards set by accrediting agencies.September 19, 2019: The Department of Health and Human Services cancelled a plan to explicitly prohibit hospitals from discriminating against LGBTQ patients as a requirement of Medicare and Medicaid funds.August 16, 2019: The Department of Justice filed a brief in the U.S. Supreme Court arguing that federal law “does not prohibit discrimination against transgender persons based on their transgender status.”August 14, 2019: The Department of Labor announced a proposed rule that would radically expand the ability of federal contractors to exempt themselves from equal employment opportunity requirements, allowing for-profit and non-profit employers to impose “religious criteria” on employees that could include barring LGBTQ employees.July 15, 2019: The Departments of Justice and Homeland Security announced an interim final rule that would block the vast majority of asylum-seekers from entering the United States, with deadly consequences for those fleeing anti-LGBTQ violence.July 8, 2019: The Department of State established a “Commission on Unalienable Rights” aimed at narrowing our country’s human rights advocacy to fit with the “natural law” and “natural rights” views of social conservatives, stating it would seek to “be vigilant that human rights discourse not be corrupted or hijacked or used for dubious or malignant purposes.” (Shortly thereafter, the State Department official tasked with coordinating the new commission was fired for “abusive” management including homophobic remarks.)July 3, 2019: The Department of Housing and Urban Development removed requirements that applicants for homelessness funding maintain anti-discrimination policies and demonstrate efforts to serve LGBT people and their families, who are more likely to be homeless.May 24, 2019: The Department of Health and Human Services published a proposed rule that would remove all recognition that federal law prohibits transgender patients from discrimination in health care. Courts across the nation have ruled otherwise.May 22, 2019: The Department of Housing and Urban Development (HUD) announced a plan to gut regulations prohibiting discrimination against transgender people in HUD-funded homeless shelters.May 14, 2019: President Trump announced his opposition to the Equality Act (H.R. 5), the federal legislation that would confirm and strengthen civil rights protections for LGBTQ Americans and others.May 2, 2019: The Department of Health and Human Services published a final rule encouraging hospital officials, staff, and insurance companies to deny care to patients, including transgender patients, based on religious or moral beliefs. This vague and broad rule was immediately challenged in court.April 19, 2019: The Department of Health and Human Service announced a proposed rule to abandon data collection on sexual orientation of foster youth and foster and adoptive parents and guardians.April 12, 2019: The Department of Defense put President Trump’s ban on transgender service members into effect, putting service members at risk of discharge if they come out or are found out to be transgender.March 13, 2019: The Department of Defense laid out its plans for implementing its ban on transgender troops, giving an official implementation date of April 12.January 23, 2019: The Department of Health & Human Services' Office of Civil Rights granted an exemption to adoption and foster care agencies in South Carolina, allowing religiously-affiliated services to discriminate against current and aspiring LGBTQ caregivers.November 23, 2018: The U.S. Office of Personnel Management (OPM) erased critical guidance that helped federal agency managers understand how to support transgender federal workers and respect their rights, replacing clear and specific guidance reflecting applicable law and regulations with vaguely worded guidance hostile to transgender workers. While this guidance change did not change the rights of transgender federal workers under applicable law, regulations, Executive Orders, and case law, it is likely to cause confusion and promote discrimination within the nation's largest employer.November 19, 2018: The Department of State appealed a court order directing it to issue a passport with a gender-neutral designation to a non-binary, intersex applicant.October 25, 2018: U.S. representatives at the United Nations worked to remove references to transgender people in UN human rights documents.October 24, 2018: The Department of Justice submitted a brief to the Supreme Court aruging that it is legal to discriminate against transgender employee, contradicting court rulings that say protections under Title VII in the workplace don’t extend to transgender workers.October 21, 2018: The New York Times reported that the Department of Health and Human Services proposed in a memo to change the legal definition of sex under Title IX, which would would leave transgender people vulnerable to discrimination.August 10, 2018: The Department of Labor released a new directive for Office of Federal Contract Compliance Programs (OFCCP) staff encouraging them to grant