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They paid thousands for new solar panels. Then their Oregon contractor went dark
One man says he used all his savings to pay for solar panels that were never installed.
Gus Bilirakis, Jimmy Patronis push to allow first-time homebuyers to tap 529 college funds
'Saving for a first home feels further out of reach every year.'
Legislation would establish endowment funds to support women's collegiate sports
Overall, the act aims to shield collegiate women’s sports from market volatility and shifting funding priorities through a blend of private investment and whatever might be available through administrative savings.
‘Saving Lives’: Comic book combines science & storytelling
How a collaboration between Belgian scientists and publishers put vaccination on the map at the World Expo in Japan
How the Trump Administration’s Embrace of Oil, Gas, and Chemical Industry Interests Will Endanger Children’s Health
The Trump administration’s actions to eliminate lifesaving environmental protections would allow corporate polluters to emit more toxins and chemicals, exposing more than 2 million kids to pollutants that increase the likelihood of lifelong health concerns—such as asthma, autism, ADHD, and cancer—while undercutting the administration’s own “Make America Healthy Again” agenda.
Jim Crist: How affordability relates to income inequality and money in politics
A formula for saving America
Scientists finally explain statin muscle pain
Statins are a cornerstone of heart health, but muscle pain and weakness cause many patients to quit taking them. Scientists have now identified the precise molecular trigger behind these side effects. They found that statins jam open a critical muscle protein, causing a toxic calcium leak. The discovery could lead to safer statins that keep their life-saving benefits without the muscle damage.
Beyond your insurance card: How Covered California is changing health care
A quality overhaul is improving chronic care--and sending grocery aid and college savings to families who need it most.
Apple Wallet adds time-saving iOS 26 credit card feature, here’s how to use it
One of my favorite iOS 26 features in Apple Wallet is a convenient new way to manage and access credit cards. Here’s how to use it.
Are you on a high-deductible health plan? What do you wish you knew?
People with ACA health insurance just saw prices surge and many switched to plans with high deductibles and health savings accounts. If that's you, what do you wish you knew about how your plan works?
Council Speaker looks to savings, not taxes, for budget
Mayor Mamdani says the city faces a $12 billion budget gap.
Jackson Health CEO to step down. Who will be the new leader?
Carlos Migoya has led Jackson for nearly 15-years and is credited with saving the hospital system from financial ruin.
Apple Stops Selling $200 'Pro Apps' Bundle With Final Cut Pro and More
Following the launch of Apple Creator Studio this week, Apple has quietly stopped selling its valuable "Pro Apps Bundle for Education" (archived link). "Pro Apps Bundle for Education" included one-time-purchase versions of Apple's Final Cut Pro, Logic Pro, Motion, Compressor, and MainStage apps at a steep discount, with U.S. pricing set at $199.99. Purchasing each of the included apps separately costs $629.95, so the bundle provided more than $400 in savings.
AIDS health group challenges Florida’s planned medication cuts
Florida’s cuts could leave thousands without affordable access to life-saving medication.
Costco's lesser-known membership benefits explained
Discover hidden Costco member perks beyond bulk shopping: exclusive travel deals, auto discounts, prescription savings and professional home services.
The Science That Saved Briar’s Life
The two-year-old's medical care was transformed by research that connected her epilepsy to heart conditions—catching a two-minute pause in her heartbeat and leading to a lifesaving pacemaker surgery.
Extend the federal budget window to boost preventive health
Many strong health reforms get bogged down because the CBO fails to properly account for long-term savings. The AMA backs a new bill to change that.
Science shakeup at NASA
NASA has cut funding for key independent advisory groups that help guide the agency’s scientific research, citing cost savings.
The business of saving nature
Global financing is heavily skewed to industries that harm rather than preserve nature, according to a new report that calls for an urgent scale-up of nature-positive spending.
DIRECTV Entertainment for Your Community
Tired of high TV bills and outdated cable boxes? Upgrade your community’s entertainment with a smarter, more cost-effective solution. PulseNetTV delivers customized DIRECTV entertainment packages designed specifically for communities providing better content, clearer picture quality, and significant savings.
Microsoft admits Outlook might freeze when saving files to OneDrive
: January update is the gift that keeps on giving
Florida’s signature industry shows up for Tourism Day at the Capitol
Tourism spending produces an estimated $2K in tax savings per Florida family, VISIT FLORIDA says.
