Rep. Auchincloss introduces bipartisan, bicameral legislation to force Pharmacy Benefit Managers to act in employees’ best interests

U.S. Representatives Jake Auchincloss (D, MA-04) and Ryan Mackenzie (R, PA-07), alongside Senators Roger Marshall (R-KS), Tim Kaine (D-VA), Chuck Grassley (R-IA) and Maggie Hassan (D-NH) introduced the bicameral PBM Fiduciary Accountability, Integrity, and Reform (FAIR) Act. This legislation would establish fiduciary responsibilities for pharmacy benefit managers (PBMs) – the middlemen of drug pricing – requiring them to act in the best interests of employees relying on employer-sponsored health plans, while keeping plan costs low.

U.S. Representatives Jake Auchincloss

Currently, PBMs that provide drug benefits for employer health plans often get away with price-gouging because they are not legally required to put employees’ interests first. The PBM FAIR Act would ensure these middlemen are classified as fiduciaries under law, which will help curb hidden fees and practices that drive up what employees pay for their medications.

PBMs are directly responsible for:

• Marking up generic drugs at prices hundreds of times higher than actual cost,
• Limiting patient choice, and
• Denying claims with no or misleading explanations.

This bill reins in bad PBM practices and helps ensure employer-sponsored health care plans are affordable and accessible to all families.

“Instead of looking out for the best interests of employees, pharmacy benefit managers have been hitting them with prescription drug mark-ups, inconvenient pharmacy options, and wrongful denials,” said Congressman Jake Auchincloss. “This legislation puts force of law behind the best interest standard. The PBMs either improve access and affordability, or they'll pay out in lawsuits.”

                                                                                                                    

“Pharmacy benefit managers play a major role in determining what patients pay for their prescriptions, yet they often operate with little accountability,” said Congressman Ryan Mackenzie. “The PBM FAIR Act brings transparency to the system by requiring PBMs to act as fiduciaries under ERISA, ensuring that patients come first. By holding middlemen accountable we can also deliver lower healthcare costs to policyholders."

“For too long, middlemen have used opaque pricing and misaligned incentives to line their own pockets at the expense of employers,” said Senator Marshall. “PBMs shouldn’t profit by steering plans toward higher‑cost drugs or practices that drive up prices. This bill holds them accountable and ensures that every decision they make prioritizes the health and financial interests of the plans and people they serve.”

“Pharmacy benefit managers should be held accountable for their role in raising costs of prescription drugs,” said Senator Kaine. “This bipartisan legislation is critical to ensuring that PBMs are doing what’s best for Americans who rely on lifesaving medication.”

This legislation is supported by the ERISA Industry Committee (ERIC).

“Employers, workers, and families should be able to rely on those who provide services to employer-sponsored group health plans, such as pharmacy benefit managers, to adhere to the same fiduciary duties the employer is held to. That means working to save money for patients, and doing what is right for the plan’s beneficiaries. Today’s unregulated, “honor system” approach is not working. When PBMs are performing services on behalf of the employer, they are standing in the shoes of the plan sponsor and should be held accountable. ERIC applauds Representatives Auchincloss and Mackenzie, and Senators Marshall, Kaine, Grassley, and Hassan for leaving politics at the door and taking a bipartisan approach to clarify this important extension of current law,” said James Gelfand, President and CEO, ERIC.

The full text of this legislation is available ->   https://auchincloss.house.gov/imo/media/doc/pbm_fair_act.pdf

An Invite From Congressman Auchincloss to register for a Virtual Update with Q&A - Dec 15

Hi neighbor, On Monday, December 15, I'll be hosting a Virtual Update and Q & A. This is an opportunity for you to raise questions and hear updates on what I'm doing to represent the district's values & priorities. Details about the Q&A are below. I hope you'll be able to join me.  Congressional Update and Q&A with Congressman Jake Auchincloss     Monday, December 15 7:15 – 8:15 PM RSVP for the Zoom link HERE *By registering for this event, you grant our office permission to send you future communications and updates.   Jake Auchincloss

Congressman Jake Auchincloss Introduces ACA Copay Cost and Affordability for Patients (CAP) Act

Congressman Jake Auchincloss (D-MA) introduced the ACA Copay Cost and Affordability for Patients (CAP) Act to limit annual prescription drug cost-sharing for patients enrolled in health insurance plans through the ACA Marketplaces. Millions of Americans with ACA Marketplace coverage struggle to afford necessary medications, often facing thousands of dollars in out-of-pocket costs before reaching their plan's maximum limit. 

