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NEW YORK — The proportion of Americans without health insurance held steady at around 8% of the population in 2025, according to new findings from the U.S. Centers for Disease Control and Prevention.

The national survey results, released Thursday, show the all-ages uninsured rate has stayed significantly down from where it was several years ago, but the ranks of the uninsured could soon expand as the Trump administration’s sweeping changes to the health landscape begin to take hold.

Massive changes to Medicaid, the government’s safety-net health program for low-income Americans, passed into law last year could result in 10 million more uninsured individuals over a decade, according to Congressional Budget Office estimates.

And the expiration this year of certain Affordable Care Act subsidies — which had offset premium costs — is also contributing to reduced participation in marketplace health programs. Around 5 million fewer people are expected to enroll in those plans in 2026 compared with 2025, according to the healthcare research nonprofit KFF.

The government has multiple programs for tracking Americans’ insurance status, which can give different numbers depending on factors like timing and question wording. Many researchers consider the U.S. Census Bureau to be “the official scorekeeper,” said David Howard, an Emory University health policy and management professor.

But the CDC survey results tracks closely with that, and they offer the first complete data for all of 2025 — the first year of President Trump’s second term in office.

The Trump administration has sought to expand access to low-premium catastrophic health insurance plans and lower drug prices for Americans who don’t have health insurance. It has also suggested that projected insurance enrollment declines indicate a drop-off of fraudulent and ineligible enrollees, rather than eligible Americans.

Although the share of insured and uninsured stayed roughly the same in 2025 as the year before, the number of uninsured grew by about 800,000 — 300,000 of them children. The growth of the overall U.S. population helps explain that.

The survey results also suggest a possible increased insured rate among Hispanic Americans. But that may in part reflect the effects of the Trump administration’s immigration crackdown, if uninsured members of that group left the country, Howard said.

Most Americans 65 and older have health insurance through the federal Medicare program. It’s different for younger Americans, many of whom are covered through a patchwork of public and private insurance programs.

The percentage of Americans under 65 who were uninsured rose in the 1980s, 1990s and early 2000s — from 12% in 1980 to more than 18% in 2010. It fell following passage of the Affordable Care Act in 2010, which expanded Medicaid programs and enacted measures to make affordable health insurance available to more people.

By 2016 it dropped nearly to 10%, before rising to 11 to 12% during Trump’s first administration, according to historical survey data from the CDC’s National Center for Health Statistics.

The COVID-19 pandemic saw the rate of uninsured fall again, as a result of government policies put in place to preserve coverage as people faced disruptions related to the pandemic. The rate hit an all-time low in 2023, falling below 9%.

It’s not clear yet how big the increase in uninsured Americans will be this year, but experts agree it will likely rise in the coming years as a result of changes to the Affordable Care Act and Medicaid.

“The decisions being made now — in Congress, state legislatures and state Medicaid agencies — will determine what happens next,” Nancy Brown, chief executive officer of the American Heart Association, said in a statement Thursday.

“Policymakers should act immediately to protect and expand access to affordable coverage, strengthen Medicaid and maintain pathways that make coverage and care accessible,” she said. “Without deliberate action, including reversing dramatic cuts to coverage, uninsured rates will continue to rise, putting quality health care further out of reach.”

Stobbe and Swenson write for the Associated Press.

Brayan Rayo Garzon was distraught. Detained by Immigration and Customs Enforcement, he was on his fourth day of isolation in a Missouri jail as he battled the fevers and chills of COVID-19.

His request for mental health treatment had been put off, records show, and staff had forbidden Rayo from making his nightly call to his mother as a precaution intended to prevent the spread of illness.

He pleaded with his jailers in handwritten notes to arrange a conversation with her. “I feel in my heart that she’s very worried about me,” he wrote in Spanish.

A guard collected the note and walked away. Within an hour, jail records show, he was found unconscious in his cell. An autopsy determined he killed himself.

Rayo’s April 2025 death was the first suicide in a spike among ICE detainees that has alarmed public health officials and jail experts. They said the unprecedented number of suicide deaths is an indication that authorities are failing to properly oversee the detention of tens of thousands of immigrants swept up in the Trump administration’s aggressive deportation strategy.

An Associated Press investigation found that at least 10 detainees, all men, have died by suicide since President Trump took office in January 2025, a pace that far exceeds the growth in the detainee population, according to a review of ICE data, autopsy reports, coroners’ rulings and police records. Since October, seven deaths have been classified as suicides, a number that is already the most for any fiscal year in the agency’s history. ICE has usually recorded one or no such deaths annually.

