# 119-hr-6512: Putting Patients First Healthcare Freedom Act 119-hr-6512, Putting Patients First Healthcare Freedom Act, is a 119th Congress bill sponsored by Rep. Biggs, Andy [R-AZ-5] (R-AZ); status introduced; PRIA reads it as touching household money (as of 2026-04-21). - Canonical: https://policyrisk.com/legislation/119-hr-6512 - 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-6512 - Congress: 119 - Title: Putting Patients First Healthcare Freedom Act - Status: introduced - Introduced: 2025-12-09 - Sponsor: Rep. Biggs, Andy [R-AZ-5] (R-AZ) - Cosponsors: 2 - Policy area: Health - Touches household money: yes - Last recorded action: 2026-04-21 ## Summary **Creates a State waiver program that replaces premium tax credits and cost-sharing reductions with individual "Trump Health Freedom Accounts" paid into residents’ accounts.** The bill also expands account-based and employer-sponsored options and blocks federal funding for abortion and certain gender-transition procedures. - Families and consumers: Residents in States that get a waiver receive the premium tax credit and cost-sharing reduction amounts as deposits into Trump Health Freedom Accounts instead of traditional marketplace subsidies. Deposits use a national-average silver benchmark and can be paid monthly, quarterly, or as a lump sum. - Employers and workers: Employers can offer CHOICE arrangements and association plans that reimburse individual-market care up to fixed caps and pool risk. Eligible employers get a credit of $100 per enrolled employee per month in year one and half that amount in year two. - Patients, providers, and insurers: The bill bars federal funds from paying for abortion coverage and for defined "specified sex-trait modification procedures," while preserving life and rape/incest exceptions and requiring clear plan disclosures and abortion surcharges. *Authorizes cost-sharing reduction payments from general Treasury funds and creates a reinsurance program funded at $50 per member-month with a hard annual cap of $6.0 billion for 2026–2030.* ## Cosponsors (2) - Rep. Ogles, Andrew [R-TN-5] (R-TN), 2025-12-09T00:00:00.000Z - Rep. Clyde, Andrew S. [R-GA-9] (R-GA), 2025-12-09T00:00:00.000Z ## Provisions PRIA read - Bigger HSA and flexible account rules: benefit, high. If enacted, HSA contribution limits would rise by $4,300 for single coverage and $8,550 for family coverage for tax years after December 31, 2025, with the increase partly phased down above $75,000 ($150,000 joint). Married spouses could split contribution limits and both count catch‑up amounts if… - New CHOICE plans and association rules: benefit, high. If enacted, employers could offer a CHOICE arrangement that reimburses care while employees keep individual coverage or Medicare, starting for plan years after December 31, 2025. Small employers that offer CHOICE could get a business tax credit of $100 per enrolled employee per month in year one an… - Price transparency and out‑of‑network rules: benefit, medium. If enacted, providers must tell patients if their cost‑sharing will exceed the cash price, starting January 1, 2026, and patients could sue for injunctive relief and state damages for failures to disclose. Plans must, at an enrollee's choice, count certain out‑of‑network provider charges toward in‑… - Limits on federal abortion and transition funding: cost, high. If enacted, federal funds could not pay for abortions or for certain gender‑transition procedures. Premium tax credits and cost‑sharing reductions would not be allowed for plans that cover abortion, except for life‑saving cases and rape or incest. Qualified health plans would have to disclose wheth… - Tighter Exchange enrollment and checks: cost, medium. If enacted, open enrollment for plan years starting January 1, 2027 would run November 1 through December 15 of the prior year and many other open or special enrollment periods would be barred. Exchanges would be required to verify eligibility for at least 75% of Special Enrollment Period enrollmen… - Reinsurance and risk‑pooling changes: mixed, high. If enacted, a federal reinsurance program would run 2026–2030 with funding equal to $50 per aggregate member month up to $6 billion per year. For 2026 the initial parameters would include a $110,000 attachment point, 90% payment proportion, and $300,000 per‑person cap. The bill would also let issue… - State waiver program for Exchanges: mixed, medium. If enacted, states could apply for a waiver that lets them relax many ACA rules starting for plan years on or after January 1, 2026. A state must keep a program to limit high‑cost risk (for example, an invisible high‑risk pool) to get a waiver. Waivers would only change coverage rules inside the ap… ## Related bills - 119-hr-9200: Secure the Border Act of 2026 - 119-hr-624: RIFLE Act of 2025 - 119-hr-2395: SHORT Act - 119-hr-21: Born-Alive Abortion Survivors Protection Act - 119-hr-987: Fair Access to Banking Act - 119-hr-317: Healthcare Freedom Act of 2025 ## Sources - [119-hr-6512 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6512) ## Related - [119-hr-9200: Secure the Border Act of 2026](https://policyrisk.com/legislation/119-hr-9200) - [119-hr-624: RIFLE Act of 2025](https://policyrisk.com/legislation/119-hr-624) - [119-hr-2395: SHORT Act](https://policyrisk.com/legislation/119-hr-2395) - [119-hr-21: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-hr-21) - [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987) - [119-hr-317: Healthcare Freedom Act of 2025](https://policyrisk.com/legislation/119-hr-317) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-6512 (as of 2026-04-21).