S. 3386 · On the floor · Health

Health Care Freedom for Patients Act of 2025

Sponsor: Mike Crapo (R-ID)

What it does

• Directs the Department of Health and Human Services to deposit $1,000 to $1,500 annually into the health savings accounts of individuals aged 18-64 with bronze or catastrophic plans through a health insurance exchange and income up to 700% of the federal poverty level during 2026-2027.
• Provides federal funds beginning in 2027 for cost-sharing reductions for individuals with silver plans and income up to 250% of the federal poverty level.
• Allows any individual to enroll in a catastrophic health plan beginning in 2027, removing the current restriction to those under age 30 or those with certain exemptions.
• Reduces the enhanced federal Medicaid matching rate for states that provide any health benefits to non-qualified aliens.
• Makes Medicaid and CHIP coverage during immigration status verification optional for states and conditions federal payment on verification completion.

Official summary

Health Care Freedom for Patients Act of 2025 This bill allows certain individuals with health savings accounts (HSAs) to receive federal payments. It also restricts payments under Medicaid and the Children's Health Insurance Program (CHIP) regarding certain noncitizens and restricts coverage of gender-transition procedures. Specifically, the bill provides funds for the Department of Health and Human Services to deposit payments into an individual’s HSA during 2026-2027 if the individual has a bronze or catastrophic plan through a health insurance exchange, is between the ages of 18 and 64, and has income up to 700% of the federal poverty level (FPL). Individuals may receive $1,000 or $1,500 annually, depending on age. The bill also provides funds, beginning in 2027, for cost-sharing reductions for certain individuals who have a silver plan and income up to 250% of the FPL. Beginning in 2027, the bill allows any individual to enroll in a catastrophic plan. Currently, these plans are limited to those under the age of 30 or who have certain exemptions. The bill also reduces the enhanced federal matching rate for the Medicaid expansion population in states that provide any health…

Latest action

Dec 11, 2025: Cloture on the motion to proceed to the measure not invoked in Senate by Yea-Nay Vote. 51 - 48. Record Vote Number: 643. (CR S8654)