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3h ago

White House Poised to Unveil ACA Framework Sending Subsidy Dollars to Consumers

The preview outlines ending zero‑premium policies with small verification payments as enhanced tax credits near a hard deadline.

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

  • Two White House officials say President Trump could announce the framework as early as Monday at the White House with CMS Administrator Mehmet Oz, following briefings for Senate Majority Leader John Thune and House Speaker Mike Johnson.
  • The plan under discussion would eliminate zero‑premium options and require a small payment to verify eligibility, with a deposit program sending savings from lower‑cost plans into taxpayer‑funded health savings accounts.
  • Sen. Rick Scott introduced the More Affordable Care Act to convert subsidies into HSA‑style Trump Health Freedom Accounts, allow cross‑state sales, and apply Hyde‑style limits on what federal dollars can purchase.
  • Democrats push a short extension of enhanced ACA credits before year‑end, while GOP lawmakers are split between a temporary renewal and a consumer‑directed overhaul, with a mid‑December Senate vote pledged but uncertain.
  • KFF estimates average costs for roughly 22 million subsidized enrollees could more than double on Jan. 1, 2026 without the enhanced credits, and experts warn redirecting subsidies to accounts could destabilize ACA marketplaces; polling shows 74% support extending the credits, including half of Republicans.