Sponsor
Aaron Bean
Representative · R-FL
Representative · R-FL
The bill clarifies and permits certain HRAs—giving workers more ways to pay health costs and reducing employer/regulatory uncertainty—but raises the risk that employers will shift to narrower plans, expands regulatory authority without fresh congressional review, and may increase enforcement costs for governments.
Middle-class families and other employees offered HRAs gain expanded options to use employer-established accounts to pay premiums and other medical expenses.
Employers and employees gain legally binding clarity that certain HRAs and account-based group health plans are permitted, reducing compliance uncertainty for businesses and workers.
Regulators and employers receive a clearer enforcement standard, which should reduce litigation and administrative costs for state governments, health systems, and employers.
Middle-class families and employees could lose access to comprehensive employer-sponsored coverage if employers shift toward HRAs that incentivize cheaper, narrower plans.
The rule expands regulatory policy without new congressional review, reducing legislative oversight and limiting opportunities to modify or strengthen consumer protections.
States or federal enforcement agencies may face increased costs to implement and monitor compliance with the new binding standard, potentially straining budgets.
Based on analysis of 2 sections of legislative text.
Converts the June 20, 2019 interagency final rule on ICHRAs and account‑based group health plans into statutory law, giving that rule the full force and effect of law.
Official title: To codify certain rules related to health reimbursement arrangements and other account-based group health plans, and for other purposes.
Introduced December 15, 2025 by Aaron Bean · Last progress December 15, 2025
Makes the federal agency rule published June 20, 2019, on individual coverage health reimbursement arrangements (ICHRA) legally binding by giving that final rule the full force and effect of law. In practice, this converts an interagency regulatory rule about account‑based group health plans and ICHRAs into statutory law without further rulemaking or modification.