Bill · H.R. 3080· House(119-HR-3080)
Health Care Fairness for All Act
- Introduced
- 4/29/2025
- Last activity
- 4/29/2025 — Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, 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.
- Sponsored by
- Pete Sessions
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
The Health Care Fairness for All Act aims to increase health care affordability by removing individual and employer insurance mandates. It introduces a new health insurance tax credit and creates "Roth HSAs," which are non-deductible health savings accounts. The bill provides States with more flexibility to regulate their insurance markets and offer basic health insurance. It also includes reforms for Medicare, such as expanding home-based acute care and site-neutral payments. Additionally, the bill proposes a new reformed payment system for Medicaid.
Yes· 3 of 26
Would business owners be better off under this?+7
Removes the costly employer mandate and simplifies reporting requirements.
Does this leave more decisions to the states?+7
Explicitly provides States with flexibility to regulate their insurance markets and manage indigent care grants.
Does this make it easier to run a small business?+6
Repeals employer mandates and allows flexible reimbursement for individual premiums.
The opposite· 3 of 8
Does this strengthen the Affordable Care Act?-8
Repeals individual and employer mandates and removes many ACA plan requirements.
Does this make abortion easier to get?-7
Excludes plans that cover abortions from being considered 'creditable coverage' for tax credits.
Does this put more money into Medicaid, the health coverage for people on low incomes?-5
Restricts federal payments for individuals with income exceeding 100% of the poverty line.
Who it would affect, and how
Potential Positive Impacts for People
- Health Insurance Tax Credit: Provides a tax credit for qualified residents, including amounts for the taxpayer and qualifying children, to help cover insurance premiums and HSA contributions (Section 131).
- Protection from Medical Debt: Individuals using "limited benefit insurance" who reach their annual benefit limit are protected from liability for subsequent debts beyond a certain valuation of their property (Section 122(c)).
- Telehealth Access: Makes telehealth flexibilities permanent, ensuring continued access to remote care (Section 124).
- Home-Based Care: Expands Medicare to include services furnished by an Acute Hospital Care at Home Program, allowing some hospital-level care to occur in a patient's home (Section 145).
- Indigent Care Grants: Allows States to apply for grants using unused tax credits to help provide health services to uninsured, indigent individuals (Section 132).
- Dependent Coverage: Retains the protection allowing children to remain on a parent's health insurance plan until age 26 (Section 121(a)(2)(B)).
- Pre-existing Conditions: Continues the prohibition on excluding coverage based on pre-existing conditions (Section 121(a)(2)(E)).
Potential Negative Impacts for People
- Late Enrollment Penalty: Imposes a 20% monthly premium increase for individuals who seek insurance without having had continuous coverage for at least 12 months (Section 121(a)(3)(A)).
- Loss of Medical Expense Deduction: Eliminates the general medical expense deduction for taxpayers after December 31, 2025, except for long-term care premiums (Section 202).
- HSA Contribution Changes: Prohibits new contributions to traditional deductible HSAs after December 31, 2025, except in specific employer-related cases (Section 201(b)).
- Medicaid Income Limits: Restricts the use of Federal payments for medical assistance for individuals whose income exceeds 100 percent of the poverty line, with some exceptions (Section 1903A(a)(3)(B)(i)).
- Abortion Coverage Restrictions: Defines "creditable coverage" to exclude plans that cover abortions, unless the abortion is due to rape, incest, or a life-endangering condition (Section 131(f)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+7Good For Middle Class Households+5Good For Retirees+5Good For Seniors+5Good For Billionaires+4Good For Children+4Good For High Income Households+4Good For High Net Worth Individuals+4Good For Rural Residents+4Good For Ultra High Net Worth Individuals+4Good For Students+3Good For Young Adults+3Good For Middle Aged+2Good For People With Disabilities+2Good For Women-4Good For Low Income Households-3
- Economy And Finance
- Improves Small Business Support+6Reduces Small Business Taxes+5Improves Fiscal Responsibility+4Reduces Middle Class Taxes+4Improves Economic Growth+3Reduces Government Spending+3Increases Job Creation+2Improves Consumer Protection-3
- Healthcare
- Reduces Hospital Costs+4Reduces Private Insurance Premiums+3Improves Healthcare Access+2Increases Affordable Care Act Support-8Improves Abortion Access-7Increases Medicaid Funding-5
- Governance And Ideology
- Increase States Rights+7Improves Government Transparency+4Increases Federal Power-5
- Social Issues And Justice
- Improves Poverty Reduction-2
- 4/29/2025
- Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, 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