More Affordable Care Act
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
The bill amends Part 4 of subtitle D of title I of the Patient Protection and Affordable Care Act to add Section 1335 Health Freedom Waiver Program, creates Section 1335 Health Freedom Waiver Program allowing states to waive core ACA requirements (Exchange standards, cost-sharing reductions, premium tax credits, individual mandate) by simple notification, and amends Section 223 of the Internal Revenue Code to create Trump Health Freedom Accounts (THFAs), a new type of health savings account for residents of states with Section 1335 waivers. It relies on exemptions, definition changes, tax credits, and appropriations. The main policy areas are Healthcare and Finance.
Who Benefits and How
State governments would be affected, Health insurance companies would be affected, and Small employers in waiver states (up to 50 employees) would be affected.
Who Bears the Burden and How
Transgender individuals in waiver states would be affected, Individuals seeking abortion services in waiver states would be affected, and Hospitals would be affected.
Key Provisions
- Amends Part 4 of subtitle D of title I of the Patient Protection and Affordable Care Act to add Section 1335 Health Freedom Waiver Program.
- Creates Section 1335 Health Freedom Waiver Program allowing states to waive core ACA requirements (Exchange standards, cost-sharing reductions, premium tax credits, individual mandate) by simple notification...
- Amends Section 223 of the Internal Revenue Code to create Trump Health Freedom Accounts (THFAs), a new type of health savings account for residents of states with Section 1335 waivers.
- Amends Section 45R of the Internal Revenue Code to expand and liberalize the small employer health insurance tax credit for employers in states with Section 1335 waivers.
- Mandates disclosure of actual prices (not estimates) for healthcare items and services, standardized and comparable pricing information across hospitals and health plans, updated enforcement for transparent reporting...
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
The bill amends Part 4 of subtitle D of title I of the Patient Protection and Affordable Care Act to add Section 1335 Health Freedom Waiver Program, creates Section 1335 Health Freedom Waiver Program allowing states to waive core ACA requirements (Exchange standards, cost-sharing reductions, premium tax credits, individual mandate) by simple notification, and amends Section 223 of the Internal Revenue Code to create Trump Health Freedom Accounts (THFAs), a new type of health savings account for residents of states with Section 1335 waivers.
Key Policy Areas
Healthcare, Finance
Primary Purpose
The bill amends Part 4 of subtitle D of title I of the Patient Protection and Affordable Care Act to add Section 1335 Health Freedom Waiver Program, creates Section 1335 Health Freedom Waiver Program allowing states to waive core ACA requirements (Exchange standards, cost-sharing reductions, premium tax credits, individual mandate) by simple notification, and amends Section 223 of the Internal Revenue Code to create Trump Health Freedom Accounts (THFAs), a new type of health savings account for residents of states with Section 1335 waivers.
Policy Domains
Section 1 - Short Title
Identified Gains
- State governments
- Health insurance companies
- Small employers in waiver states (up to 50 employees)
- Tax-exempt small employers in waiver states
- Healthcare consumers
Identified Costs
- Transgender individuals in waiver states
- Individuals seeking abortion services in waiver states
- Hospitals
- Health insurance plans
- Gender transition healthcare providers
Sponsors
Legislative Progress
In CommitteeMr. Scott of Florida introduced the following bill; which was …
Read twice and referred to the Committee on Finance.
Introduced in Senate
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
ACA marketplace enrollees, ACA marketplace enrollees in waiver states, Employees of small businesses in waiver states
Positive-direction: Employees of small businesses in waiver states, Healthcare consumers
Negative-direction: ACA marketplace enrollees in waiver states, Individuals seeking abortion services in waiver states, Transgender individuals in waiver states
HSA custodians and administrators, Health insurance companies, Health insurance companies in waiver states
Positive-direction: HSA custodians and administrators, Health insurance companies, Health insurance companies in waiver states, Health insurance companies offering plans on waiver state exchanges, Health plans excluding gender transition and abortion coverage, High-risk pool administrators
Negative-direction: Health insurance plans
Health price comparison platforms, Private health insurance exchange platform operators, Private health insurance exchange platforms
Federal government (Treasury), Federal health insurance exchanges, Federal health insurance exchanges (HealthCare.gov)
Abortion service providers, Gender transition healthcare providers, Healthcare providers
Small employers in waiver states (up to 50 employees)
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "the_secretary"
- → Secretary of Health and Human Services (for health provisions) / Secretary of Treasury (for tax provisions)
- "the_secretary"
- → Secretary of Health and Human Services
Note: 'The Secretary' in Section 2 refers to HHS Secretary for health provisions but Treasury Secretary for tax provisions under IRC Section 36B and 5000A
Key Definitions
Terms defined in this bill
A health savings account established for an individual in a waiver state that receives redirected federal premium tax credits and cost-sharing reduction amounts
Any hormonal or surgical intervention for gender transition, including puberty blockers, hormone therapy, and various surgical procedures (extensive list provided)
A resident who would qualify for ACA premium tax credits or cost-sharing reductions but for the state waiver, and who enrolls in a plan on the Exchange
Drugs or procedures to end pregnancy, excluding treatment for ectopic/molar pregnancy, miscarriage, life-threatening conditions, or rape/incest cases
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology