A Republican bill with 2 Republican cosponsors · See all 2 cosponsors
Last activity — 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.
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
The "Putting Patients First Healthcare Freedom Act" aims to shift control of healthcare dollars directly to American families. It implements a health freedom waiver program that allows states to bypass certain Affordable Care Act requirements while establishing "Trump Health Freedom Accounts." The bill expands Health Savings Account (HSA) flexibility, protects self-insured employer plans, and creates a reinsurance program for off-exchange plans. Additionally, it establishes specific rules for health care sharing ministries and association health plans. Finally, the act strictly prohibits the use of federal funds for abortion and gender transition procedures.
Yes· 3 of 7
- Scored +5
Would business owners be better off under this?
The bill provides tax credits for health reimbursement arrangements and increases flexibility for small businesses.
- Scored +5
Does this make it easier to run a small business?
The bill provides tax credits for health reimbursement arrangements and increases flexibility for self-insured plans.
- Scored +4
Does this lower what people pay for private health insurance?
The bill establishes a reinsurance program designed to lower premiums for certain individuals.
The opposite· 3 of 7
- Scored -8
Would LGBTQ people be better off under this?
The bill prohibits federal funding for gender transition procedures and excludes them from essential health benefits.
- Scored -8
Does this expand the rights of LGBTQ people?
The bill prohibits federal funding for gender transition procedures and restricts their coverage in essential health benefits.
- Scored -8
Does this make abortion easier to get?
The bill prohibits federal funding for most abortions and restricts coverage through subsidized health plans.
Who it would affect, and how
Potential Positive Impacts for People
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Increased HSA Flexibility and Access: The bill allows individuals entitled to Medicare Part A by reason of age to contribute to an HSA (Sec. 1011) and permits both spouses to make catch-up contributions to the same account (Sec. 1012).
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Expanded HSA Utility: Provisions allow for the conversion of FSA and HRA funds into HSAs (Sec. 1013) and permit contributions if a spouse has a health flexible spending arrangement (Sec. 1015).
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Empowerment through Health Freedom Accounts: Under the waiver program, the Secretary would pay premium tax credits and cost-sharing reductions into "Trump Health Freedom Accounts" for eligible residents in participating states (Sec. 1002).
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Support for Small Businesses and Employers: The bill provides a tax credit for "CHOICE Arrangements" to assist employers (Sec. 2014) and creates a reinsurance program to help lower premiums for certain individuals (Sec. 2062).
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Protection for Self-Insured Plans: The "Self-Insurance Protection Act" ensures that medical stop-loss insurance used by plan sponsors is not treated as health insurance coverage (Sec. 2023).
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Improved Transparency and Costs: The "New Health Options Act" promotes high-value care and requires the disclosure of lower prices to patients (Sec. 2062, Sec. 2064).
Potential Negative Impacts for People
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Restrictions on Healthcare Spending: Trump Health Freedom Accounts are strictly prohibited from being used to pay for premiums or services related to abortion or gender transition procedures (Sec. 1003).
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Prohibition of Federal Funding for Specific Procedures: The bill prohibits federal funding for any specified sex-trait modification procedure, defined as pharmaceutical or surgical interventions to align physical appearance with an asserted identity (Sec. 3007).
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Denial of Tax Credits for Certain Coverage: Federal premium tax credits and cost-sharing reductions will not be available for any qualified health plan that includes coverage for abortion (Sec. 3004).
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Impact on Health Insurance Coverage: The bill defines "short-term limited duration insurance" with a maximum duration of 10 years (Sec. 2042).
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Potential for Denied Coverage Based on Past Payments: Health insurance issuers may be allowed to deny coverage to individuals who owe premiums for previous coverage (Sec. s 2702(e)).
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? — The bill provides tax credits for health reimbursement arrangements and increases flexibility for small businesses. Would people over 65 be better off under this? — The bill allows individuals entitled to Medicare Part A to contribute to HSAs. Would LGBTQ people be better off under this? — The bill prohibits federal funding for gender transition procedures and excludes them from essential health benefits. Would women be better off under this? — The bill restricts federal funding and insurance subsidy support for abortion services. Would households on low incomes be better off under this? — The bill limits the health insurance subsidies and tax credits available to low-income households purchasing certain coverage.
- Social Issues And Justice
- Does this expand the rights of LGBTQ people? — The bill prohibits federal funding for gender transition procedures and restricts their coverage in essential health benefits.
- Economy And Finance
- Does this make it easier to run a small business? — The bill provides tax credits for health reimbursement arrangements and increases flexibility for self-insured plans. Does this reduce what the federal government spends? — The bill reduces federal spending by prohibiting the use of federal funds for abortion and gender transition procedures, though it requires new appropriations for a reinsurance program. Does this cut taxes for middle-income families? — While the bill increases HSA flexibility, it also reduces premium tax credits for those purchasing health plans that include abortion coverage.
- Healthcare
- Does this lower what people pay for private health insurance? — The bill establishes a reinsurance program designed to lower premiums for certain individuals. Does this make health care easier to get in general? — The bill increases HSA flexibility and creates new ways to fund health expenses through freedom accounts. Does this put more money into Medicare, the health coverage for people over 65? — The bill allows individuals entitled to Medicare Part A by reason of age to contribute to HSAs. Does this make abortion easier to get? — The bill prohibits federal funding for most abortions and restricts coverage through subsidized health plans. Does this strengthen the Affordable Care Act? — The bill reduces the availability of refundable tax credits and cost-sharing reductions under the Affordable Care Act for certain plans.
- 12/9/2025
- 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.
- 2 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Andrew ClydeRepublican · Georgia
Andrew OglesRepublican · Tennessee