Getting laid off at 58 changed how I think about retirement
After being laid off at 58, she reexamined retirement myths and learned that cash flow matters more than hitting a magic savings number.
New statewide insurance trust enters 2026 with sustained growth and millions more in taxpayer savings
'By harnessing the power of the group district membership, FLEHT is able to perform for the whole what is not possible individually.'
My husband saves for retirement and I don't: Works for us
I've had a hard time envisioning my own retirement. My husband, meanwhile, has been saving since high school, and we've learned a lot from each other.
A take on the science of reading from a special educator
Beacon Journal readers write about the science of reader, a new state bill, energy-saving appliances and national politics.
AI answering systems are ‘saving the day’ for New England pizzerias. Customers aren’t so sure.
The artificial receptionists, being used to take orders and field calls, have been met with resistance from some customers who said they can’t get the service they are used to.
Costco Kirkland Signature vs. name brands: Price analysis shows savings
Costco sells a lot of brand-name goods for less than a typical retailer, but choosing the club's Kirkland Signature brand can really maximize savings.
I Replaced Microsoft 365 With This Free Alternative
LibreOffice is saving me money on an offline word processor, and it doesn't have Microsoft Copilot either.
Will Bengals cut free-agent addition after just one season?
Will the Bengals see the cap savings possible and cut a recent signing?
Trump health care plan doesn't help people facing skyrocketing ACA premiums
President Trump announced a plan that addresses drug costs and health savings accounts, but not the health insurance premium spikes millions of Americans are facing.
Trump Outlines Health Care Proposals as Prices and Premiums Rise
The long-awaited plan would leave much to Congress and calls for payments to health-savings accounts rather than insurance subsidies, among other broad proposals.
Business Briefs: Jan. 16, 2026
National Grid hosts in-person customer assistance events WALTHAM — National Grid continues its commitment to supporting customers with a series of in-person customer assistance events this month. With colder temperatures, these events are designed to help residents manage seasonal energy bills and explore cost-saving programs. At every location, National Grid customer service specialists will be available […]
Elon Musk says retirement savings 'won't matter' in 20 years: reaction
Elon Musk said retirement savings will be "irrelevant" in 20 years if he's right about an abundant future. Experts see challenges to that vision.
EPA to stop calculating deaths avoided and health care savings from air pollution rules
The change means the EPA will focus rules for two pollutants only on the cost to industry, part of a realignment under President Trump toward a business-friendly approach.
Unhoused women on Skid Row face dire health outcomes. This doctor wants to change that
Homeless women face unique health challenges with few dedicated resources. And as the number of women experiencing homelessness in Los Angeles continues to grow, Dr. Mary Marfisee hopes to bring them lifesaving resources.
EPA says it will stop calculating the economic savings to health in key air pollution rules
The Environmental Protection Agency says it will stop calculating the economic savings of health benefits from air pollution rules
'Masterpiece' war film better than Saving Private Ryan is streaming for free
"One of the best war movies ever made" that's based on a heroic true story is ready to watch.
18 Costco items shoppers say basically pay for a membership
Costco charges a $65 membership fee to shop, and a common question is whether the savings can effectively offset the fee. We did the math.
I went all in on my trailrunning hobby, saving my career and identity
The best way to save your career from the white-collar apocalypse: Get a hobby.
Trump’s plan to strong-arm insurers into lower prices is met with skepticism
There are reasons to be skeptical that voluntary cuts by insurance companies could bring significant, lasting health care savings for Americans.
Tampa named top 5 for business headquarters | FOX 13 Tampa Bay
A life-saving business is eyeing Tampa as its new United States headquarters. It comes after Tampa was named a top destination to set up business headquarters by a Site Selection survey. FOX 13's Danielle Zulkosky reports.
AquaFence considers move to Tampa as city named among top 5 for business headquarters in survey
A life-saving business is eyeing Tampa as its new United States headquarters.