“Something is going profoundly wrong from any kind of public health or mental health perspective,” said Dr. Sanjay Basu, a University of California-San Francisco epidemiologist who cowrote a study documenting the increase in mortality and suicide rates among ICE detainees. “This is one of those alarming, sudden increases.”

Nine of the deaths were of Hispanic men who had arrived in the U.S. from four countries, the AP found. One man was a Chinese citizen. Their average age was 32. While Trump has characterized those facing deportation as the “worst of the worst,” seven of the 10 had no record of violent crimes in the U.S.

The suicides account for nearly a fifth of the 51 deaths in ICE custody since January 2025. The majority of those deaths were from natural causes and experts say many of them would have been preventable with timely medical care.

Department of Homeland Security acting assistant secretary Lauren Bis said suicide deaths in ICE custody remain “extremely rare.”

Bis said detention staff follow protocols to protect detainees who show signs of self-harming and that ICE requires annual suicide prevention training. She said detainees receive comprehensive healthcare, including mental health services.

Reacting to AP’s investigation, Colombian President Gustavo Petro wrote Wednesday in a post on X that the country’s foreign ministry should issue a formal protest regarding Rayo’s death and that the U.S. government should “reflect on how its immigration policy is killing Americans and Latin Americans.”

Investigation finds violations of ICE detention standards

The reasons behind any suicide are complex, and each death often has multiple contributing factors, according to experts. ICE detainees report intense stress after being detained, fear of being returned to countries where their safety may be jeopardized, and frustration and loneliness over the inability to communicate due to language barriers.

Detainees can also feel helplessness because of the complexity surrounding immigration law. Unlike those in the criminal justice system, most detainees do not have lawyers and their detention on immigration violations is not meant to be punitive.

ICE becomes responsible for their well-being when they enter detention, and experts say well-run lockups should have few, if any, suicides. That’s because staff can take steps to mitigate the chances that detainees harm themselves by identifying those at risk, getting them care and monitoring them closely, the experts said.

AP’s investigation found that ICE detention centers have repeatedly fallen short in ways that violate ICE’s own standards.

An examination of the 10 suicide deaths found the men died across ICE’s detention network, including at centers long run by private contractors and county jails that recently became ICE partners. The AP found that staff in the facilities ignored signs of distress, delayed mental health treatment and failed to monitor detainees who were already deemed at risk. They also permitted detainees to have access to materials that could be used for self-harm, according to AP’s review of ICE inspection reports and death records.

In some cases, they jailed distressed detainees in isolation, which can exacerbate feelings of humiliation and helplessness, according to experts.

ICE has repeatedly asserted that it screens detainees within 12 hours of arrival for medical, dental and mental health conditions.

At least three of the nine facilities where ICE detainees died by suicide have struggled to meet that standard, according to ICE inspection reports and jail records.

Dr. Homer Venters, former chief medical officer of New York City jails who previously consulted with ICE on preventing detainee deaths, called the rise in suicides terrifying.

The increase “reflects failures in how the system’s being operated, and particularly failures in how the first stages of coming into detention are happening so that people aren’t being assessed adequately,” Venters said. “And then if that receiving screening picks up red flags, they’re not acted on in a way that reduces the risk of them having preventable death.”

From border crossing to detention

Among those who took their own lives was a 19-year-old from Mexico who had been detained following a misdemeanor traffic stop while riding his scooter.

Another was a 36-year-old restaurant worker who lost contact with his relatives in Nicaragua after ICE detained him in Minnesota and sent him to a crowded camp in Texas. A third was a 45-year-old who had repeatedly crossed the U.S.-Mexico border illegally and had a long criminal record.

Rayo, who took his own life after pleading to talk to his mother, was a veteran of the Colombian military who had worked as a street vendor in his home country. A week after he turned 26 in 2023, his family crossed the U.S. border in California. He was detained for three months before being permitted to settle with family in St. Louis, records and interviews show.

His mother, Adriana Garzon, said Rayo caught on quickly to life in the U.S., making friends easily and working as a housepainter and food delivery driver. He wanted to save money to hire a lawyer to help him stay in the country after a judge in 2024 ordered that he be sent back to Colombia, she said.

He was arrested in March 2025 by St. Louis police after being caught using a stolen credit card, which he had obtained from a friend, at a vape shop, court records show. ICE then took him into custody. An ICE record obtained by AP classified Rayo as a laborer who was a low risk to public safety.

