Bill · H.R. 317· House(119-HR-317)
Healthcare Freedom Act of 2025
- Introduced
- 1/9/2025
- Last activity
- 1/9/2025 — Referred to the House Committee on Ways and Means.
- Sponsored by
- Chip Roy
- Cosponsors
- - 9 - 0
- Introduced
- In Committee
What this bill would do
The Healthcare Freedom Act of 2025 proposes to amend the Internal Revenue Code of 1986 to replace "health savings accounts" with "health freedom accounts." This bill aims to make these accounts available to all individuals, removing previous eligibility requirements for deductions. It expands the definition of qualified medical expenses to include costs for direct primary care, health care sharing ministries, and medical cost sharing organizations. Additionally, the bill increases contribution limits and allows for rollovers between different health freedom accounts. It also establishes rules for employer contributions to these accounts.
Yes· 3 of 4
Would people over 65 be better off under this?+6
The bill allows individuals aged 55 or older to increase their health freedom account contribution limits by $5,000.
Would middle-income households be better off under this?+5
The bill increases annual contribution limits and expands the scope of qualified medical expenses for tax-advantaged savings.
Does this cut taxes for middle-income families?+5
The bill allows for expanded tax deductions for medical expenses and increased contribution limits for health freedom accounts.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased accessibility of deductions: The bill removes the requirement that an individual must be an "eligible individual" to receive deductions for contributions (Section 2 of the bill).
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Expanded use of funds for medical costs: The definition of "qualified medical expenses" is expanded to include costs associated with direct primary care, health care sharing ministries, and medical cost sharing organizations (Section 2(c)).
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Higher contribution limits: The bill sets a new contribution limit of $12,000, or twice that amount for joint returns (Section 2(e)).
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Additional savings for older individuals: Individuals aged 55 or older can increase their contribution limit by $5,000 (Section 2(f)(2)).
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Flexibility in moving funds: The bill allows for rollover contributions to any other health freedom account if the amount is received within 60 days of a payment or distribution (Section 2(d)).
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Tax advantages for employer contributions: For employees hired after a five-year period, employer contributions to a health freedom account are excluded from the employee's gross income (Section 3(a)(1)).
Potential Negative Impacts for People
- Potential termination of existing coverage: For employees hired after a five-year period, existing employer-provided coverage under accident and health plans may not apply (Section 3(a)(2)).
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 Seniors+6Good For Middle Class Households+5
- Economy And Finance
- Reduces Middle Class Taxes+5
- Social Issues And Justice
- Improves Poverty Reduction+2
- 10/10/2025
- 1 Cosponsor added.
- 1/13/2025
- 1 Cosponsor added.
- 1/9/2025
- Referred to the House Committee on Ways and Means.
- 7 Cosponsors added.
- Introduced in House
Andy BiggsRepublican · Arizona
Eric BurlisonRepublican · Missouri
Josh BrecheenRepublican · Oklahoma
Andrew ClydeRepublican · Georgia
Ben ClineRepublican · Virginia
Marjorie GreeneRepublican · Georgia
Clay HigginsRepublican · Louisiana
Andrew OglesRepublican · Tennessee
Randy WeberRepublican · Texas