Why saving money isn't enough for small business owners
Listen and subscribe to The Big Idea with Elizabeth Gore on Apple Podcasts, Spotify, or wherever you find your favorite podcast.Having enough capital is critical when running a business - but saving income isn't enough to help grow wealth... This week on The Big Idea with Elizabeth Gore, Howard Enterprise founder and the Wall Street Trapper Leon Howard joins the show to answer the question: How can I use a Wall Street mindset for my business? Howard, a financial educator, shares his expert advice for entrepreneurs on how they can grow their wealth and business, and set themselves up for long term success. Yahoo Finance’s The Big Idea with Elizabeth Gore takes you on a journey with America’s entrepreneurs as they navigate the world of small business. This post was written by Lauren Pokedoff
UMaine to host annual National Girls & Women in Sports Celebration, Feb. 7
Orono, Maine -- You're invited to join the University of Maine in the annual National Girls and Women in Sports Day celebration when the women's basketball team hosts Bryant on Saturday, Feb. 7. This year's National Girls and Women in Sports Day celebration is presented by Bangor Savings Bank, Aroma Joe's, Law Office of Joe Bornstein, Hannaford and in partnership with Strong Girls United
TCL upgrades eye-saving NXTPAPER series with a new phone and note-focused tablet
The NXTPAPER lineup from TCL is getting more love, with a new Android phone and tablet with better quality-of-life features...
Policy Changes Bring Renewed Focus on High-Deductible Health Plans
Policy changes, anticipated increases in premium costs for enrollees, and new standards for health savings accounts may encourage consumers to seek out plans with lower premiums but higher deductibles. This issue brief explores the features of bronze and catastrophic plans, coverage and costs, and the complicated choices consumers face.
To Knock Down Health-System Hurdles Between You and HIV Prevention, Try These 6 Things
It’s been more than 10 years since the FDA first approved an HIV prevention drug. Today, people who could benefit from preexposure prophylaxis often struggle to access the lifesaving medicine or run into doctors without the education or empathy to offer affirming care. And those lapses can produce billing headaches.
Will health savings accounts replace ACA subsidies for some Americans?
Health savings accounts are popular among U.S. workers. Will these accounts take on larger role in how U.S. consumers pay for and get health care?
Health care data incident affects 600K patients, Illinois agency says
Information such as addresses and case numbers were publicly viewable for around 32,000 customers with the Illinois Department of Human Services’ Division of Rehabilitation Services and another 670,000 Medicaid and Medicare Savings Program recipients, the agency said.
Save $75 on YouTube TV With This New Offer
YouTube TV is ringing in the new year with a limited time offer for new subscribers. If you’re signing up for the first time, you can save $15 per month for five months, for a total savings of $75. What to Know About This Limited Time Offer What to Know About YouTube TV
Business Owners Can Now Calculate Estimated Tax Savings in Seconds Using Gelt’s AI-Powered Calculator
Gelt, an AI-native tax firm serving high-net-worth individuals and scaling businesses, has launched the Gelt Calculators for Smarter Tax Savings hub.
Are you up for a savings challenge this year?
It’s 2026, and the new year brings us fresh hope. We’re packing our gym bags, pledging to be more present with our loved ones, and working to secure our financial health.
Health advances marked 2025, even as wars and funding cuts strained systems
From eliminating deadly infections to expanding access to lifesaving vaccines, 2025 delivered meaningful progress for global health, according to the UN World Health Organization (WHO), offering cautious optimism at the close of a year marked by both breakthroughs and strain.
Commentary: Thank you, L.A. sports teams, for saving me during the worst year
Will Smith, Miguel Rojas, Andy Pages, Luka Doncic and so many others delivered marquee moments that helped me endure a terrible 2025.
Gwyneth Paltrow addresses discourse over 'Shakespeare in Love' winning Best Picture Oscar over 'Saving Private Ryan'
Gwyneth Paltrow opens up about the discourse over 'Shakespeare in Love' controversially winning the Best Picture Oscar over 'Saving Private Ryan,' which was directed by her godfather Steven Spielberg.
The business turning rejected produce into savings and cutting food waste
From a game-saving interception to a 95-yard touchdown: KETV Sports reflects on top 7 Husker football plays
It wasn't the season that Husker fans were hoping for, but there were still some good moments from 2025, including that memorable opening night at Arrowhead Stadium.
Madeleine’s Shin Splint Scare Leads to Leg-Saving Play at MU Health Care
Madeleine cherished the camaraderie of college soccer, but recurring injuries — including a chronic stress fracture in her right tibia — ultimately ended her career and required surgery during Thanksgiving break in 2022. A surgical complication involving a nerve block caused severe damage, leading her surgeon to refer her to MU Health Care’s Limb Preservation Program.
