# 119-hr-6538: More Affordable Care Act

119-hr-6538, More Affordable Care Act, is a 119th Congress bill sponsored by Rep. Pfluger, August [R-TX-11] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-09-18).

- Canonical: https://policyrisk.com/legislation/119-hr-6538
- As of: 2026-09-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6538
- Congress: 119
- Title: More Affordable Care Act
- Status: introduced
- Introduced: 2025-12-09
- Sponsor: Rep. Pfluger, August [R-TX-11] (R-TX)
- Cosponsors: 6
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-09-18

## Summary

**This bill would let states redirect ACA subsidies into individual Trump Health Freedom Accounts by approving broad Health Freedom waivers.** It would let waiver states skip many ACA requirements and instead deposit premium tax credits and cost-sharing amounts into new Health Savings Accounts for eligible residents. - States: Would allow a Health Freedom Waiver Program that can waive multiple Affordable Care Act rules for plan years starting January 1, 2026 if a state gives at least 90 days notice and keeps an invisible high-risk pool or equivalent. - Individuals and families: Would channel each eligible resident’s premium tax credit and cost-sharing reduction amounts into a Trump Health Freedom Account, with payments based on the national silver benchmark and optional monthly, quarterly, or lump-sum delivery. TFHA funds could not be used for gender transition procedures or abortion services. - Small employers: Would set the small-employer health insurance credit at 50 percent (35 percent for certain tax-exempt employers), raise the eligible-employer threshold to 50 employees, and apply to taxable years after December 31, 2025. - Providers and transparency: Would require HHS, Treasury, and Labor to update rules within 90 days to disclose actual prices, standardize pricing, strengthen enforcement, and publish provider outcomes data.

## Cosponsors (6)

- Rep. Bean, Aaron [R-FL-4] (R-FL), 2025-12-09T00:00:00.000Z
- Rep. Fedorchak, Julie [R-ND-At Large] (R-ND), 2025-12-09T00:00:00.000Z
- Rep. Baird, James R. [R-IN-4] (R-IN), 2025-12-09T00:00:00.000Z
- Rep. Clyde, Andrew S. [R-GA-9] (R-GA), 2025-12-09T00:00:00.000Z
- Rep. Goldman, Craig A. [R-TX-12] (R-TX), 2025-12-12T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2026-09-16T00:00:00.000Z

## Provisions PRIA read

- Bigger small-business health tax credit: benefit, high. If enacted, this bill would raise the small-employer health credit to 50 percent for eligible employers in a waiver State. The change applies for taxable years beginning after December 31, 2025. The bill also treats certain waiver-authorized plans as qualified, raises the eligible-employer size thr…
- Hospitals must post real prices: benefit, medium. If enacted, HHS, Treasury, and Labor would have to update rules within 90 days to require hospitals to disclose actual prices, not estimates. The updates must make price data standardized and comparable across hospitals and plans. The agencies would also update enforcement policies to improve repor…
- Major changes to health subsidies and waivers: mixed, high. If enacted, this bill would let States apply for a Health Freedom Waiver to change some federal insurance rules. Waivers would start for plan years beginning January 1, 2026, and a State must notify at least 90 days before joining. A State must keep an invisible high-risk pool or similar program to…

## Related bills

- 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-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.
- 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act

## Sources
- [119-hr-6538 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6538)

## Related
- [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-hres-719: Honoring the life and legacy of Charles Charlie James Kirk.](https://policyrisk.com/legislation/119-hres-719)
- [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6538 (as of 2026-09-18).