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2h ago

Rick Scott Introduces Bill to Send ACA Subsidies to Consumers Through 'Health Freedom' Accounts

The proposal lands as enhanced ACA tax credits near expiration, with analysts projecting steep 2026 cost increases without action.

Demonstrators hold a rally for healthcare funding outside the US Capitol on September 30, the eve of the recent government shutdown.
Dentists care for a patient at a free Remote Area Medical mobile clinic at Terre Haute South High School in Terre Haute, Indiana, on August 2.
A patient is seen at the free health clinic at the Asheville Foster Seventh-day Adventist Church in Asheville, North Carolina, on June 27.
President Donald Trump shows his signature on the "One Big Beautiful Bill Act" at the White House on July 4.

Overview

  • The 'More Affordable Care Act' would convert ACA aid into HSA‑style 'Trump Health Freedom Accounts' that enrollees could use for premiums and medical bills.
  • States could keep current ACA subsidies or opt into the account model, and the bill lets states authorize cross‑state plan sales subject to state insurance commissioners.
  • The measure prohibits using federal account dollars for elective abortion services or gender transition procedures, with exceptions for rape, incest, or serious risk to the mother.
  • President Donald Trump and GOP allies are promoting direct‑to‑consumer alternatives, with proposals from Sen. Bill Cassidy and others to pair HSAs with ACA bronze plans or shift some subsidies into accounts.
  • Democrats and health experts warn of a coverage cliff as enhanced tax credits expire at the end of 2025, citing KFF’s projection that average costs for 22 million subsidized enrollees would more than double on Jan. 1, 2026, while Senate leaders eye a mid‑December vote.