Public Health Informatics Specialist
📊 DATA MEETS PUBLIC HEALTH! 📊Northern Nevada Public Health is seeking a PUBLIC HEALTH INFORMATICS SPECIALIST to turn data into life-saving insights! 💡 $78,936/yr + excellent benefits & NV PERS retirement! 📍 Reno, NV | Perfect for you if you have: Bachelor’s in computer science/data sciences and 2+ years health informatics experience; OR an equivalent combination of training and experience ✅ Skills in SQL, R, Python, Power BI desired | Ready to start the new year using your tech skills to improve public health outcomes? This role combines cutting-edge data analysis with meaningful community impact! 🚀 You’ll analyze health data, support disease surveillance, and help shape public health decisions that protect our community! 🌟👉 Apply now: https://www.governmentjobs.com/careers/washoecounty ⏰ Application Deadline: January 30! #HealthInformatics #HealthStatistics #DataScience #PublicHealth #WashoeCounty #TechJobs #RenoJobs
Nine mental-health tips for a happier 2026
Regardless of any resolutions you may have for 2026, one thing is for sure: Everyone wants to have a happy new year.While losing weight or saving money may be great goals, the most straightforward path to happiness is caring for your mental and emotional health. A robust body of research shows that simple cognitive and behavioral strategies can reliably boost happiness and reduce stress – and they’re generally free and accessible to all.These strategies don’t have to be super time-consuming, but they do require intention: They only work if you do them.Here, psychologist Valentina Ogaryan, PhD, clinical director of the Simms/Mann UCLA Center for Integrative Oncology, shares her top tips for cultivating more calm, centeredness and happiness in the new year (or anytime):Make time for playPlay isn’t just for kids, and it’s far from frivolous. The National Institute for Play says engaging in silliness, fun and just-for-pleasure activities reduces stress and increases optimism and resilience. A recent review also found that play improves mental health.“Adults can benefit from play as much as children,” Dr. Ogaryan says, “not just as a reward, but something that helps regulate.”So go ahead and dance with your dog, build something with Legos, tell a joke, sing karaoke or do anything else that feels like fun. Don’t worry about being productive, just enjoy yourself. And, if you can, opt for more analog play, Dr. Ogaryan suggests, as a respite from our ever-more-digital world. Move your bodyWhether you dance, ski, do yoga, play pickleball, ride a bike, roller-skate, hike or lift weights, physical movement benefits overall happiness and well-being. A 2018 review study of more than 1.2 million adults in the U.S. found that doing any kind of exercise was “significantly and meaningfully associated” with better self-reported mental health.The sweet spot was 45 minutes of movement three to five times a week, but even short bursts of physical activity can boost brain health, according to the Centers for Disease Control and Prevention.“Movement helps support mood and regulate the nervous system,” Dr. Ogaryan says.Plus: exercise can improve sleep quality, and sleep is essential for mental health.Prioritize sleep“Sleep plays a major role in managing stress,” Dr. Ogaryan says. Research shows that lack of sufficient sleep increases the risk of various diseases, including depression.While stress can interfere with sleep, practicing good sleep hygiene can make logging ZZ’s easier. That means maintaining a consistent bedtime; keeping the bedroom cool, dark and quiet; and avoiding social media, news and stimulating shows before bed.Consume lessWe live in a consumer culture, inundated by endless streams of content and advertising everywhere we go, which makes it easy to get overstimulated.“Something really helpful for stress reduction is to simply consume less,” Dr. Ogaryan says – less news, less social media, less information, less noise, less screen time. “It’s about reducing the input,” she says.Consider setting a maximum number of news articles per day, for example, or a time limit on scrolling. Maybe even go device free for an afternoon or a whole day.Practice present-moment awarenessWith so much coming at us all the time, focusing on the here and now can make life feel more manageable, Dr. Ogaryan says: “When everything feels super overwhelming, when everything feels larger than life, let’s make our world a little bit smaller for that moment in time.”She suggests taking things one day, or even one hour, at a time. Ask yourself: What’s my next right action? Release the need to know how everything turns out and liberate yourself from having to handle everything right now. Let the future take care of itself and just focus on the current moment. Then the next one. Have a daily