ICE placed Rayo in the Phelps County jail in Rolla, Mo., about 100 miles from St. Louis.

Suicides reveal shortcomings across ICE’s detention network

The deaths have revealed holes in treatment and oversight across ICE’s system, where the detained population has spiked by 50% to 60,000 during Trump’s second term.

Five died in centers run by longtime ICE detention partners CoreCivic and the GEO Group. A sixth died at a camp operated by an inexperienced contractor that ICE has since replaced. Three died in jails run by sheriffs, and one at a federal prison.

“We are deeply saddened by and take very seriously the passing of any individual in our care,” CoreCivic spokesperson Brian Todd said.

GEO Group spokesperson Christopher Ferreira said the company trains staff on suicide prevention and seeks “to maintain a safe and secure environment in compliance with the standards and requirements set by the federal government.” Officials at the three jails either declined comment or didn’t return messages.

Leo Cruz Silva, a 34-year-old who had repeatedly illegally entered the country from Mexico, suffered an acute mental health crisis following his detention after an arrest for public intoxication last fall in a St. Louis suburb, records show.

For two nights in Missouri’s Ste. Genevieve County Jail, Cruz screamed, hid under his bed and reported hallucinations, according to an ICE report on his death. Yet he did not get help quickly.

A nurse ordered antipsychotic medications and planned to get him treatment the next week, the ICE report said.

On the third day, he was found dead in his cell.

Chaofeng Ge arrived in ICE custody last summer at a Pennsylvania facility run by the GEO Group in mental distress, having pleaded guilty to a minor gift card fraud and attempted suicide in state custody, said David Rankin, an attorney representing Ge’s family.

In five days at the facility, he did not get mental health treatment and was unable to communicate because no one spoke Mandarin, Rankin said. Ultimately, Ge went unmonitored before he was found hanged in a shower stall.

“It’s clear that ICE has taken very few steps to ensure the safety of these people,” Rankin said. “They appear to want to make this process as cruel and inhuman as possible. It’s completely unacceptable.”

At Camp East Montana in El Paso, Texas, 36-year-old Victor Diaz died by suicide in a medical holding room in January, according to an ICE report. He had been moved into isolation after reporting harassment by fellow detainees, the report said.

Days earlier at the same facility, Geraldo Lunas Campos died of asphyxia after ICE said guards restrained him following a suicide attempt. His death was ruled a homicide by a medical examiner and Trump administration officials said the FBI was investigating its circumstances.

ICE inspectors visited the facility in February, documenting 49 violations of detention standards at what was then ICE’s largest detention facility, according to their report.

The report found that staff did not record “required checks to prevent significant self-harm and suicide” while inspectors found tools and equipment unsecured and unaccounted for throughout the facility that could be used for harm. Calls to 911 show several other detainees had attempted suicide there.

At the time of the deaths and inspections, Acquisition Logistics was the contractor running the facility. ICE has since replaced Acquisition Logistics with another contractor. Acquisition Logistics did not return messages seeking comment.

Detainee spent final days sick and isolated

The Phelps County Jail had started taking ICE detainees a month before Rayo’s arrival. Sheriff Michael Kirn, a Republican in a county where voters overwhelmingly supported Trump’s reelection, told commissioners his department’s budget was hurting and partnering with ICE could generate millions in revenue.

Records show Rayo’s trouble started immediately. It took the jail 35 hours to conduct the initial medical screening ICE promises within 12 hours, according to jail records obtained by the AP under the open records law.

Rayo exhibited labored breathing and told a nurse he was anxious and wanted mental health treatment.

A nurse who didn’t speak Spanish used a “handheld translator” to assess Rayo, concluding he denied thoughts of suicide and depression, according to the documents compiled by the Missouri State Highway Patrol during an investigation into Rayo’s death.

She recommended him for the general population, listing his physical and mental condition as stable, records show. And she referred him for a routine mental health appointment.

Two days later, he reported head pain and body aches. Staff learned he was positive for exposure to tuberculosis bacteria. He was sent to a hospital, where he was diagnosed with COVID-19. He was returned to jail the following day.

The mental health appointment was scheduled but canceled due to “mental health clinic time and staff,” a jail record shows. Two days later, they again canceled his appointment, this time citing his coronavirus infection.

The delays violated an ICE standard requiring mental health treatment within a week of a referral.

