Bill · H.R. 6538· House(119-HR-6538)
More Affordable Care Act
- Introduced
- 12/9/2025
- Last activity
- 12/9/2025 — Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, 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
- August Pfluger
- Cosponsors
- - 6 - 0
- Introduced
- In Committee
What this bill would do
The More Affordable Care Act aims to establish a health freedom waiver program and promote better price reporting and outcomes. This program allows States to waive certain health insurance requirements if they maintain a high-risk insurance pool. Instead of traditional tax credits, eligible residents in waiver States receive payments into Trump Health Freedom Accounts. These accounts are specialized health savings accounts used to pay for health expenses. The bill also modifies credits for small employers located in waiver States. Additionally, it directs federal agencies to update regulations regarding the disclosure of actual prices and outcomes data from healthcare providers.
Yes· 3 of 8
Does this cut taxes for small businesses?+5
The bill increases the health insurance credit for small employers in waiver states and eliminates the phaseout of this credit.
Does this make it easier to run a small business?+5
Small employers in waiver states receive increased health insurance credits and a removal of the credit phaseout.
Does this leave more decisions to the states?+5
The bill empowers states to waive certain health insurance requirements via a waiver program.
The opposite· 3 of 6
Does this expand the rights of LGBTQ people?-8
The bill restricts the use of health account funds for gender transition procedures, which impacts the LGBTQ community.
Would LGBTQ people be better off under this?-8
The bill limits the use of health account funds for gender transition procedures.
Does this make abortion easier to get?-7
The bill explicitly prohibits the use of Trump Health Freedom Account funds for abortion services.
Who it would affect, and how
Potential Positive Impacts for People
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Alternative Financial Support for Residents: For individuals and small employers who would otherwise qualify for premium tax credits or cost-sharing reductions, the bill provides an alternative via payments into Trump Health Freedom Accounts (Section 2, paragraph 5).
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Increased Flexibility for Health Savings: The Trump Health Freedom Account allows individuals to use their funds to purchase health insurance and allows for the rollover of existing health savings account balances (Section 3, paragraph (a)(5) and (a)(6)(B)).
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Benefits for Small Employers: Small employers in waiver States may receive an increased health insurance credit, substituting '50 percent' for the previous amount, and the phaseout of this credit will not apply (Section 4, paragraph (a)(2) and (a)(4)).
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Better Pricing Transparency: The bill requires the disclosure of actual prices for items and services rather than just estimates, which can help people compare costs (Section 5, paragraph (1)).
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Improved Data on Healthcare Quality: The bill directs the public reporting of outcomes data by providers to promote better information (Section 5, paragraph (4)).
Potential Negative Impacts for People
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Restrictions on Account Usage: Amounts held in a Trump Health Freedom Account may not be used to pay for abortion services or gender transition procedures (Section 3, paragraph (a)(8)).
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Limitations on Health Savings Accounts: Individuals with a Trump Health Freedom Account are prohibited from having any other type of health savings account, and they cannot roll funds from these accounts into other types of accounts (Section 3, paragraph (a)(6)(A) and (a)(7)).
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Specific Exclusions for Medical Services: The definition of "gender transition procedure" excludes various treatments, and the definition of "abortion services" excludes certain medical scenarios, which restricts how account funds can be utilized (Section 3, paragraph (a)(9)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Small Business Support+5Reduces Small Business Taxes+5Improves Consumer Protection+4
- Healthcare
- Improves Healthcare Access+2Improves Abortion Access-7Increases Affordable Care Act Support-5
- Social Issues And Justice
- Improves L G B T Q Rights-8
- Governance And Ideology
- Increase States Rights+5Improves Government Transparency+4Increases Federal Power-2
- Demographic And Interest Groups
- Good For Business Owners+5Good For Low Income Households+2Good For L G B T Q Community-8Good For Women-5
- 9/16/2026
- 1 Cosponsor added.
- 12/12/2025
- 1 Cosponsor added.
- 12/9/2025
- Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, 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.
- 4 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.
James BairdRepublican · Indiana
Aaron BeanRepublican · Florida
Andrew ClydeRepublican · Georgia
Julie FedorchakRepublican · North Dakota
Craig GoldmanRepublican · Texas
Daniel MeuserRepublican · Pennsylvania