anchorFrom work to the daily commute to family and life responsibilities, our days can feel jam-packed. Dr. Ogaryan recommends creating a centering daily anchor that can fit into even the busiest day.Maybe it’s a 10-minute walk during your lunch break or mindfully enjoying your coffee in the morning. Let your anchor adapt to your needs each day, she says, but be intentional about using that time to ground yourself and calm your nervous system. You might even say to yourself, “I choose this walk to help me become centered,” or “My day already feels stressful, so I’m going to take the next 10 minutes to enjoy this cup of coffee, feel the warm mug in my hand and just be present.” Having an anchor won’t erase the busy-ness from your day, but it will allow you to approach it more calmly.Be kind to yourselfMost of us have a harsh inner critic in our heads who works overtime. But that critical voice only increases our stress, triggering the same fight-or-flight response as caustic words from another person.To feel happier, we need to replace that inner critic with a kinder, more compassionate voice, Dr. Ogaryan says. Studies show that self-compassion is a source of eudaimonic happiness – the kind of happiness associated with purpose and meaning in life.While our knee-jerk reaction may be to self-criticize – “How could you let it get to this point? You didn’t manage your time well and now the project is going to be late. You’re so inept.” – we fare better mentally by treating ourselves with kindness, like we would a friend. That might sound like, “You’ve got a lot on your plate, but you are capable and you’ll get it done. I believe in you.”We may think that speaking kindly to ourselves means letting ourselves off the hook, so we end up becoming lazy do-nothings. But research shows the opposite: People who are self-compassionate are more likely to try harder in the face of failure and ultimately reach their goals.You can thank your inner critic for its good intentions, but resolve to talk to yourself in a kind, compassionate voice.Connect with othersHumans are social animals built for connection. Stress can be isolating and cause us to withdraw, but connecting with others is a salve for the psyche, Dr. Ogaryan says.“We know that not all relationships are always easy, but if we can think about intentional, nourishing connection – even in really small doses – it could really help center us,” she says.Take a moment to laugh with your colleagues, hug your pet, have a conversation with a friend or smile at the barista making your coffee. A study found that even tiny interactions with casual acquaintances and strangers decreases loneliness and improves happiness and well-being.Seek supportIf you try these practices and happiness remains elusive, or if you can’t access the wherewithal to follow these tips, seek support from your physician or a therapist. Mental health conditions are among the most common health issues in the U.S. and around the world – more prevalent than diabetes or heart disease. One in five people in the U.S. experiences a mental illness each year, with depression and anxiety the most common, according to the National Institute of Mental Health.“We can all think about these tips,” Dr. Ogaryan says. “But it’s important to recognize if you’ve done everything you can and you’re still really struggling, it’s really important to seek help.”
Risk, hard work and sacrifice: Hispanic small business owners fight and thrive
Hispanics across North Texas have invested their life savings into small businesses even amid economic turbulence and immigration anxieties.
I was laid off by Oracle 2 years ago and still can't find a job. I've blown through my savings and now sell antiques to stay afloat.
After being laid off by Oracle, Clair Todd has spent about two years job hunting, reselling antiques, and rethinking her pivot to the tech industry.
Cross-border shopping now on 'even keel', business leaders say
Dundalk Chamber of Commerce said most cross border shopping is now for a day out rather than the expectation of making large savings.
I Spent $160,000 of My Family's Savings to Bootstrap a Startup — Here's What No One Tells You About Funding
Every dollar counts, and you quickly learn to focus on paying customers and measuring ROI before chasing vanity metrics.
Do it for Trump: Treasury pushes businesses, wealthy people to contribute to 'Trump Accounts'
A pair of major contributions from business titans recently is part of a strategy to pump money into the new savings plans for children.
SeaWorld Parks Light Up the Season with Dazzling Displays, New Holiday Entertainment, and the Best Savings of the Year
/PRNewswire/ -- SeaWorld parks across Orlando, San Diego, and San Antonio are celebrating the holiday season with millions of twinkling lights, new...
