Comprehensive Health Care Reform Bill Introduced by Rep. Andy Biggs

On Tuesday, Rep. Andy Biggs (R-Ariz.) presented a detailed health care reform bill. This draft, shared exclusively with certain news outlets, aims to merge years of conservative health care ideas into one legislative package, with some parts possibly starting by 2026.

Spanning 75 pages, the bill serves as a direct continuation of Biggs’ earlier policy framework, which he discussed with House Republican leaders last week. This framework proposed eliminating pandemic-related Obamacare subsidies and setting the stage for consolidating various conservative proposals into a unified strategy that aligns with President Trump’s health initiatives.

Biggs’ plan, titled the law, is organized into three main sections: prioritizing patient needs over insurance companies, solidifying Trump’s health care reforms, and restricting federal funding for both abortion and gender transition procedures. The bill is co-sponsored by Rep. Andrew Clyde (R-Ga.) and Rep. Andy Ogles (R-Tenn.).

The press release mentioned that this bill aims to consolidate impactful conservative health care reforms into a single, actionable guide. The intention is to create a comprehensive approach to lower insurance premiums, foster competition, support families, and ultimately save lives.

Title I of the bill focuses on expanding health savings accounts (HSAs), implementing upfront price transparency, and providing new support for health care sharing ministries. Specifically, it suggests allowing individuals in Medicare Part A to contribute to HSAs, using those accounts for insurance premiums, and enabling married couples to make joint catch-up contributions.

Additionally, a notable feature is the introduction of the Trump Health Freedom Account. This provision would direct Obamacare subsidies to individuals in states participating in a new waiver program, permitting states to bypass certain Affordable Care Act (ACA) mandates if they maintain high-risk insurance pools. Funds must be used for qualifying medical expenses, excluding those related to abortion or gender transition.

Title II of the legislation seeks to codify various executive actions from the Trump administration, like enhancing access to association health plans and offering catastrophic and short-term insurance options. It draws from previously introduced bills like the Association Health Plans Act and the CHOICE Arrangements Act, aiming to give individuals and small businesses more flexible and affordable options outside the ACA’s limitations.

The “CHOICE Arrangement” section permits employers to offer tax-advantaged accounts for employees to buy their insurance. It also proposes a new employer tax credit of $100 per month for each employee during the first year. The rules regarding eligibility and non-discrimination for these plans are clearly outlined, along with notification requirements for employees.

Title III prohibits federal funds from being allocated to abortions or gender transition procedures, reinforcing protections established by the long-standing Hyde Amendment. It specifically disallows using Trump Health Freedom Account funds for insurance premiums relating to these procedures, providing clear definitions of what’s off-limits.

“Americans are grappling with a flawed health care system, and it’s high time for Republicans to push for real reform that emphasizes freedom, affordability, and genuine choices,” Biggs stated.

“Republicans are poised to take charge. America is watching. It’s time to take action.”