A 2025 analysis by No Patient Left Behind found that health exchange plans have increased patients' prescription drug costs by an average of 36 percent since 2021. The same analysis estimated that 5.6% of enrollees had annual pharmacy out-of-pocket costs greater than $2,000, significantly higher than the $560.75 average in 2023. 

Congressman Jake Auchincloss

The ACA Copay CAP Act would allow health plans to retain the majority of their plan benefit design flexibilities, while patients and taxpayers receive greater value from their premium subsidies and improved access to lifesaving medications. 

The ACA Copay CAP Act would: 

• Establish new out-of-pocket caps for prescription drugs: 

• Starting in 2027, self-only coverage on the ACA would include a $2,000 cap per year for prescription drugs. 
• Starting in 2027, family coverage on the ACA would include a $4,000 cap per year for prescription drugs. 

• Increase the annual cap as premiums increase each year: 

• Starting in 2028, the cap amount would increase each year based on the premium adjustment percentage set by the Secretary of Health and Human Services. 
• Annual increases would be rounded down to the nearest $50 increment. 

"Insurance doesn't work if the co-pays and deductibles are unaffordable," said Congressman Jake Auchincloss. "When people pay premiums to insurance companies, they should be able to trust that the insurer will cover them when a doctor prescribes a drug they need. My bill is a step towards repairing that trust."

"While Republicans fail to extend the Affordable Care Act premium tax credits for working families, Congressman Auchincloss is working to reduce the cost of health care in the ACA," said Darbin Wofford, Deputy Director of Health Care at Third Way. "Thanks to the Inflation Reduction Act, seniors now pay no more than $2,000 a year in out-of-pocket drug costs. Third Way applauds Congressman Auchincloss's introduction of the ACA Copay Costs and Affordability for Patients (CAP) Act to extend that same protection to people in the ACA Marketplaces."

"This bill will provide life-saving financial relief to millions of families. As prescription drug prices in the United States continue to spiral out of control, forcing families to choose between the medication they need and putting food on the table, Big Insurance's pharmacy benefit manager subsidiaries are profiting handsomely," said Wendell Potter, President of the Center for Health and Democracy and Founder of the Lower Out-of-Pockets NOW Coalition. 

"Over the past decade, the seven largest publicly traded health insurers have reported more than $500 billion in profits, including $146 billion spent on stock buybacks—profits extracted in part from unaffordable cost-sharing requirements that patients face at the pharmacy counter., Health care should be about patients, not profits. Which is why Congress should advance this vital legislation without delay." 

"Though ACA enrollment is up nearly 80% since 2021, too many health plans offer 'coverage' in name only. Prescription drugs comprise just 10 cents of every dollar spent on health care. Yet from 2021 to 2023, insurers increased pharmacy copay costs for the average enrollee by 36%, and 5.6% of people had more than $2,000 in annual drug costs,"  said Peter Rubin, Executive Director of No Patient Left Behind. 

Patients and taxpayers expect premiums to pay for actual treatments. It is time to improve health plan quality. Thanks to Rep. Auchincloss and the ACA Copay CAP Act, we're one step closer to real truth in insurance by requiring health plans and their vertically integrated PBMs to provide meaningful consumer protections from unaffordable out-of-pocket drug costs."

