Health care costs are rising sharply, placing stress on employers, individuals, and families. As employers look to rein in benefit costs, they are increasingly turning towards health insurance options that feature greater employee cost sharing through higher deductibles, co-payments, and other forms of out-of-pocket expenses. Others are dropping coverage entirely. Financially stretched low- and middle-income families, however, can scarcely afford these higher medical expenses.
Although Americans of all ages have endured the economic and social changes ushered in by a shift from an industrial to a technology- and service-based economy, today’s young adults are the first to experience its full weight as they try to start their lives. But the challenges facing young adults also reflect the failure of public policy to address the changing realities of starting, and building, a career and family in 21st century America.
Most parents with children under the age of 6 are in their late 20s or early 30s, making issues of family leave, child care, and work flexibility of core concern to young adults under the age of 34.
Young families across the income spectrum are financially and emotionally stressed by the demands of work and family, yet our nation has failed to address these issues in any systematic or holistic fashion.
Over the past decade, rents and home prices in major cities across the country have escalated rapidly. As young adults transition from college into the workforce, already owing an average of $20,000 in student loan debt, securing affordable housing in the current market can pose an overwhelming challenge.
Debt has become a generation-defining characteristic for today's young adults. The problem often begins with student loan debt, which today affects both community college and university students. In addition, today's young adults are relying more on credit to cover basic living expenses, particularly during those first few years in the workplace. As starting salaries have failed to keep pace with rising student loan bills, housing costs or health care costs, for many young adults the credit line becomes a lifeline.
Job security and stability were defining characteristics of the U.S. labor market from the 1950s to the mid-1970s. A large portion of the workforce was unionized, and workplace benefits such as health insurance and pensions were standard. Today, young workers can no longer expect to work at a company with the intention of staying until retirement. Union membership has dropped to just 8.6 percent of the private-sector workforce, and benefits are becoming increasingly rare. Job instability is the new reality.
In today's knowledge-based economy, a college degree is a necessary qualification for entry to the middle class. Over the last 30 years, as real wages for workers with only a high school diploma have fallen, the life outcomes for those with college degrees have diverged from those with only high school degrees. In 1977, for example, there was only a 6 percentage-point difference in home ownership rates between those with college educations and those without. Today, there is a 20 percentage-point difference.
In response to ever-increasing financial pressures, families have come to depend on high-cost credit as a way to bridge the gap between stagnant or decreasing incomes and rising costs. How are families coping with their new burden? To hang on to the American Dream, to be part of the ownership society, homeowners are depleting their home equity to pay off a growing mountain of unsecured debt—a financial strategy fraught with serious consequences.
In the final days of the 2006 campaign, as in any election year, citizen interest is peaking as election news--and debates on the issues--becomes more pervasive in the media. Unfortunately for America's voters, in all but eight states (one of which does not require voter registration) , if you are not already registered to vote in this week's election, it is too late. There are seven states, however, where eligible voters are not hampered by arbitrary deadlines, no matter when they become engaged by an election, and can register to vote on Election Day itself.
Political candidates win elections by generating more votes than their opponents. A vigorous and superior get-out-the-vote campaign is commonly understood to be the key to success. A less recognized but all-too-familiar alternative tactic is to intimidate their opponents supporters and suppress their votes. Voter intimidation and vote suppression campaigns are often mounted in communities of color, where voter participation is more tenuous. Few states have enacted clear and effective prohibitions against these abuses.
Representational Inequality: Bad for Democracy Economic inequality in America has been spiraling out of control in recent decades. The income gap between the rich and the poor in America has steadily increased since the early 20th century and is at its largest in 40 years. Unfortunately, this also translates into political inequality. According to the 2004 U.S. Census, 59 percent of citizens in households making less than $15,000 a year were registered to vote versus 85 percent of those in households making $75,000 or more.
If elections are the foundation of our democracy, then poll workers are the gears and wheels that make the mechanics of democracy function on Election Day. Regrettably, this human factor is often overlooked and under-supported. States squeak by each year with a bare minimum of poll workers who receive inadequate training for an increasingly complex task. Recent surveys, press accounts, and troubled primary elections attest to the problem.
Felony disfranchisement is the practice of denying people with felony convictions the right to vote. The American tradition of states determining their own election laws has led to a national patchwork of policies and practices that result in de jure and de facto denial of the vote based on felony conviction status Currently, most states impose some voting restrictions on people with felony convictions, ranging from a prohibition from voting while incarcerated to a virtual lifetime ban.
A properly functioning democracy encourages all eligible citizens to participate in elections. Our nation's commitment to this goal has resulted in landmark laws to assure that access to voting is available to all, including persons with disabilities and U.S. citizens who may have limited proficiency in English.
The 2000 election will be remembered as a national debacle in which millions of citizens were denied the right to vote and have that vote be properly counted. To remedy the problems of 2000, Congress passed the Help America Vote Act of 2002 (HAVA). One of HAVA's principal provisions required states to adopt a system of "fail-safe" voting in which a person who goes to the polls, but whose name is not on the voter lists or who cannot produce the necessary identification, is allowed to vote on a provisional ballot.
As a nation, we now face a serious threat to the very nature of our democracy, and the core American belief that wide electoral participation by as many eligible voters as possible is central to our prosperity and success. With salacious and often unfounded allegations of efforts to vote by non-citizens, the deceased, felons and even pets, partisans, fringe organizations, and opinion makers of all kinds have pressed for strict new voter identification requirements. But the facts do not warrant these extreme proposals. All available evidence suggests that voter fraud is exceedingly rare.
A Demos briefing book, with state-and federal-level application, to help elected officials advance new policies that promote electoral participation and provide all Americans with access to a stable, secure middle class.
In recent years, citizens, the media and political experts have expressed growing concern over redistricting--the process of drawing new district lines to determine which residents will be grouped together when electing representatives. This concern has focused on the steady decline in competitiveness in congressional and legislative districts across the country and the recent efforts of several states to redraw legislative districts mid-decade to gain partisan advantage.
This memo outlines how the Justices lined up on the issues in Randall v. Sorrell, provides some analysis of the opinions, and touches on the implications for future reform efforts.
Although Americans of all ages have endured the economic and social changes of the post-industrial era, today's young people are the first to experience its full weight as they try to start their adult lives. But the challenges facing young adults also reflect the failure of public policy to address the changing realities of building a life in the 21st century.