Bis, the DHS spokesperson, said Rayo received “high-quality medical care during his time in ICE custody.”

To ease his anxiety, Rayo called his mother before bed to share a Catholic blessing. “I gave him strength,” said Garzon, whose first name, Adriana, was tattooed on her son’s arm.

As Rayo grew sicker with nausea, chills and aches, staff moved him into a cinderblock isolation cell with a surveillance camera overhead for closer monitoring and to prevent the spread of disease. He was not allowed to call his mother.

On his fourth day of isolation, Rayo passed two notes under his door, begging guards to let him talk to his mom. In one, which was reviewed by AP, he appealed to the guard’s humanity. “I know you have family, and you know that they worry about us,” he wrote in Spanish. “God bless you.”

The English-speaking guard used a colleague’s phone to translate the notes and wrote in a report that he planned to follow up.

Within an hour, guards found Rayo unconscious on his bed with a sheet around his neck.

Emergency responders tried to revive him, transporting him to a hospital. That’s when an official called Rayo’s mother — to let her know her son was in very bad shape and would be flown to a St. Louis medical center. At the hospital, a doctor gave her the devastating news: Her son was dead.

Foley, Biesecker and Lee write for the Associated Press.

Martin Lewis set out some of his top picks

Consumer expert Martin Lewis has shared some tips for your holiday spending while you are abroad. He shared the key advice during his BBC podcast.

During a question and answer edition of the podcast, a query came in from a mum whose 18-year-old son is heading off on a lads’ holiday. She asked what the best spending card would be for him to take along, or whether she should simply give him cash instead. She explained that she was reluctant to give him a credit card as she wasn’t confident he would use it responsibly. However, the accommodation where he was staying required a £300 credit card deposit.

Top recommendation

In response, Mr Lewis said his top recommendation for cards she could consider was Chase. He explained: “Technically you have to open a bank account to get it, but you don’t need to switch bank account.

“The Chase bank account is available for anyone aged 18 or older. It’s openable via an app. So effectively you can open this up, you put money in it that you want to spend and it gives you the same near-perfect rate that the bank gets when you spend, because it doesn’t add a non-sterling exchange rate fee.

“So I think that’s a really simple option. It’s a debit card, it doesn’t have an overdraft facility. It doesn’t do a hard credit check, it just does an ID check and it doesn’t affect his credit-worthiness.”

Another card he recommended was the Revolut pre-payment card, where you load the card with the amount you wish to spend. Regarding the credit card deposit for accommodation, Mr Lewis said this is a common requirement, frequently being necessary when hiring a car abroad too.

He explained that if a deposit needs to be paid on a credit card, this could prove tricky for an 18 year old as they may not pass the credit check. Mr Lewis suggested that perhaps the mum could contact the company and pay the deposit on her son’s behalf.

Big danger

Mr Lewis issued an additional warning for young holidaymakers. He said: “One of the biggest dangers for finances and young people is drinking. The problem when we drink is we lose all our sense of control.

“So it’s very difficult what you advise young people. Do you tell them take cash out so you’ve only got the amount you can spend on that day. That keeps you to a budget.

“But then it does wrong, they haven’t got any money left and they can’t get back to where they need to go, which can be dangerous.

“Or do you have a card that has an unlimited spending facility on it. It’s quite a difficult one at that age. The best thing is to be sensible and not drink too much.”

May 13 (Asia Today) — South Korea’s employment rate fell for the first time in 16 months in April as hiring growth slowed amid higher oil prices, weaker consumer sentiment and continued external uncertainty tied to the Middle East war.

The number of employed people aged 15 and older stood at 28.96 million in April, up 74,000 from a year earlier, according to employment data released Wednesday by Statistics Korea.

The increase was the smallest since December 2024 and the first time this year that job growth fell below 100,000.

The employment rate fell 0.2 percentage point from a year earlier to 63.0%, marking its first decline in 16 months.

Youth employment remained weak. The number of employed people aged 15 to 29 fell by 194,000 from a year earlier to 3.42 million, extending its decline for a 42nd consecutive month since November 2022.

The youth employment rate dropped 1.6 percentage points from a year earlier, marking its 24th straight month of decline.

By industry, wholesale and retail jobs fell by 52,000 from a year earlier, while accommodation and food service jobs declined by 29,000. Manufacturing employment dropped by 55,000.