The following organizations support the ACA Copay Cost and Affordability for Patients (CAP) Act: No Patient Left Behind, Third Way, Center for Health and Democracy, Grady Legal, PA, California Physicians Alliance, A Healthier WE, Health Action New Mexico, Triage Cancer, Courage California, Hemophilia Federation of America, Coalition of State Rheumatology Organizations, Arnall Golden Gregory LLC, Small Business Majority, Boomer Esiason Foundation, Doctors for America, Society of General Internal Medicine, Progressive Coders Network, and Patients Rising.

The full bill can be found HERE. 

Officials Celebrate SNETT Trail Extension

A cold morning in mid-November, State Representative Jeffrey N. Roy (D-Franklin) was joined by Congressman Jake Auchincloss, local Franklin town officials and members of the SNETT Rail Trail Committee to celebrate the acquisition of rail line from Grove Street to Union Street.

Congressman Jake Auchincloss, left, gets a
tour of the site on Union Street in Franklin
of the extension of the SNETT Trail

“This is a tremendous win for the community and will truly boost the crossing neighborhood in Franklin,” said State Representative Jeffrey N. Roy (D-Franklin). “The extension of the rail trail will give families and individuals the opportunity to walk, bike and run through Franklin and beyond. I want to thank Congressman Auchincloss, Franklin officials and the Franklin Bellingham Rail Trail Committee for their persistence and commitment to Franklin’s resources and continuing to offer recreational and economic development options to the community.”

Representative Roy worked with Congressman Auchincloss to get CSX, a freight train company, and Franklin officials to provide a pathway for the town to acquire the rail line to turn it into an extension of the rail trail. That would connect the current trailhead on Grove Street to Union Street and extend the line across town. This extension makes the Southern New England Trunkline Trail an 80-mile recreation trail extending from Franklin to Connecticut.

"I am proud to be a part of the team to bring this vision to fruition" said Jamie Hellen, Franklin Town Administrator. "This acquisition will be the cornerstone of a revitalized Franklin Crossing Neighborhood and will provide an incredible opportunity for recreational enthusiasts, including bikers, hikers, walkers and many others to be able to access this 80 mile SNETT trail that will extend all the way to Connecticut. I want to thank Congressman Auchincloss, Rep Roy, the former Town Council for the support in acquisition and the Franklin-Bellingham Rail Trail Committee for their steadfast advocacy. This is a true partnership for the greater good of all residents!"

The rail trail extension is game changing in making Downtown Franklin a compelling destination both for locals and people from further afield.  Franklin will be the ideal starting point for a family walk or bike ride combined with a visit to local businesses,” said Paul Stamp, Vice President of the Franklin Bellingham Rail Trail Committee.

Massachusetts contributed $700,000 towards the purchase of the line and has committed and addition $1 million to prepare the trail for use. 

A group photo with Congressman Auchincloss,
Representative Jeffrey Roy, Franklin
town officials and members of the
Franklin Bellingham Rail Trail Committee

“This Rail Trail extension is a game-changer for Franklin—creating a welcoming trailhead and bringing new visitors into our downtown,” said Cobi Frongillo, Past President of the Franklin & Bellingham Rail Trail Committee and former Franklin Town Councilor.  “Our community has pushed for this connection for years, and it’s finally moving forward thanks to the persistence of town leaders and the leadership of Representative Roy and Congressman Auchincloss.”

You can follow the Rail Trail Committee page for updates ->   https://www.franklinbellinghamrailtrail.org/

Congressional Update and Q&A with Congressman Jake Auchincloss - Sep 14 in Franklin

Update and Q&A in Franklin‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

Hi neighbor, On Sunday, September 14, I'll be hosting a Congressional Update and Q&A in Franklin. This is an opportunity for you to ask questions and hear updates on how I'm working to represent the district. Congressional Update and Q&A with Congressman Jake Auchincloss Sunday, September 14 3:00pm – 4:30pm Franklin, MA Doors will open at 2:00pm.  RSVP here for location.  Live stream   Sincerely, Jake Auchincloss WASHINGTON 15 Independence Avenue SE 1524 Longworth HOB Washington, DC 20515 Phone: (202) 225-5931 NEWTON 29 Crafts Street Suite 375 Newton, MA 02458 Phone: (617) 332-3333 ATTLEBORO 8 North Main Street Suite 200 Attleboro, MA 02703 Phone: (508) 431-1110