Evaluation of WHO’s coordination in health emergencies helps guide humanitarian reforms
The recent evaluation of the Global Health Cluster sheds new light on how WHO, in its unique role as the Inter-Agency Standing Committee (IASC) Cluster Lead Agency (CLA) for health, coordinates life-saving health responses in humanitarian crises. It highlights how WHO works through partnerships to reach the most vulnerable crisis-affected populations and strengthen collective action in increasingly complex emergencies. Serving both learning and accountability purposes, the evaluation provided timely and actionable recommendations that are helping to strategically position WHO during the ongoing IASC Humanitarian Reset and the broader UN 2.0 reforms, where prioritization and new ways of working are taking shape. The evaluation was conducted between 2024 and 2025, at a time when humanitarian action funding was plummeting by more than 50%, triggering the launch of the IASC Humanitarian Reset. While restructuring and prioritization across the humanitarian landscape were underway, the evaluation, through iterative feedback loops, shared emerging findings that helped identify the most crucial coordination functions needed. This was especially important at a time when humanitarian needs and health risks due to armed conflict and natural hazards were increasing, while the capacity of health partners to support Member States to equitably reach all populations affected by crises and deliver response was at risk. The evaluation found that the Global Health Cluster (GHC) remains a highly relevant mechanism for strengthening health coordination in crises and has delivered efficiently despite limited resources. It noted strong collaboration with partners and highlighted opportunities to deepen integration within WHO structures and further enhance inter-cluster cooperation. The evaluation also identified areas where greater emphasis on transition planning, national coordination capacity and linkages between humanitarian response and health system strengthening would bring added value. While the GHC has achieved many of its strategic objectives, improvements in monitoring systems would help better demonstrate collective impact. The recommendations will help strengthen the IASC CLA coordination function across WHO, at all levels, and with all partners. It is noted that going forward WHO needs to continue to support capacity to fulfil coordination functions, in line with the IASC Humanitarian Reset whilst ensuring collective prioritization of health cluster action and quality coverage of the health response. The evaluation will help WHO strengthen locally-led action, national ownership and leadership of the sector, and linkages between health system strengthening activities. Additionally, the evaluation evidence will be used to optimize resource mobilization for the GHC and strengthen WHO’s capacity to deliver, plan for and monitor and evaluate results across the Organization. Read the evaluation Global Health Cluster https://healthcluster.who.int/ WHO’s work in health emergencies https://www.who.int/emergencies/overview
"What's Your Story?" A Small Business Giveaway 2026 Presented by Torrington Savings Bank
“What’s Your Story?” A Small Business Giveaway 2026 Presented by Torrington Savings Bank in partnership with Hartford Business Journal Hartford Business Journal and Torrington Savings Bank are the “Sponsors” of […]
Trump signs order to ease restrictions on cannabis
Trump's order moves cannabis to Schedule III, potentially saving Maryland businesses millions in taxes and improving access to capital.
My husband's stress around saving for retirement is exhausting. I know we'll be fine — how do I get through to him?
"For Love & Money" answers your relationship and money questions. This week, a reader struggles with her husband's stress about saving for retirement.
Children’s Miracle Network reaches historic fundraising milestone
Children’s Miracle Network (CMN) has reached a historic milestone, surpassing $100 million raised to support lifesaving care at Golisano Children’s Hospital at Penn State Health Milton S.
PayPal plans to launch bank serving small businesses around the US
PayPal files with Utah and the FDIC to launch PayPal Bank, an industrial loan company offering small business lending and FDIC-insured savings accounts.
PayPal applies to form bank that can offer small business loans and savings accounts
PayPal has applications pending with the state of Utah and the Federal Deposit Insurance Corporation to establish PayPal Bank.
The high cost of the U.S. sports betting boom
Betting eats into savings, not just fun money.
Can Lawmakers Find a Solution to Expiring Health Care Subsidies?
The United States Senate rejected a pair of health care bills that would have delivered relief to more than 20 million Americans before the end of the year. Now, cost-saving subsidies added to the Affordable Care Act in 2021 are likely to expire on New Year’s Eve, causing patient prices to increase by as much as 100%. NBC’s Anne Thompson reports in this week’s Sunday Focus.
After 3 tech layoffs, I knew I had to lean into being a founder
After going through multiple layoffs as a UX designer, Kelly Withers used her savings to fund her startup, Carmu, which sells yoga mats.
AI-powered FFR-CT software linked to considerable cost savings, accurate predictions
According to Heartflow, its AI offering saves health systems nearly $1,400 per patient thanks to reductions in unnecessary cardiovascular testing.
Health care costs are set to rise for millions as Senate rejects bill
The Senate shot also shot down advancing a bill that would've deposited $1,000 to $1,500 into health savings accounts, or HSAs, for eligible consumers
Senate GOP health care plan fails on mostly party-line vote
LIVE coverage: Senate votes on second health care proposal, defense funding A Republican-drafted proposal to set up health savings accounts for people who buy their health insurance on the Affordab…
Trump administration live updates: U.S. Senate to vote on dueling health care bills; Indiana Senate to consider new maps
The Senate is expected to vote on a GOP health care proposal that aims to put money in health savings accounts, alongside a Democratic bill to extend expiring ACA tax credits.
IRS releases health savings account expansion details under Trump's 'big beautiful bill'
IRS releases health savings account expansion details under President Donald Trump's "big beautiful bill." What it means for ACA health plan enrollees.
