A Republican bill with no cosponsors
Last activity — Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, 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.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill creates Universal Savings Accounts that are exempt from taxation and allow individuals to contribute up to $10,000 per year, adjusted for inflation. It places new requirements on health plans and insurers to provide timely written approval or denial of prior authorization requests through a secure portal. The legislation prohibits health plans and insurers from changing a drug's tier list to be more restrictive or dropping covered services during the term of coverage. It requires health plans to include procedure codes, charges, and a full list of covered services with insurance contracts. Additionally, the bill mandates equivalent reimbursement rates for in-network and out-of-network providers and provides patient protections including U.S.-based points of contact and monetary compensation for billing errors.
Yes· 3 of 22
- Scored +6
Does this give people more protection from unfair business practices?
The legislation mandates healthcare transparency, procedure codes, pricing information, and monetary compensation for billing errors.
- Scored +5
Does this make health care easier to get in general?
The bill establishes stricter timelines and secure portals for prior authorizations, ensuring faster access to necessary medical procedures.
- Scored +5
Does this make what the government does easier for the public to see?
The bill requires group health plans and insurers to provide procedure codes, charges, and full lists of covered services.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Section 2: Creates tax-exempt Universal Savings Accounts that allow individuals to contribute up to $10,000 annually, which can help people save money tax-free for future expenses.
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Section 3: Section 2730 requires group health plans and insurers to issue prior authorization approvals or denials in writing to both the medical provider and the patient through a secure portal within 30 days, keeping patients informed more quickly.
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Section 3: Section 2730 also requires that if a prior authorization denial is appealed through a peer-to-peer review, the reviewing peer must be in the same medical specialty as the provider, ensuring fairer medical reviews.
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Section 3: Section 2731 stops health plans and insurers from making prescription drug tiers more restrictive or dropping covered services during the term of coverage, providing stability for patients relying on specific medications and care.
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Section 3: Section 2732 mandates that insurance contracts include procedure codes, the exact amount the plan will charge for each procedure, and a full list of covered services, giving consumers clear pricing transparency.
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Section 5: Section 2734 requires health plans to provide enrollees with 1 to 3 specific points of contact who are based in the United States and proficient in English, making customer service more accessible.
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Section 5: Section 2735 requires health plans, insurers, and health care providers to pay monetary compensation to individuals who are overbilled, with the penalty payout increasing the longer the overpayment takes to return.
Potential Negative Impacts for People
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Section 2: Imposes tax penalties and excess contribution taxes under amended tax codes if individuals accidentally contribute more than the allowed $10,000 annual limit to their Universal Savings Accounts.
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Section 2: States that upon the death of an account holder, if the account is not inherited by a surviving spouse, all amounts in the Universal Savings Account are treated as immediately distributed and the account loses its special tax status.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — Business owners can utilize Universal Savings Accounts and benefit from clearer healthcare contract terms. Would people in middle age be better off under this? — Individuals in middle age benefit from enhanced health insurance protections and prior authorization rules. Would middle-income households be better off under this? — Middle-income families gain access to tax-exempt savings accounts and greater pricing transparency from insurers. Would people in their twenties and thirties be better off under this? — Universal Savings Accounts provide a tax-advantaged vehicle for young adults to build long-term savings. Would high-income households be better off under this? — High-income households can utilize the new tax-advantaged Universal Savings Accounts to shelter investment income. Would households on low incomes be better off under this? — Enhanced billing protections and required compensation for overbilling offer financial safeguards for low-income households. Would retired people be better off under this? — Retirees benefit from strengthened health plan rules prohibiting mid-term restriction of drug tiers and covered services. Would people over 65 be better off under this? — Seniors benefit from strengthened health insurance consumer protections and billing error compensation. Would students be better off under this? — Students can benefit from early opportunities to save through tax-exempt Universal Savings Accounts. Would veterans be better off under this, taking everything together? — Veterans enrolled in commercial or group health plans benefit from the expanded transparency and patient rights. Would women be better off under this? — Improved healthcare consumer protections and prior authorization rules benefit women navigating health insurance systems. Would people in rural areas be better off under this? — Rural residents gain clearer health plan disclosures and U.S.-based customer service points of contact. Would people in cities be better off under this? — Urban residents benefit from enhanced health insurance regulations and protections against billing errors.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The legislation mandates healthcare transparency, procedure codes, pricing information, and monetary compensation for billing errors. Does this cut taxes for small businesses? — The bill creates tax-exempt Universal Savings Accounts which allow small business owners and individuals to save up to $10,000 annually without being taxed on the growth. Is this likely to grow the economy? — The establishment of Universal Savings Accounts incentivizes personal savings and investment. Does this make it easier to run a small business? — The bill provides additional savings vehicles and clearer healthcare provisions that can benefit small business owners.
- Healthcare
- Does this make health care easier to get in general? — The bill establishes stricter timelines and secure portals for prior authorizations, ensuring faster access to necessary medical procedures. Does this lower what people pay for private health insurance? — By requiring transparency in procedure codes and charges and stabilizing prescription drug tiers, the bill aims to curb unexpected healthcare costs. Does this strengthen the Affordable Care Act? — The bill amends provisions related to basic health plans under the Affordable Care Act.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill requires group health plans and insurers to provide procedure codes, charges, and full lists of covered services.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — Universal Savings Accounts encourage wealth accumulation for individuals across various income levels.
- 10/26/2026
- Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, 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.
- Introduced in House