broad religious exemptions to federal contractors with religious-based objections to complying with nondiscrimination laws. It also deleted material from an OFCCP FAQ on LGBT nondiscrimination protections that previously clarified the limited scope of allowable religious exemptions.June 11, 2018: Attorney General Jeff Sessions ruled that the federal government would no longer recognized gang violence or domestic violence as grounds for asylum, adopting a legal interpretation that could lead to rejecting most LGBT asylum-seekers.May 11, 2018: The Bureau of Prisons in the Department of Justice adopted an illegal policy of almost entirely housing transgender people in federal prison facilities that match their sex assigned at birth, rolling back existing protections.April 11, 2018: The Department of Justice proposed to strip data collection on sexual orientation and gender identity of teens from the National Crime Victimization Survey.March 23, 2018: The Trump Administration announced an implementation plan for its discriminatory ban on transgender military service members.March 20, 2018: The Department of Education reiterated that the Trump administration would refuse to allow transgender students to use bathrooms and locker rooms based on their gender identity, countering multiple court rulings reaffirming that transgender students are protected under Title IX.March 5, 2018: The Department Housing and Urban Development Secretary announced a change to its official mission statement by removing its commitment of inclusive and discrimination-free communities from the statement.February 18, 2018: The Department of Education announced it will summarily dismiss complaints from transgender students involving exclusion from school facilities and other claims based solely on gender identity discrimination.January 26, 2018: The Department of Health and Human Services proposed a rule that encourages medical providers to use religious grounds to deny treatment to transgender people, people who need reproductive care, and others.January 18, 2018: The Department of Health and Human Services' Office of Civil Rights opened a "Conscience and Religious Freedom Division" that will promote discrimination by health care providers who can cite religious or moral reasons for denying care.December 29, 2017: President Trump fired the White House Presidential Advisory Council on HIV/AIDS. The transgender community is disproportionately affected by HIV.December 20, 2017: President Trump nominated Gordon P. Giampietro to serve as a United States District Judge of the United States District Court for the Eastern District of Wisconsin. Giampietro called marriage equality “an assault on nature.” Giampietro's nomination was eventually withdrawn.December 14, 2017: Staff at the Centers for Disease Control and Prevention were instructed not to use the words “transgender,” “vulnerable,” “entitlement,” “diversity,” “fetus,” “evidence-based,” and “science-based” in official documents.October 6, 2017: The Justice Department released a sweeping "license to discriminate" allowing federal agencies, government contractors, government grantees, and even private businesses to engage in illegal discrimination, as long as they can cite religious reasons for doing so.October 5, 2017: The Justice Department released a memo instructing Department of Justice attorneys to take the legal position that federal law does not protect transgender workers from discrimination.October 2, 2017: President Trump nominated Kyle Duncan to serve as a United States Circuit Judge of the United States Court of Appeals for the Fifth Circuit. Duncan has dedicated his career to limiting the rights of transgender people, and even defended the anti-trans parties in the North Carolina’s infamous HB2 debacle and the school district that discriminated against Gavin Grimm.September 7, 2017: The Justice Department filed a legal brief on behalf of the United States in the U.S. Supreme Court, arguing for a constitutional right for businesses to discriminate on the basis of sexual orientation and, implicitly, gender identity.September 7, 2017: President Trump nominated Gregory G. Katsas to serve as a United States Circuit Judge of the United States Court of Appeals for the District of Columbia Circuit. Katsas played a central role in helping Trump ban qualified transgender people serving in the miiltary.September 7, 2017: President Trump nominated Matthew J. Kacsmaryk to serve as a United States District Judge of the United States District Court for the Northern District of Texas. Kacsmaryk opposes LGBTQ protections in housing, employment, & and health care, and called transgender people a “delusion.”September 7, 2017: President Trump nominated Jeff Mateer to become a United States District Judge of the United States District Court for the Eastern District of Texas. Mateer called transgender children part of “Satan’s plan” and openly supported debunked and dangerous “conversion therapy.” Mateer’s nomination was eventually withdrawn.August 25, 2017: President Trump released a memo directing Defense Department to move forward with