Officials attributed the slowdown to weaker consumer sentiment and continued external uncertainty related to the prolonged Middle East war. Transportation and warehousing jobs, which are sensitive to oil prices, rose by 18,000, but the pace of growth slowed.

Agriculture, forestry and fisheries employment fell by 92,000 amid population aging, while professional, scientific and technical services dropped by 115,000 because of a high base from last year.

Health and social welfare service jobs increased by 261,000, supported by rising care demand and government-backed direct job programs for older people.

“Employment gains were led by health and welfare services, arts, sports and leisure, and real estate,” said Bin Hyun-joon, head of social statistics at Statistics Korea. “By age group, employment increased among people aged 60 and older and those in their 30s, but the pace of growth slowed from the previous month.”

— Reported by Asia Today; translated by UPI

© Asia Today. Unauthorized reproduction or redistribution prohibited.

Original Korean report: https://www.asiatoday.co.kr/kn/view.php?key=20260513010003376

WASHINGTON — The Senate confirmed President Trump’s nominee to lead the Federal Reserve, Kevin Warsh, bringing new leadership to the world’s most powerful central bank at a fraught moment for the global economy.

Warsh was confirmed Wednesday in a largely party-line vote. His nomination had been thrown into doubt in recent months after Republican Sen. Thom Tillis of North Carolina said he would block the nomination while the Justice Department investigated Fed Chair Jerome H. Powell. The Powell inquiry was dropped in April, clearing the way for the Senate to confirm Warsh.

Senate Majority Leader John Thune (R-S.D.) urged colleagues to support Warsh during a floor speech Wednesday morning, saying it’s crucial that a Fed chair “understand not only the macro” but also “appreciate the microeconomy: and that’s the hardworking Americans, their jobs and their livelihoods.”

“Kevin Warsh is just such a person,” Thune said.

Warsh, 56, a former top Fed official, will become chair at an unusually difficult time for the independent agency.

Inflation has topped the Fed’s 2% target for five years and is now rising faster because of surging gas prices. The Fed’s interest rate-setting committee is divided and saw the most dissenting votes in more than three decades last month. And Powell, after years of personal attacks from the Republican president and an unprecedented legal investigation by the Justice Department, plans to stay on the Fed’s board even after his term as chair ends, potentially creating a competing power center.

Trump has demanded change at the Federal Reserve

The Fed has faced numerous threats to its independence from Trump, who has repeatedly attacked Powell for not cutting interest rates. Trump also sought to fire Fed Gov. Lisa Cook and launched an investigation into brief Senate testimony by Powell on a building renovation.

Kevin Hassett, director of the White House’s National Economic Council, said in a Fox News interview on Sunday that he believes the markets are relieved that Warsh “is going to help lower interest rates over time.”

“Obviously, data driven,” said Hassett. “I’m not putting any pressure on Kevin Warsh.”

In December, Trump said on his social media platform that he wanted a Fed chair who would cut interest rates when the stock market rose — the opposite of what traditional economics would prescribe — and added, “Anyone that disagrees with me will never be the Fed chairman!”

Trump’s comments have fueled concerns over whether Warsh will set rates based on economic conditions or seek to cut rates to appease Trump, even if doing so could worsen inflation. At Warsh’s confirmation hearing last month, Sen. Elizabeth Warren, a Democrat from Massachusetts, derided him as a “sock puppet” for Trump. Warsh declined to say that Democrat Joe Biden had won the 2020 election against Trump, who has falsely claimed that voter fraud cost him reelection.

Still, Warsh denied at the hearing that Trump had pressured him to reduce the Fed’s key rate.

“The president never once asked me to commit to any particular interest rate decision, period,” Warsh said then. “Nor would I ever agree to do so if he had. … I will be an independent actor if confirmed as chair of the Federal Reserve.”

A critic of the Fed’s leadership in the past

Warsh has been highly critical of the Fed’s recent track record, particularly the inflation spike in 2021-22, the worst in four decades, and has called for “regime change.” Yet he has provided only broad outlines of what that change would involve.

He has called for limiting the Fed’s communications, which would be a sharp shift after decades of increasing transparency. He has argued that some of its communications tools, such as quarterly forecasts of where its key rate may head, have made it harder for officials to switch gears.

Senate Democrats also have condemned Warsh for not fully divulging the details of his extensive wealth, which disclosures show amounts to at least $100 million. His investments include stakes in Polymarket and SpaceX, but he hasn’t revealed how large those holdings are. He promised to sell all such assets within 90 days of being sworn in.

