Marty Young

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Our country faces serious challenges. Meeting them requires clear priorities, steady leadership, and policies that strengthen families, keep communities safe, and make it easier for people who work hard to build a good life.

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Throughout my life — in uniform, in business, and in this community — I’ve focused on doing the job the right way: understanding the problem, making hard decisions, and delivering results. That same approach should guide how we govern.

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I believe staying connected to the people of Chester and Berks Counties is essential to doing this job the right way. This page is where I share updates on what I’m working on, what I’m hearing from neighbors across the district, and how these conversations are being covered by local and national media.

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Protect Families and Public Safety

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We will break up Big Health Insurance by ending vertical integration. No longer will giant insurers own hospitals, physician practices, pharmacies, or drug wholesalers—including Pharmacy Benefit Managers (PBMs). This restores real competition and puts patients and doctors first.

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Strengthen Energy Security & Lower Costs

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My plan would allow these unsustainable debts — such as student loans, credit cards, and medical bills — to be discharged in bankruptcy or settled on favorable terms through the credible threat of bankruptcy, giving borrowers and responsible lenders a practical path forward.

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My plan would apply to both federal and private student loans.

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My plan fixes that by offering true 0% interest loans for starter homes up to the local median home price, giving working families and young buyers a real opportunity to achieve homeownership and build generational wealth. For families already carrying high-interest mortgages on their primary residence, we will allow 0% refinancing up to the median home price on a new, affordable 15-year amortizing loan.

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I believe the Federal Reserve can implement this program today under its existing dual mandate of maximum employment and price stability.

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However, if the Fed does not act, Congress must step up and direct it to do so.

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Bankruptcy creates an automatic stay so that creditors can no longer call, email or harass you. In all likelihood, most reasonable creditors would be willing to negotiate and restructure debt to avoid a bankruptcy altogether.

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Homeowners with existing mortgages on their primary residence should focus on paying down debt where possible so they can qualify to refinance into one of these 0% or low-cost loans in the future.

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With these loans, your monthly payment stays roughly the same as it would be under today’s market rates—but instead of sending money to the bank as interest, you’re paying down principal and building real equity with the goal of outright home ownership in 15 years. These straightforward reforms will increase homeownership, stabilize communities, reduce long-term debt burdens, and strengthen families in Chester and Berks Counties—without distorting markets or adding to the federal deficit.

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On SiriusXM POTUS Channel 124, Marty Young spoke with Tim Farley about the Young Americans Healthcare Plan and how targeted, disciplined reform can lower healthcare costs and strengthen families and small businesses.

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America has over $100 trillion in combined personal, household, small business, corporate, and government debt and liabilities that cannot possibly be repaid in full. We already have the right tools to restructure corporate and municipal debts, but Congress must provide the right tool for ordinary Americans as well.

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With nearly 43 million Americans owing roughly $1.9 trillion in student debt alone — plus $1.25 trillion in total credit card debt and over $220 billion in medical debt affecting tens of millions of families — this crisis is already severe. Projections show 8 to 13 million student loan borrowers could soon be in default, while credit card delinquencies have reached levels not seen in over 15 years. We must address the crushing burden of student loans, credit card debt, and medical debt that is holding back an entire generation from starting families, buying homes, and building wealth.

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Washington’s response to rising healthcare costs has largely been driven by elected officials repeatedly extending Affordable Care Act (ACA) subsidies and expanding Medicaid eligibility rather than confronting the structural failures of the system itself.

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My plan fixes that by offering true 0% interest loans for starter homes up to the local median home price, giving working families and young buyers a real opportunity to achieve homeownership and build generational wealth. For families already carrying high-interest mortgages on their primary residence, we will allow 0% refinancing up to the median home price on a new, affordable 15-year amortizing loan.

Through Quantitative Easing (QE), the Federal Reserve can purchase these 0% loans from banks and mortgage brokers that originate them.

Borrowers would still pay standard origination fees, ensuring no direct burden on the taxpayer or the broader financial system.

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We will break up Big Health Insurance by ending vertical integration. No longer will giant insurers own hospitals, physician practices, pharmacies, or drug wholesalers—including Pharmacy Benefit Managers (PBMs). This restores real competition and puts patients and doctors first.

We will also open competition by allowing proven TRICARE contractors to bid against these giants—and against the current federal Medicaid program.

Every child is covered from birth through age 22, and every expectant mother is covered through a baby’s first birthday, including prenatal, delivery, NICU, and postpartum care.

Then Phase II of YAHP enables TRICARE contractors to compete in the ACA exchanges to provide "TRICARE for All" for adults and couples, paid through premiums that cost the government and taxpayers nothing.

If you are satisfied with your current coverage, nothing about the Young Americans Health Plan changes that. Adults retain their private insurance options and employer-based plans. Medicare remains exactly as it is. Veterans’ healthcare remains exactly as it is.

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My plan would allow these unsustainable debts — such as student loans, credit cards, and medical bills — to be discharged in bankruptcy or settled on favorable terms through the credible threat of bankruptcy, giving borrowers and responsible lenders a practical path forward.

My plan would apply to both federal and private student loans.

If a borrower defaults on a secured loan (such as a mortgage or auto loan), the lender has the right to seize the collateral — like a home or car — but any value in excess of the debt must be returned to the borrower.

Landlords will not be able to reject an applicant for having had a bankruptcy; they can of course reject an applicant that does not demonstrate an ability to pay the rent, but cannot discriminate based on bankruptcy history under my plan.