developing a plan to discharge transgender military service members and to maintain a ban on recruitment.July 26, 2017: President Trump announced, via Twitter, that "the United States Government will not accept or allow Transgender individuals to serve in any capacity in the U.S. Military."July 26, 2017: The Justice Department filed a legal brief on behalf of the United States in the U.S. Court of Appeals for the Second Circuit, arguing that the 1964 Civil Rights Act does not prohibit discrimination based on sexual orientation or, implicitly, gender identity.July 13, 2017: President Trump nominated Mark Norris to the United States District Court for the Western District of Tennessee. Norris has worked to make it easier to discriminate against LGBTQ people, and even worked to discriminate specifically against transgender kids.June 14, 2017: The Department of Education withdrew its finding that an Ohio school district discriminated against a transgender girl. The Department gave no explanation for withdrawing the finding, which a federal judge upheld.May 2, 2017: The Department of Health and Human Services (HHS) announced a plan to roll back regulations interpreting the Affordable Care Act’s nondiscrimination provisions to protect transgender people.April 14, 2017: The Justice Department abandoned its historic lawsuit challenging North Carolina’s anti-transgender law. It did so after North Carolina replaced HB2 with a different anti-transgender law known as “HB 2.0.”April 4, 2017: The Departments of Justice and Labor cancelled quarterly conference calls with LGBT organizations; on these calls, which had happened for years, government attorneys shared information on employment laws and cases.March 31, 2017: The Justice Department announced it would review (and likely seek to scale back) numerous civil rights settlement agreements with police departments. These settlements were put in places where police departments were determined to be engaging in discriminatory and abusive policing, including racial and other profiling. Many of these agreements include critical protections for LGBT people.March 2017: The Department of Housing and Urban Development (HUD) removed links to four key resource documents from its website, which informed emergency shelters on best practices for serving transgender people facing homelessness and complying with HUD regulations.March 28, 2017: The Census Bureau retracted a proposal to collect demographic information on LGBT people in the 2020 Census.March 24, 2017: The Justice Department cancelled a long-planned National Institute of Corrections broadcast on “Transgender Persons in Custody: The Legal Landscape.”March 13, 2017: The Department of Health and Human Services (HHS) announced that its national survey of older adults, and the services they need, would no longer collect information on LGBT participants. HHS initially falsely claimed in its Federal Register announcement that it was making “no changes” to the survey.March 13, 2017: The State Department announced the official U.S. delegation to the UN’s 61st annual Commission on the Status of Women conference would include two outspoken anti-LGBT organizations, including a representative of the Center for Family and Human Rights (C-FAM): an organization designated as a hate group by the Southern Poverty Law Center.March 10, 2017: The Department of Housing and Urban Development (HUD) announced it would withdraw two important agency-proposed policies designed to protect LGBT people experiencing homelessness. One proposed policy would have required HUD-funded emergency shelters to put up a poster or "notice" to residents of their right to be free from anti-LGBT discrimination under HUD regulations.The other announced a survey to evaluate the impact of the LGBTQ Youth Homelessness Prevention Initiative, implemented by HUD and other agencies over the last three years. This multi-year project should be evaluated, and with this withdrawal, we may never learn what worked best in the project to help homeless LGBTQ youth.March 8, 2017: Department of Health and Human Services (HHS) removed demographic questions about LGBT people that Centers for Independent Living must fill out each year in their Annual Program Performance Report. This report helps HHS evaluate programs that serve people with disabilities.March 2, 2017: The Department of Justice abandoned its request for a preliminary injunction against North Carolina’s anti-transgender House Bill 2, which prevented North Carolina from enforcing HB 2. This was an early sign that the Administration was giving up defending trans people (later, on April 14, it withdrew the lawsuit completely).March 1, 2017: The Department of Justice took the highly unusual step of declining to appeal a nationwide preliminary court order temporarily halting enforcement of the Affordable Care Act’s nondiscrimination protections for transgender people. The injunction prevents HHS from taking any action to enforce transgender people's rights from health care discrimination.February 22, 2017: The Departments of Justice and Education withdrew landmark 2016 