# 119-hr-1157: ACCESS Act

119-hr-1157, ACCESS Act, is a 119th Congress bill sponsored by Rep. Steube, W. Gregory [R-FL-17] (R-FL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1157
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1157
- Congress: 119
- Title: ACCESS Act
- Status: introduced
- Introduced: 2025-02-10
- Sponsor: Rep. Steube, W. Gregory [R-FL-17] (R-FL)
- Cosponsors: 3
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Creates an option to deliver the value of cost‑sharing reductions as monthly Health Savings Account (HSA) deposits instead of reduced cost‑sharing, with federal reimbursement tied to premium tax credits.** This would let eligible people in Exchange high‑deductible plans elect monthly HSA payments equal to one‑twelfth of the annual reduced cost‑sharing actuarial equivalent while the issuer is reimbursed by the Secretary of the Treasury.

## Cosponsors (3)

- Rep. Cammack, Kat [R-FL-3] (R-FL), 2025-02-10T00:00:00.000Z
- Rep. Kennedy, Mike [R-UT-3] (R-UT), 2025-12-11T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-02-11T00:00:00.000Z

## Provisions PRIA read

- Silver plans must offer HDHP option: benefit, high. If a silver plan on the Marketplace is not a high‑deductible plan, the insurer would have to offer an actuarially equivalent HDHP alternative. HDHPs would need to make HSA payments when an eligible enrollee chooses that option. The plan’s value would count those HSA payments when actuarial value is…
- Insurer HSA deposits count as tax credit: mixed, high. If enacted, any insurer deposits to your HSA under this option would count as advance Premium Tax Credit. That could change what you owe or your refund when you file taxes. The credit would be treated as higher by the amount that would have been paid using your actual household income for the tax y…
- HSA deposits instead of lower copays: mixed, medium. If you enroll in a Marketplace high‑deductible plan, you could choose HSA money instead of lower copays. The insurer would put in 1/12 of the plan’s yearly reduced cost‑sharing value each month. The government would reimburse the insurer. You would not get cost‑sharing reductions for those months.…

## Related bills

- 119-hr-4669: FEMA Act of 2025
- 119-hr-9298: Stopping Harmful and Outrageous Torts Act
- 119-hr-404: Hearing Protection Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-1919: Anti-CBDC Surveillance State Act

## Sources
- [119-hr-1157 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1157)

## Related
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-9298: Stopping Harmful and Outrageous Torts Act](https://policyrisk.com/legislation/119-hr-9298)
- [119-hr-404: Hearing Protection Act](https://policyrisk.com/legislation/119-hr-404)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-1919: Anti-CBDC Surveillance State Act](https://policyrisk.com/legislation/119-hr-1919)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1157 (as of 2026-04-21).