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HR5608FEDERALFederal Billfiled

High Impact

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

Original title: Affordable Care and Comprehensive Economic Support through Savings Act

Record date · December 17, 2024

Bill progressHistory & official text ↓

Introduced

Committee

Floor Vote

Passed

Law

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Public stanceCommunity reactions are separate from the official record and reporting.

What This Bill Would Do

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.

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.

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

Eligible insured individuals

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

Directly affected

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.

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.

Frequently Asked Questions

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.

What else do you want to know?

News Coverage

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Where This Stands

Currently filed. The next step in the legislative lifecycle is Committee.

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 →

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

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Connected Entities

Cammack, Marjorie, Patient Protection and Affordable Care Act, Steube, Michael and 4 more

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 →

Sources

Open source document

www.congress.gov

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

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