The ACCESS Act: Proposed Changes to Health Insurance Cost-Sharing

Where This Stands

Introduced

Committee

Floor Vote

Passed

Signed

Currently IN_COMMITTEE. The next step in the legislative lifecycle is Floor Vote.

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

The Frame

What this does

The bill changes how eligible individuals receive financial assistance for medical costs, shifting the mechanism from direct point-of-service cost reductions to deposits into personal health savings accounts starting in 2025.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Eligible insured individuals

They are given the option to elect HSA contributions in place of traditional cost-sharing reductions.

Health insurance issuers

They are required to make HSA payments to enrollees and must offer high-deductible health plans as an alternative to certain silver-level plans.

What changed

Current stage: IN_COMMITTEE.

What's next

Floor Vote.

Summary

This bill would allow people enrolled in certain health insurance plans through the ACA Exchange to choose to receive contributions to a Health Savings Account (HSA) instead of receiving benefits. If enacted, insurance companies would be required to make these payments, and the federal government would reimburse those companies.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Why It Matters

The bill changes how eligible individuals receive financial assistance for medical costs, shifting the mechanism from direct point-of-service cost reductions to deposits into personal health savings accounts starting in 2025.

Frequently Asked Questions

What happens if I choose the HSA contribution instead of reduced cost-sharing?

You will receive monthly payments into your HSA from your insurance issuer, but you will no longer receive the standard benefits under the Affordable Care Act for those months.

Can I use the HSA money for anything?

No. The bill restricts distributions from these specific HSA payments to expenses charged to a 'qualified medical debit card' that is limited to medical care expenses.

When would these changes take effect?

The provisions apply to months beginning after December 31, 2024.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Related Legislation

Federal Bill

New Rules for Reporting Foreign Donations to Nonprofits

This bill requires tax-exempt organizations to report foreign contributions to the IRS and mandates that the government publish this data in a searcha

Connected Entities

personCammack, Marjorie“Co-sponsor of the bill”Map →

bill_numberPatient Protection and Affordable Care Act“The ACA, which this bill amends”Map →

personSteube, Michael“Introducer of the bill”Map →

organizationBank (as defined in section 408(n))“Issuer of qualified medical debit cards”Map →

personSecretary“Responsible for providing guidance and making payments”Map →

organizationU.S. Government Publishing Office“Source of the document”Map →

bill_numberInternal Revenue Code of 1986“The legal code being amended”Map →

Analysis Score

0–100

Significance75
How much this matters to a regular citizen
Controversy60
Intensity of disagreement among stakeholders
Entertainment10
Compellingness for a non-policy-wonk reader
Buzz20
Current news / social attention level