# 119-hr-1776: New Health Options Act of 2025

119-hr-1776, New Health Options Act of 2025, is a 119th Congress bill sponsored by Rep. Palmer, Gary J. [R-AL-6] (R-AL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1776
- 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-1776
- Congress: 119
- Title: New Health Options Act of 2025
- Status: introduced
- Introduced: 2025-03-03
- Sponsor: Rep. Palmer, Gary J. [R-AL-6] (R-AL)
- Cosponsors: 3
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Establishes a federally funded reinsurance program for off-exchange individual plans** to reduce premiums and reshape how individual-market plans are priced and pooled. It also would change age-rating and single risk-pool rules, let certain out-of-network charges count toward in-network deductibles, and require providers to disclose lower prices. - Families and consumers: People buying off-exchange plans would likely see lower premiums because the program pays a portion of very large claims. The changes apply to plan years beginning January 1, 2026. - Insurers and market design: Issuers would face new rules on single risk-pool elections and could lose some age-based premium limits while qualified health plans must keep a 3-to-1 age rating cap. - Providers and patients: Providers and facilities would have to disclose when a cash price is lower than a patient’s expected cost sharing. Harmed patients could sue for injunctive relief and damages under state law. *This bill would increase federal spending by authorizing annual appropriations for the reinsurance program equal to $50 per member-month, capped at $6.0 billion per year for 2026 through 2030.*

## Cosponsors (3)

- Rep. Westerman, Bruce [R-AR-4] (R-AR), 2025-11-25T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2025-12-18T00:00:00.000Z
- Rep. Allen, Rick W. [R-GA-12] (R-GA), 2026-01-21T00:00:00.000Z

## Provisions PRIA read

- Five year reinsurance for off exchange plans: benefit, medium. If enacted, the government would run a reinsurance program in 2026 through 2030 to help lower premiums for certain off-exchange individual plans. Each year it would fund $50 times total member months, up to $6 billion. HHS would set the rules within 120 days of enactment. For 2026, defaults would b…
- Out-of-network credits and price disclosures: benefit, medium. If enacted, starting January 1, 2026, you could choose to count what you pay an out-of-network provider toward your in-network deductible and out-of-pocket limit. This would apply only if the service is covered and the charge is at or below the plan’s lowest in-network recognized payment or the Sta…
- Keep ICHRAs usable with individual plans: benefit, low. If enacted, agencies could not deny pairing an Individual Coverage HRA with your individual health plan just because the insurer made the single risk-pool election. This would take effect upon enactment. It would keep this option open for employers and workers.
- New age-based pricing and marketplace rules: mixed, medium. Starting with plan years on or after January 1, 2026, marketplace Qualified Health Plans would still be limited to 3-to-1 age rating for adults. Plans that use the special election could not be sold as QHPs. For individual plans where the insurer uses that election, premiums could vary by age more…

## Related bills

- 119-hr-21: Born-Alive Abortion Survivors Protection Act
- 119-hr-1301: Death Tax Repeal Act
- 119-hr-703: Main Street Tax Certainty Act
- 119-hr-425: Repealing Big Brother Overreach Act
- 119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act

## Sources
- [119-hr-1776 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1776)

## Related
- [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21)
- [119-hr-1301: Death Tax Repeal Act](https://policyrisk.com/legislation/119-hr-1301)
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [119-hr-38: Constitutional Concealed Carry Reciprocity Act of 2025](https://policyrisk.com/legislation/119-hr-38)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1776 (as of 2026-04-21).