Congressional Update and Q&A with Congressman Jake Auchincloss - Sunday, September 14

Update and Q&A in Franklin‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

Hi neighbor, On Sunday, September 14, I'll be hosting a Congressional Update and Q&A in Franklin. This is an opportunity for you to ask questions and hear updates on how I'm working to represent the district. Congressional Update and Q&A with Congressman Jake Auchincloss Sunday, September 14 3:00pm – 4:30pm Franklin, MA Doors will open at 2:00pm.  RSVP here for location.  Live stream   Sincerely, Jake Auchincloss WASHINGTON 15 Independence Avenue SE 1524 Longworth HOB Washington, DC 20515 Phone: (202) 225-5931 NEWTON 29 Crafts Street Suite 375 Newton, MA 02458 Phone: (617) 332-3333 ATTLEBORO 8 North Main Street Suite 200 Attleboro, MA 02703 Phone: (508) 431-1110

Jake Auchincloss takes WSJ to Fall River

Jake Auchincloss takes WSJ to Fall River

Jake Auchincloss (@JakeAuch) posted Tue, Aug 26, 2025:

"The Wall Street Journal came to Fall River with me to talk about Democrats' future in a city we lost for the first time in a century.

https://t.co/pvGJhFJxIe  or -> https://jakeauch.substack.com/p/simple-but-not-easy-20"

Shared from -> https://t.co/rC7uEBcQK6

Congressman Auchincloss: An invitation for Update and Q&A Weds, July 30 at 7:30 PM

Update and Q&A in Newton‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

Hi neighbor, On Wednesday, July 30, I'll be hosting a Congressional Update and Q&A in Newton. This is an opportunity for you to ask questions and hear updates on how I'm working to represent the district. Congressional Update and Q&A with Congressman Jake Auchincloss Wednesday, July 30 7:30 PM – 9:00 PM Newton, MA Doors will open at 6:30 PM    RSVP here for location upon registration for this event.  Live stream link here. Sincerely, Jake Auchincloss WASHINGTON 15 Independence Avenue SE 1524 Longworth HOB Washington, DC 20515 Phone: (202) 225-5931 NEWTON 29 Crafts Street Suite 375 Newton, MA 02458 Phone: (617) 332-3333 ATTLEBORO 8 North Main Street Suite 200 Attleboro, MA 02703 Phone: (508) 431-1110

Congressman Auchincloss Extends An invitation for Virtual Update and Q&A session Monday, July 21

Hi neighbor, On Monday, July 21st, I'll be hosting a Virtual Update and Q&A to discuss the future of health care. This is an opportunity for you to ask questions and hear how President Trump's policies through the "One Big Beautiful Bill Act" will impact health care and Medicaid coverage in Massachusetts, and how we can respond. Health Care Edition: Congressional Update and Q&A with Rep. Jake Auchincloss and special guest Michael A. Curry, Esq.  President & CEO, Massachusetts League of Community Health Centers Monday, July 21st 7:15 pm – 8:15 pm  RSVP for the Zoom link HERE   Sincerely, Jake Auchincloss WASHINGTON 15 Independence Avenue SE 1524 Longworth HOB Washington, DC 20515 Phone: (202) 225-5931 NEWTON 29 Crafts Street Suite 375 Newton, MA 02458 Phone: (617) 332-3333 ATTLEBORO 8 North Main Street Suite 200 Attleboro, MA 02703 Phone: (508) 431-1110

"The case for new cities"

via Congressman Jake Auchincloss & Jonathan Gruber: 

"It has become a truism that America can’t build anymore. Housing, infrastructure, and all nature of public goods are nearly impossible to build and irrationally expensive when we do so. The facts are stunning for such a diverse and dynamic economy. California is annually building 100,000 fewer homes than it needs to address affordability. A mile of subway costs two to seven times as much in American cities as in major European cities. One Chinese shipbuilder constructed more shipping tonnage in one year than America has since World War II. Georgia’s new nuclear power plant was seven years late and $17 billion over budget. And the list goes on.