The New WHO Pandemic Treaty and Global Health Governance: Incorporating Common but Differentiated Responsibilities into PABS - Georgetown Journal of International Affairs
On May 20, 2025, the World Health Assembly unanimously adopted the World Health Organization (WHO) Pandemic Agreement, an international treaty designed to strengthen pandemic prevention, preparedness, and response. The product of three years of arduous negotiations, the treaty marks a new era of global cooperation in public health. However, core aspects of the agreement remain unresolved—notably the Pathogen Access and Benefit-Sharing (PABS) System, which is intended to ensure equitable access to pandemic-related materials and benefits. To support the successful implementation of the WHO Pandemic Agreement, the principle of “common but differentiated responsibilities” should be formally incorporated into the negotiating agenda of the PABS annex. Introduction For the first time, an international treaty has enshrined the principle of “One Health,” the compelling idea that the health of animals, humans, and the environment all contribute to pandemic risks. SARS (2003), H1N1 (2009–10), Ebola (2014–16), and COVID-19 all emerged through zoonotic spillover from animal hosts—respectively, civets, hogs, and bats. Together, they underscore the need for a coordinated, cross-sectoral approach. The Pandemic Agreement responds to this call, requiring state parties to acknowledge the ecological interplay and commit to a comprehensive “One Health” strategy. Specifically, Article 5 charges governments to address “the drivers of pandemics and the emergence and re-emergence of infectious disease at the human-animal-environment interface,” including wild animal markets, deforestation, and antibiotic overuse. Yet the effectiveness of this “One Health” vision depends equally on the free flow of scientific information and data among countries and institutions. Just as environmental and animal health factors have been neglected in past global frameworks, so too has data sharing been marginalized, despite its centrality to timely detection and response. The Pandemic Agreement takes an important step by requiring governments to enhance data collection and cooperate with the World Health Organization (WHO). However, these provisions will remain aspirational without a robust Pathogen Access and Benefit-Sharing (PABS) annex. The PABS system will determine whether countries and researchers can rapidly exchange pathogen samples and genetic data while ensuring equitable access to resulting research and development, including diagnostics, therapeutics, and vaccines. Without such mechanisms, the treaty’s promise to operationalize “One Health” and strengthen global preparedness will risk becoming largely symbolic, echoing earlier failures to translate shared principles into coordinated action. Equity Concerns When the 2025 Health Assembly adopted the Pandemic Agreement, it left the difficult question of access to pathogens and the sharing of resulting benefits to be addressed in a separate agreement. Negotiations on this separate agreement, PABS, are now underway in Geneva. Yet governments remain divided over fundamental questions of equity between the countries that primarily contribute to the system and those that primarily draw from it—and consequently benefit. For example, wildlife in countries bordering the equator is likely to produce PABS materials, but companies in Europe are likely to use them to develop lucrative products. The most likely contributor countries are likely to be those biodiverse countries around the equator, such as Brazil, the Democratic Republic of the Congo, and Indonesia, where the number of human-mammalian viral host interactions is large. Conversely, countries most likely to benefit from this material are those with the technology, investors, and infrastructure to capitalize on genomic data, such as the United States, EU member states, and Japan. This imbalance reflects a broader pattern seen in prior international frameworks. Now, as in the past, the wealthiest countries in the world (a useful heuristic is membership of the Organisation for Economic Co-operation and Development (OECD)) disproportionately benefit from systems in which pathogens and genomic sequencing data are contributed to a common source. Under the International Agreement on Plant Genetic Resources for Food and Agriculture (the “Plant Treaty” or “Seed Treaty”) and the Pandemic Influenza Preparedness (PIP) Framework, companies from Europe and North America disproportionately withdraw biological samples and data for development into lucrative medical products. Their governments and companies have both statutory and contractual claims to the products that those companies correspondingly produce. PABS appears poised to follow the same pattern. The text calls for strong language on access to pathogens and associated data, but the corresponding benefits that should flow to poorer countries are couched in equivocal or non-binding language. Common but Differentiated Responsibilities To address these inequities, the principle of “common but differentiated responsibilities” should be formally incorporated into the negotiating agenda of the PABS annex. Common but differentiated responsibilities are often a feature of climate change negotiations. The basic principle is that, even though all countries should reduce carbon emissions, governments that became rich and powerful through massive carbon emissions (e.g., France, the United Kingdom, the United States) should have a greater obligation to address the resulting crises. Applied to PABS, it would require that governments hosting and supporting companies developing lucrative