HR 7681, the "HSA’s For All Act," would expand eligibility for Health Savings Accounts (HSAs) by allowing individuals enrolled in any qualified health plan - not just high-deductible plans - to contribute to an HSA. It directly affects people covered by Affordable Care Act marketplace plans or employer group health plans, removing the current requirement for a high-deductible health plan (HDHP) to qualify. The bill amends tax code definitions to replace "high-deductible health plan" with "covered health plan" throughout relevant sections, simplifying eligibility rules. This change would take effect for tax years beginning after December 31, 2026.
HR 3866, the Maternal and Infant Syphilis Prevention Act, requires the U.S. Department of Health and Human Services to issue federal guidance to states within 12 months. This guidance directs state Medicaid programs, Children's Health Insurance Programs (CHIP), and tribal health programs on improving syphilis screening for pregnant women - specifically emphasizing third-trimester and delivery testing - and expanding access to treatment. It also mandates best practices for provider education, telehealth integration, multilingual resources, and patient outreach to prevent congenital syphilis. The bill directly affects pregnant women, newborns, and healthcare providers operating under state health programs, aiming to reduce preventable infant deaths and health complications linked to untreated syphilis during pregnancy.
This bill, the Continuing Appropriations and Extensions and Other Matters Act, 2026, would continue government funding for fiscal year 2026 by extending existing appropriations for programs that would otherwise expire. It allocates specific funding amounts for various programs, including $8.2 billion for the WIC program, $30 million for courthouse security, and $23 million for Federal judicial security missions. The bill extends deadlines for Medicare programs, veterans' benefits, community health centers, and telehealth services through October 31, 2025, ensuring continuity for these services. It maintains current funding levels for these programs without making new policy changes, preventing interruptions to government operations and critical services.
The Health Share Transparency Act of 2025 requires health care sharing ministries to annually submit detailed financial and operational data - including reserves, claim denial rates, and provider contracts - to federal agencies like the Health and Human Services Department, IRS, and Consumer Financial Protection Bureau. This information must be published on a public website for consumer access. The bill also mandates that ministries provide clear, plain-language disclosures to prospective and current members about coverage limitations, the absence of reimbursement guarantees, and comparisons to traditional health insurance. Additionally, it requires enrollment entities to explain available tax credits and government health program options to potential members, and the Federal Trade Commission must publicly report consumer complaints about these ministries twice yearly.
HR 4606, the Ally’s Act, requires private health insurance plans (including employer-sponsored plans and individual coverage) to cover hearing implants and related services. It directly affects people with hearing loss who need cochlear implants, bone conduction devices, or external sound processors, as determined by a physician or audiologist. The bill mandates coverage for devices, maintenance, repairs, upgrades every 5 years, hearing assessments, surgery, and rehabilitation - without separate cost-sharing or stricter limits than other medical services. Insurers cannot deny coverage if a provider deems the service medically necessary. The law applies to all applicable health plans and takes effect for plan years beginning January 1, 2026.
HR 4484 (ADAPT Act) adds Medicare coverage for psychological services provided by supervised trainees - doctoral interns or postdoctoral residents in APA-accredited programs under licensed psychologists' supervision. It requires a new billing code (GC modifier) for these services and directs the Health Secretary to issue Medicaid/CHIP guidance to states on implementing similar coverage, including recommended billing codes and state examples. The bill directly affects trainees seeking licensure and their supervising psychologists by enabling federal billing for their services. States would use the guidance to adjust coverage policies for trainee services under Medicaid and CHIP programs.
This bill modifies tax rules for health savings accounts (HSAs) to help employees transition from health flexible spending accounts (FSAs) or health reimbursement arrangements (HRAs) to HSAs when switching to a high-deductible health plan. It allows employees to transfer unused FSA/HRA funds directly to an HSA during the plan year, with limits based on existing HSA contribution rules. Employers must report these transfers on employees' W-2 forms as taxable compensation. The changes apply to transfers made after December 2025 and primarily affect workers using employer-sponsored health benefits who switch coverage types.
HR 2079, the Insurance Fraud Accountability Act, targets fraud by insurance agents and brokers during enrollment in Affordable Care Act health plans. It imposes new civil penalties of $10,000-$50,000 for negligent provision of incorrect information and up to $200,000 for knowing fraud, plus criminal penalties of up to 10 years in prison for willful fraud. The bill requires a new verification process for agent/broker enrollments, including documentation of consent, delayed commission payments until enrollment issues are resolved, and consumer notifications about changes. These provisions directly affect agents, brokers, and marketing organizations involved in health plan enrollment through federal or state exchanges, aiming to prevent fraudulent enrollment practices.
Sub-Topics
Insurance
Tags
Consumer Protection
This bill modifies reimbursement rules for veterans receiving emergency care at non-VA facilities. It ensures veterans with private health insurance won't be charged more than $100 for copayments on emergency treatment claims, excluding deductibles or coinsurance. The change applies to all claims submitted since February 2012, including those from the Wolfe v. McDonough class action case. This directly affects veterans who had private insurance coverage when seeking emergency care outside VA facilities.
The DTC Act of 2025 requires pharmaceutical companies to disclose the wholesale acquisition cost (WAC) for a 30-day supply (or typical treatment course) of prescription drugs in direct-to-consumer advertisements. This applies to drugs covered by Medicare or Medicaid, excluding those with a WAC under $35 per 30-day supply. The bill mandates clear, conspicuous display of the WAC in ads, along with a note that actual patient costs may vary based on insurance coverage. It takes effect July 1, 2026, and includes penalties for noncompliance, such as civil fines up to $100,000 per violation. The law aims to increase price transparency for consumers seeing drug ads, particularly affecting patients with high-deductible plans or Medicare beneficiaries.