"The case for new cities"

The solution seems straightforward: Cut the regulations that hold back builders. Over the decades, litigation and legislation have snowballed the number of veto points between the conception and execution of projects. Advocates on both the right and the left have argued against this vetocracy, cogently summarized in recent books like Abundance and Why Nothing Works.

That solution isn’t working fast or fully enough. Get-stuff-doners have been snipping away at the vetocracy for decades, with more frustration than success. In Massachusetts, for example, years of YIMBY effort culminated in the MBTA Communities Act, which compels higher-density zoning on sites near transit. Even the most optimistic projections, though, expect it to deliver no more than 40,000 units over the next decade for a state that needs a quarter million. 

These efforts deserve more support, but taken alone they won’t unlock enough building. This decade needs to deliver seven million units of housing and five Hoover Dams’ worth of nuclear power for America. We need radically new ideas."

Continue to read the joint essay ->  https://statesforum.org/journal/issue-1/the-case-for-new-cities/

ICYMI: Rep. Auchincloss ‘By Invitation’ in The Economist: “A congressman on how Democrats can regain the initiative on the economy”

In a recent guest essay for The Economist, Congressman Jake Auchincloss (D-MA) outlined a new framework for Democrats to reclaim voters' trust on the economy by treating cost disease—the economic phenomenon where prices in key sectors rise faster than wages year over year. Cost disease explains why rent and healthcare costs consume so much of Americans' wallets, and why that share keeps rising. Rep. Auchincloss sets out how treating cost disease, particularly in housing and healthcare, must be core to the Democrats' agenda for financial freedom. 

Please find below Rep. Auchincloss's op-ed:

"Cost disease is also known as the Baumol effect. It helps explain why rent and health care consume so much of Americans' wallets—and why, in the case of health care, the share keeps rising. William Baumol, an American economist, showed in the 1960s that inflation is not evenly spread across the economy. Service industries with low productivity growth inflate fast. Manufactured goods and automated services deflate prices.

The Baumol effect is both esoteric and everywhere. Housing and health care are prime examples: together they consume half of a typical middle-class family's income in America. Families wondering why their rent and health-insurance premiums are going up faster than their take-home pay are asking the question that Baumol helped to answer.

Three decades before Baumol described the problem, Theodore Wright, an American engineer, had found the cure for cost disease. Wright's law observed that cost per unit goes down as more units are produced. Want a service to be affordable? Turn the service into a product. Then, manufacture the product at scale to lower the cost per unit. New manufacturing jobs will not be taken from other countries through tariffs. They will be created from services, by turning them into products.

Rep. Auchincloss ‘By Invitation’ in The Economist

Take computers. A century ago, a "computer" was a person. Sitting side-by-side, hundreds of individuals scribbled out algorithms. It was an expensive service. Then a "computer" became a product. It was a machine as big as a room. That first product was expensive, too. But then computer manufacturing took off, and cost per unit fell. Today, computing is cheap. It was cured of cost disease.

Mass production requires consistent standards. Production is an act of learning. To compete, factory managers learn how to produce more with less. This learning under competition delivers Wright's law: that cost per unit falls as production increases. When product specifications change unpredictably, though, much of the learning on the factory line has to reset. Costs go up, not down.

Democratic states and cities have been changing and adding specifications (for multi-family housing, for instance) for decades, through regulations. Frustrated by the resulting high costs, politicians then send out money to constituents (in the form of, say, housing vouchers). In the short term this does help them muddle through. In the long term, though, cost disease is inflamed by this cycle of regulations that restrict supply and then subsidies that increase demand.

