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1h ago

Trump Set to Outline ACA Subsidy Plan With Short Extension, New Limits and HSA Option

White House officials say the plan redirects some assistance to consumers through savings accounts, adds income caps, requires minimum premium payments.

The corporate logo of UnitedHealthcare, the insurance unit of UnitedHealth Group, appears on the side of one of their office buildings in Santa Ana, California, U.S., April 13, 2020. REUTERS/Mike Blake/File Photo
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.

Overview

  • Trump is expected to present the framework as early as Monday at the White House alongside CMS administrator Dr. Mehmet Oz, after briefing Senate and House leaders.
  • The draft calls for a two-year extension of enhanced ACA tax credits paired with an income eligibility cap and a minimum monthly payment that would end $0-premium plans.
  • The proposal would encourage selection of lower-cost exchange coverage by depositing the difference into a taxpayer-funded health savings account for eligible enrollees.
  • Sen. Rick Scott introduced the “More Affordable Care Act” to convert subsidies into HSA-style Trump Health Freedom Accounts, with restrictions on funding plans covering elective abortion or certain gender-transition care.
  • KFF estimates costs would more than double for roughly 22 million subsidized enrollees on Jan. 1, 2026 without an extension, while health-policy experts warn HSA-based shifts risk destabilizing ACA marketplaces.