products carry greater obligations toward the cost of running the PABS system; share benefits or final medical products; and transfer technology to help countries worldwide develop their own capacities to innovate and manufacture vaccines during an emergency. For example, an annex could mandate that any company based in an OECD country that withdraws PABS material would be obligated to donate the resulting diagnostics, therapeutics, or vaccines to the WHO during a public health emergency or pandemic. Questions remain about how robust those donations would be, but the principle is that they should deliver highly significant lifesaving benefits to be equitably shared. Theoretically, this approach mirrors the PIP Framework, in which companies withdrawing influenza samples are required to pay half of the operating costs. In practice, however, the framework has fallen short. The PIP Framework Secretariat has struggled to secure payments from companies, with companies often disagreeing over how much is owed. Additionally, without another pandemic influenza to test the strength of the agreement during a public health emergency, corporate compliance with sharing mechanisms remains unknown. Even if these limitations did not characterize the PIP Framework, partially paying for operating expenses does not address the inequity in access to genetic data and pathogen samples that left less developed countries last in line for COVID-19 vaccines (and, before them, H1N1). Common but differentiated responsibilities would go further, addressing governments’ legitimate grievances regarding information sharing. It would make withdrawals of PABS material and resulting products more transparent, building trust across the board. Enforcement and Enduring Success A key implication of this approach is that the governing mechanism of the PABS must have real enforcement authority. The WHO Pandemic Agreement delegates its core governance responsibilities to a Conference of the Parties (COP)—a governing body composed of one representative from each participating government, similar to those established under the UN Framework Convention on Climate Change and the WHO Framework Convention on Tobacco Control. The proposed WHO Pandemic Agreement COP is charged with oversight functions but ultimately possesses no real authority to compel a government to take any action it does not wish to take. The text does not give the COP the ability to, for example, sanction a party that does not comply with either textual obligations or PABS provisions. In other words, there are no effective mechanisms in place to ensure compliance. Perhaps just as significant, establishing a meaningful enforcement mechanism within the PABS system would strengthen the WHO’s credibility and its ability to ensure compliance across global health governance. By setting a precedent for accountability, such a mechanism could enhance the organization’s authority not only within the Pandemic Agreement but also in enforcing the revised International Health Regulations and other frameworks for public health emergencies. Conclusion The PABS annex can—and should—be different. It should establish clear responsibilities for funding as well as for sharing the diagnostics, therapeutics, and vaccines that result from contributions to the system. The system, in turn, must include a dedicated body empowered to hold governments and the corporations they sponsor accountable for their responsibilities before, during, and after pandemics. Doing so would restore trust in the broader agreement, which was eroded as commitments were repeatedly diluted while parties scrambled to meet their own self-imposed deadlines during the Pandemic Agreement negotiations. A robust PABS Annex would cement a grand social bargain. Wealthier countries and their corporations would gain unimpeded access to scientific information essential for developing and manufacturing lifesaving medical products. As such, they would stand to gain considerable economic benefit. Yet that privilege must be matched with responsibility. The grand bargain must include not only the right to innovate, but also the duty to ensure that innovation serves all. As medical products are developed and produced through collective contributions, every person must have equal access. All human beings deserve an equitable chance to survive—to save their own life, the lives of their families, and the well-being of their communities. … Sam Halabi, JD, MPhil, is the Bette Jacobs Endowed Professor at Georgetown University’s School of Health and the Director of the Center for Transformational Health Law at Georgetown Law. He serves as the co-lead for the WHO’s Working Group on Regulatory Consideration on AI and Health’s training workstream. He earned his JD from Harvard, his MPhil from Oxford, and undergraduate degrees from Kansas State University. Lawrence Gostin, LLD (Hon.), JD, BA, is University Distinguished Professor and Founding Director and Timothy and Linda O’Neill Professor of the O’Neill Institute for National and Global Health Law. He is the author of Global Health Security: A Blueprint for the Future (Harvard University Press, 2021); Global Health Law (Harvard University Press, 2014); Public Health Law: Power, Duty, Restraint (University of California Press, 3rd ed., 2016); Public Health Law and Ethics: A Reader (University of California Press, 3rd ed., 2018); Law and the Health System (Foundation Press, 2014); Principles of Mental Health Law & Practice (Oxford University Press, 2010). He also directs the WHO Collaborating Center at Georgetown University. Image Credit: United States Mission Geneva, CC BY 2.0, via Wikimedia Commons
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