“He will be the wealthiest Fed chair in history, but he refuses to provide transparency to the American people about who he is entangled with,” Warren said.

Warsh faces difficult economic conditions

The Fed is still grappling with how to respond to the 50% jump in gas prices from the Iran war. The increase has boosted inflation, which reached 3.8% in April.

The Fed is tasked by Congress with keeping prices stable, which it seeks to do by raising its short-term rate to make borrowing and spending more expensive, cooling growth and inflation.

The Fed typically looks past temporary price increases that stem from supply disruptions, such as the war’s cutoff of oil through the Strait of Hormuz, because those prices typically level off — or even fall back down — once the supply is restored.

But the Fed also followed that approach after the COVID-19 pandemic snarled global supply chains for goods, lifting prices for things such as cars, furniture and electronics. Inflation turned out to last longer than expected, and Powell and other Fed officials have acknowledged they waited too long to raise rates. Inflation surged to 9.1% by June 2022.

The Fed’s rate-setting committee has kept rates unchanged for three straight meetings as it evaluates the effect of the gas price spike. At its most recent meeting last month, three members of the committee objected to language that suggested its next move would be a rate cut. They preferred more neutral language that would allow for a hike. Many Fed watchers saw those dissents as a warning shot to Warsh that he won’t be able to easily engineer rate reductions.

A fourth member of the 12-member committee, Stephen Miran, dissented in favor of a rate cut, as he has at every meeting since Trump appointed him to the Fed’s board last September. Miran is serving until a replacement is named, and Warsh will take his spot.

Powell, meanwhile, said at a news conference April 29 that he would remain as a Fed governor until the Justice Department closes its investigation into the Fed’s building project, the first time a chair may stay on the board for an extended period since 1948. His term as a governor lasts until January 2028.

U.S. Atty. Jeanine Pirro has dropped the government’s investigation, but she has said it could be reopened if the Fed’s inspector general office, which has looked into the renovation project since last July, finds evidence of criminal activity.

Rugaber and Cappelletti write for the Associated Press.

Wildfire and insurance — issues amped by climate change — along with the price of gas, took center stage at the California governor’s debate on Tuesday night.

Here are some of the candidates’ defining statements, starting left of the stage:

Tony Thurmond

The Democratic State Superintendent of Public Instruction addressed the state’s wildfire insurance crisis, where private insurers have been dropping policies as climate changes fuels more frequent catastrophic fire. The state has allowed insurers to raise rates in return for writing more policies, but so far its backup FAIR Plan, meant to provide coverage when other companies will not, continues to grow.

Thurmond said he would withhold tax credits, subsidies and benefits from non-cooperative insurers, although moderators and other candidates raised questions about the legality of this strategy.

“The governor can certainly work with the Insurance Commissioner to say there should be no rate increase unless the insurance industry is actually writing policies. They have failed California in our greatest need. They’ve taken the money for premiums and then when people needed to have support to rebuild their homes, they said, ‘whoops, we’re not going to help you.’ Then they got a rate increase. I’m sorry, where I come from, when you do a bad job, you don’t get a raise.”

Chad Bianco

The Republican Riverside County Sheriff said insurers aren’t leaving California because of climate change, but because the state has failed to pass and enforce vegetation management and defensible space policies that would reduce wildfire risk.

“It wasn’t global warming, stop believing that. It was a failed environmental policy that doesn’t allow fire departments to prevent defensible space around our homes or clear out the brush for 30 years that are building in our mountains and in our hills that took out a city. [Insurers] specifically said we were going to lose a city, and our governor said ‘we don’t care.’ And so the insurance companies left.”

Inadequate brush clearance has contributed to other fires in the state, although it’s not a factor experts cite in the Los Angeles fires specifically.

Tom Steyer

The Democratic billionaire hedge fund founder who is positioning himself as the climate candidate in the race, touted his drive to make oil companies pay for damages from climate change, including rising insurance rates and homes lost to wildfires.

“In environmentalism, I have three real rules. Number one is polluter pays. It’s absolutely critical that if people are going to pollute and damage the environment and cause harm to their neighbors, they pay. Two, we have to include environmental justice in every single environmental rule. And third is we need to start to deploy all of the clean energy stuff that’s cheaper now and get us back to the front of the world in leading it.

“There is one person that the corporations are going after, including Big Oil, who is spending millions of dollars to stop me. The electric monopolies, PG&E, millions of dollars to stop me, because I’m the person on this stage who’s the change agent.”