guidance explaining how schools must protect transgender students under the federal Title IX law.January 31, 2017: President Trump nominated Neil Gorsuch to the Supreme Court. Gorsuch has a history of anti-transgender rulings.January 20, 2017: On President Trump’s inauguration day, the adminstration scrubbed all mentions of LGBTQ people from the websites of the White House, Department of State, and Department of Labor.Other Harmful Trump Administration ActionsThe Trump administration has taken many other actions to roll back civil rights and health care protections and target vulnerable communities. While not specifically directed at transgender people or gender identity protections, we list them here because it is critically important that we view our quest for transgender equality as intertwined with other social justice movements. These include attacks on reproductive rights, the Affordable Care Act, refugees and other immigrants and the enforcement of civil rights laws. Many of these actions will also disproportionately harm transgender people. These are just a few examples:Kicking Americans off Medicaid and Food Stamps: The Trump Administration has taken numerous actions to kick Americans in need off of Medicaid and SNAP coverage. On April 10, Trump signed an executive order directing federal agencies to push for work requirements for low-income people in America who receive federal assistance, including Medicaid and SNAP.Targeting Reproductive Rights: On October 6, 2017, the Department of Health and Human Services issued a regulation allowing employers and insurers to deny coverage for birth control, as long as they can cite religious reasons for doing so. In April, President Trump and Congress overturned a regulation that protected Planned Parenthood, one of the nation’s largest providers of care for transgender people, and other family planning clinics from funding discrimination by states.Harming Sexual Assault Survivors. On September 7, 2017, Education Secretary Betsy DeVos announced she would withdraw historic guidance on schools' and universities' responsibilities to address sexual assault and sexual harassment. On September 27, 2017, the Department replaced this guidance with flawed and dangerous “interim guidance” tipping the scales against student survivors seeking protection on campus. This is especially dangerous for transgender students, because 47% of transgender adults in the US Transgender Survey were sexual assault survivors.Cruel and Relentless Attacks on Immigrant Communities. On September 5, 2017, President Trump acted to strip hundreds of thousands of Americans and their families of security, stability, and safety by ending the Deferred Action for Childhood Arrivals (DACA) program. On April 6, 2018, Attorney General Jeff Sessions announced a “zero tolerance” policy that separated hundreds of immigrant children from their families. On April 10, a federal official announced that the Department of Justice was halting the Legal Orientation Program, which offers legal assistance to immigrants. On June 11, Attorney General Sessions ruled that domestic or gang violence are not grounds for asylum in the United States. These are just a few of many anti-immigrant actions that are especially dangerous for many LGBT immigrants who could face life-threatening violence if deported.Putting Health Care Out of Reach: On April 13, 2017, the Department of Health and Human Services rolled back numerous Affordable Care Act rules to reduce protections for people seeking and using health insurance. These actions make it harder to enroll in health care plans, allow plans to sharply raise deductibles, and weaken requirements for insurance plans to have in-network providers that serve low-income communities. These changes disproportionately affect people of color and any one with lower incomes, including transgender people. These changes make getting health care coverage harder for people who lose coverage or who depend on community clinics.Expanding Immigration Detention: The Department of Homeland Security is vastly expanding the number of immigrants held in immigration detention centers nationwide, while also eliminating protections for health and safety in detention centers. Reducing these protections for immigrants who are being detained is wrong, and it's especially dangerous for vulnerable transgender immigrants, many of whom are asylum-seekers who risk extreme abuse.Banning Muslims and Refugees: On January 27, 2017 and again on March 6, President Trump signed executive orders seeking to ban entry by refugees and travelers from certain Muslim-majority countries and drastically reduce the number of refugees allowed to seek safety in the United States. We cannot stand for a world where people in danger are denied entry because of who they are, including where they come from or whether they are Muslim or any other religion. LGBT refugees are among the many who are fleeing life-threatening persecution because of who they are or what they believe. While the bans were allowed to take effect by the Supreme Court, court cases challenging them continue.