ACCESS Act

Sponsor: W. Gregory Steube (Republican-FL)

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, 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.

Lets people on Affordable Care Act plans choose Health Savings Account money instead of lower upfront costs.

This bill would let people with certain health plans bought through the Affordable Care Act choose to get money put into a Health Savings Account (HSA) each month. This money would replace the usual discounts on their out-of-pocket costs. The bill would also require health insurers and Exchanges to provide information about this new option.

What Would Change

Today, people who qualify for help with health insurance costs through an Exchange get direct reductions on their out-of-pocket expenses. After this bill, eligible individuals with high-deductible plans could choose to get monthly payments into a Health Savings Account instead, starting after December 31, 2025.

Key Provisions

Lets eligible people with high-deductible health plans on an Exchange choose to get monthly payments into an HSA instead of reduced out-of-pocket costs.
Requires health insurance companies to offer high-deductible plans that are actuarially equivalent (meaning similar in value) to their “silver” level plans.
Requires health insurance companies and Exchanges to tell people about this new HSA option and how to use an HSA.
Sets aside money permanently to pay for these HSA contributions and existing cost-sharing reductions.
Restricts how people can use money from these specific HSA payments, requiring a special medical debit card for approved medical expenses.

View on Congress.gov

HR 1157 · 119th Congress · AI Summary by gemini-2.5-flash · 8/10

Lobbying Activity

5 filings mentioned this bill

Top Lobbying Clients

WEX HEALTH

$100K

2 filings

AMERICANS FOR PROSPERITY

2 filings

AMERICA'S HEALTH INSURANCE PLANS INC (AHIP)

1 filing

Top Lobbying Firms

1.AMERICANS FOR PROSPERITY2 filings

2.THE MCMANUS GROUP2 filings

3.AMERICA'S HEALTH INSURANCE PLANS, INC. (AHIP)1 filing

Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.

5 filings mentioned this bill

Top Lobbying Clients

WEX HEALTH

$100K

2 filings

AMERICANS FOR PROSPERITY

2 filings

AMERICA'S HEALTH INSURANCE PLANS INC (AHIP)

1 filing

Top Lobbying Firms

1.AMERICANS FOR PROSPERITY2 filings

2.THE MCMANUS GROUP2 filings

3.AMERICA'S HEALTH INSURANCE PLANS, INC. (AHIP)1 filing

Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.