Steve Hilton

The former Republican Fox News commentator said insurers should be allowed to raise rates consistent with actual wildfire risk. He also advocated for “modern forest management,” removing fuel from forests, as a way to protect against wildfires, reduce carbon emissions from fire, and revive the state’s timber industry.

“We can create jobs and opportunity in rural California and reduce carbon emissions in the process, because we won’t have the mega wildfires.”

Asked if he supports the transition to electrification, he promoted natural gas: “Yes, but let’s be sensible about electric. Right now, we have a fleet of gas fired power stations generating electricity that are running at 10 to 15% of their capacity, even though we have abundant natural gas in California that we could be using to generate affordable, reliable electricity that would lower the cost of electric bills for consumers and businesses.”

According to the U.S Energy Information Administration, California’s natural gas production provides less than one tenth of what the state consumes.

Xavier Becerra

The former Health and Human Services Secretary said he would call a state of emergency as governor to require wildfire insurers to freeze rates and come to the table.

“This affordability crisis is hitting every family, and we have to act as if this were a break glass moment … Rate payers have to understand what their risk is, so they understand why they are going to pay for what they’re going to pay for their home insurance. But an insurance company has to be open and transparent about how its pricing its policies so people can afford it.”

Moderator Julie Watts noted that California home insurance rates are below the national average and questioned the legality of a freeze.

Katie Porter

The former Democratic Orange County Congresswoman was asked whether California should keep its refineries. Two of them closed in the past year, reducing the state’s refining capacity by 20 percent and causing California to lean more heavily on imports.

She said the state should keep the remaining refineries open, but also rapidly scale up green energy to meet the state’s growing electricity demand: “Right now we need to keep all of our energy sources online. That’s just the reality that we’re in. … Right now those refineries, they’re up, they’re running, they’re creating good jobs. Let’s keep them there. But I want to be really clear … The people who work at those refineries, and the people who live in Kern County also face some of the worst pollution and lower life expectancies. Green energy gets us out of that.”

She also backed an idea to have state dollars cover insurance for insurers, known as reinsurance.

Matt Mahan

Democratic San Jose Mayor called to suspend the state’s 61 cent-per-gallon gas tax, used to fund road repairs, bridges, and public transport. The state is looking at a $216.4 billion revenue shortfall over the next decade due to increasing fuel economy and electric vehicles. The other Democratic candidates support keeping the tax; Mahan has instead proposed a flat fee on all vehicles.

He said: “I’m the only candidate on this stage who has pledged to suspend and then reform the gas tax. It is the most regressive tax in California. Working people, rural people, are spending three times as much maintaining our roads as wealthier EV owners.”

On the wildfire insurance crisis he said: “The government in Sacramento created so many restrictions, including taking over a year to approve any rate changes, prohibiting insurance companies from using climate data to project future costs, that they stopped writing new policies. The answer is bring them back, force them to compete, allow them to appropriately price risk, and then hold government accountable for maintaining our wildland, reducing all that vegetation and wildfire risk so that we don’t have these catastrophic fires.”

Antonio Villaraigosa

The former Democratic L.A. mayor expressed his concerns with the readiness of the state’s infrastructure to support a transition to electric vehicles.

“We need an all of the above strategy that understands we’ve got to transition from oil and gas to renewables. But here’s an example: the 2035 mandate [to ban gas-powered car sales]. We built 167,000 charging stations in the last 10 years. We need 2 million more to get to that mandate, and if we build them, we don’t have a grid. So we ought to build the grid instead of arguing about whether or not we need an all-of-the-above policy.”

WASHINGTON — President Trump’s nominee to chair the Federal Reserve said Tuesday that he never promised the White House that he would cut interest rates, even as the president renewed his calls for the central bank to do so.

“The president never once asked me to commit to any particular interest rate decision, period,” Kevin Warsh, a former top Fed official, said under questioning by the Senate Banking Committee. “Nor would I ever agree to do so if he had. … I will be an independent actor if confirmed as chair of the Federal Reserve.”

Warsh’s comments came just hours after Trump, in an interview on CNBC, was asked if he would be disappointed if Warsh didn’t immediately cut rates and responded, “I would.”