To lower costs, America needs to build a lot, fast, the same way. Housing should be the priority for mass production. Americans may perceive housing as a product—something you buy and own—but most of it is a service. It is constructed, not manufactured, and construction is labour-intensive, with low productivity growth. Since the 1960s, in fact, construction productivity has actually gone down. Manufacturing productivity, by contrast, has risen by more than 500%. Manufacturing more of America's housing could help deliver the 7m extra homes that the country needs, quickly and cost-effectively. Just like with computing, turning house-building from a service into a product would cure it of cost disease.

The government can help with both permitting and financing. For example, the Department of Housing and Urban Development (HUD) could issue an advanced commitment for thousands of manufactured housing units. Fannie Mae, a government-sponsored mortgage giant, could be used to finance this at low interest rates. HUD specifications could be made the national standard for building permits. And any city accepting federal low-income housing tax credits could be required to adopt not just that permitting, but denser zoning too.

When Austin, Texas adopted land-use reforms of this sort, apartment construction boomed and rents plunged. Cambridge, Massachusetts has followed suit. Those who doubt that Democrats can think differently on regulations, take note of Cambridge: a city where Kamala Harris won 86% of the vote adopted a new zoning law in which three-quarters of the text was to do with deleting old rules.

Health care is a more traditional Democratic issue. Democrats earned Americans' trust on health care by expanding coverage. Now, we must lower its cost.

There are two ways to treat cost disease in health care. The first is more conventional: turn custom services into mass-produced goods. Generic drugs, therapy bots and over-the-counter hearing aids are examples. Each affordable product meets a need that was previously addressed through expensive clinical services. Democrats should accelerate this service-to-product pipeline, which will require taking on various special interests within the health-care system.

The other way to reduce health costs is to deflect patients from the most expensive sites of care. In America, those sites are generally intensive-care units, emergency rooms, nursing facilities and jails. Interventions that reduce demand for beds at those sites help treat cost disease. Examples include lowering co-pays (deductibles) for prescription drugs, promoting telehealth for the old, expanding community health centres' footprint and taxing sugary beverages.

Health-insurance executives are likely to object that they do this already through their plans—or so they claim to Congress. Yet health-insurance premiums keep rising faster than inflation. Democrats should square off against the big insurers and show that we can lower costs where they will not.

The policies above, from housing to health care, are diverse. Yet they are not hard to communicate if brought together in the frame of the Baumol effect. Few Americans may know Baumol, but they are familiar with the feeling of prices rising faster than their pay. Republicans are making it worse with their chaotic tariffs. Democrats can make it better by treating cost disease." 

An invitation from Congressman Auchincloss - June 23, virtual update & Q&A

Hi neighbor, On Monday, June 23, I'll be hosting a Virtual Update and Q&A with a special guest from Protect Democracy United, a non-partisan advocacy organization. This is an opportunity for you to raise questions and hear updates on what I'm doing to represent the district's values & priorities. Democracy Edition Part II: Virtual Update and Q&A with Rep. Jake Auchincloss and special guest  Justin Florence, Managing Director and Co-Founder of Protect Democracy Monday, June 23, 2025 7:15 pm – 8:15 pm  RSVP for the Zoom link HERE **News media and other individuals may record or film the event and thereby capture, photograph, or record my voice, image, or likeness (the "Recordings"). By participating in this event, I agree to hold the Congressman, his Office, and his employees, agents, legal representatives, and those acting on his behalf harmless against any liability, loss, or damage (including reasonable attorney's fees) caused by or arising from the Recordings. By registering for this event, attendees also grant our office permission to send you future communications and updates. Sincerely, Jake Auchincloss WASHINGTON 15 Independence Avenue SE 1524 Longworth HOB Washington, DC 20515 Phone: (202) 225-5931 NEWTON 29 Crafts Street Suite 375 Newton, MA 02458 Phone: (617) 332-3333 ATTLEBORO 8 North Main Street Suite 200 Attleboro, MA 02703 Phone: (508) 431-1110