Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and Workforce, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
The Putting Patients First Healthcare Freedom Act would significantly restructure the nation's healthcare system by allowing states to opt out of major Affordable Care Act requirements starting January 1, 2026, in exchange for maintaining high-risk insurance pools and redirecting federal subsidies into new "Trump Health Freedom Accounts." The bill expands Health Savings Accounts for all workers (including Medicare beneficiaries), increases contribution limits substantially, creates new "Association Health Plans" that allow employers across different industries to band together to offer coverage with reduced regulations, and establishes "CHOICE Arrangements" that let employers fund employee purchases of individual insurance or Medicare coverage. Additionally, the bill tightens ACA exchange enrollment rules starting in 2027, narrows open enrollment periods to November 1–December 15 annually, adds income verification requirements, allows certain health plans to charge older adults higher premiums, and restricts federal healthcare funding for abortion and gender transition procedures, with exceptions for rape, incest, life-threatening pregnancies, and disorders of sexual development. The bill would be funded through a reinsurance program capped at $6 billion annually (2026–2030) and employer tax credits for the CHOICE arrangement option.
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