The comments underscore the challenge faced by Warsh, 56, a financier and former member of the Fed’s board of governors whom Trump named in January to replace the current Fed chair, Jerome H. Powell. Democrats on the committee accused Warsh of flip-flopping on interest rates over the years, supporting higher interest rates under Democratic presidents and advocating rate cuts during Trump’s time in office. Investors are watching the hearing closely to see how Warsh balances Trump’s demands with worsening inflation, as the war in Iran pushes up the price of gasoline.

Higher inflation typically leads the Fed to raise rates, or at least keep them unchanged, rather than cut them. When the Fed changes its key rate, it can affect mortgages, auto loans and business borrowing.

Yet Warsh’s account was challenged by Sen. Ruben Gallego, an Arizona Democrat, who said that Wall Street Journal reporting last year found that Trump had urged Warsh to reduce borrowing costs.

“Who’s lying here? Is it you or the president?” Gallego asked.

“I think those reporters need better sources,” Warsh responded.

For all the back and forth, the hearing didn’t appear to advance Warsh’s nomination, which has been delayed by a Justice Department investigation into the Fed and Powell, over brief testimony Powell gave last June before the same panel about a building renovation.

Sen. Thom Tillis, a North Carolina Republican on the committee, reiterated Tuesday he wouldn’t vote for Warsh until the investigation is dropped. With the committee closely divided and all Democrats opposed to his nomination, Tillis’ opposition is enough to bottle it up in committee.

“We have got to get rid of this investigation,” Tillis said, “so I can support your nomination.”

Tillis has previously said that all seven Republicans on the committee have signed a letter stating that Powell did not commit a crime when he testified before the panel last June. Federal prosecutors, led by U.S. Atty. Jeanine Pirro, are investigating his testimony for potential perjury, though a judge said last month they offered no evidence to support the charge when he threw out subpoenas Pirro had issued.

Prosecutors from her office as recently as last week sought access to the Fed’s building project but were turned away, revealing that the Trump administration has not reversed course despite opposition from members of his own party that are essential to Warsh’s confirmation.

In his opening remarks, Warsh told the Senate Banking Committee that one of his top goals would be to fight inflation, which remains elevated at 3.3% annually.

“Congress tasked the Fed with the mission to ensure price stability, without excuse or equivocation, argument or anguish,” Warsh said. “Inflation is a choice, and the Fed must take responsibility for it.”

Warsh would be in a tough spot if confirmed. Inflation is worsening, making it much harder for the Fed to implement the interest rate cuts Trump so desperately seeks. The conflict could also slow the economy, as well as hiring. And if Warsh ultimately becomes chair, he may very well find his predecessor, Powell, still sitting on the Fed’s governing board, an uncomfortable arrangement that hasn’t occurred since the late 1940s.

Warsh said the Fed’s political independence is “essential,” and that the central bank wasn’t threatened when “elected officials — presidents, senators, or members of the House — state their views on interest rates.” Trump has repeatedly urged Powell to cut the Fed’s key rate from its current level of about 3.6% to as low as 1%, a view almost no economist shares.

Sen. Elizabeth Warren, a Massachusetts Democrat, said that Trump has not just stated his opinions on rates, but has sought to fire a Fed governor and is investigating Powell.

“The Senate should not be aiding and abetting Donald Trump’s illegal takeover of the Fed by installing his chosen sock puppet as chair,” she said Tuesday.

Warren also noted that Warsh has not disclosed all of his financial holdings, which include investments in startups and private companies, or the size of those financial stakes. For example, Warsh has said he has holdings in SpaceX and Polymarket, but has not said how large those investments are.

Warren charged that Warsh is not in compliance with ethics requirements. Warsh argued that the Office of Government Ethics has signed off on his plan to sell all his assets within 90 days of his confirmation.

The turmoil could make a potential transition from Powell to Warsh an unusually turbulent one for the world’s most pivotal central bank, which has historically experienced smooth transfers of power. Should the change in leadership prove particularly bumpy, it could unnerve markets and lift longer-term interest rates.

Powell’s term as chair ends May 15. He said last month that he would remain as chair until a successor is named. Powell also is serving a separate term as a member of the Fed’s governing board that lasts until January 2028. Fed chairs typically leave the board when their terms as chair end, but Powell said last month he would remain on the board, even if a new chair is approved, until the investigation is dropped.

Trump said he would fire Powell if he attempted to remain at the Fed. Yet Trump’s previous attempt to remove a Fed governor, Lisa Cook, has been tied up in court. During oral arguments in January, a majority of justices on the Supreme Court appeared to lean toward leaving Cook at the Fed.

Rugaber writes for the Associated Press.