HR 1776 United States House · 119th Congress

New Health Options Act of 2025

The New Health Options Act of 2025 establishes a federal reinsurance program to lower premiums for certain individual health insurance plans. It provides payments to insurers covering "eligible individuals" enrolled in specific off-Exchange plans, with a $110,000 attachment point and 90% coverage up to $300,000 per claim, funded by $50 per member-month (capped at $6 billion annually). The bill also allows insurers to opt out of the standard risk pool (affecting how premiums are calculated) and removes limits on age-based premium variations for some plans, while maintaining a 3:1 age ratio for others. Additionally, it requires insurers to apply out-of-network costs to deductibles and mandates health care providers to disclose price comparisons for covered services.

Issues: ✓ Healthcare

Bill status in committee 1 of 4 stages cleared

Introduction

Mar 2025

Committee Review

Floor Vote

President

Introduced Mar 3, 2025 Last action Mar 3, 2025

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 3, 2025

Committee

Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

lower

Mar 3, 2025

Introduced

Introduced in House

lower

1 primary · 3 co-sponsors