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Prohibits federal tax credits and cost-sharing reductions for qualified health plans that include abortion coverage and removes small-employer tax credit eligibility for plans that cover abortion, while allowing separate abortion-only policies if no federal subsidies or tax credits pay their premiums. Also directs insertion of a new, unnamed chapter into Title 1 of the U.S. Code intended to bar taxpayer-funded abortions, and strengthens ACA enrollment and marketing disclosure requirements about the extent of abortion coverage and any abortion-related premium surcharges. The bill delays the tax-credit and small-employer credit changes so they apply to plan years beginning after December 31, 2025 (and taxable years ending after that date), and makes the new disclosure rules effective for materials published more than 30 days after enactment. The Title 1 insertion contains no substantive statutory language in the text provided, creating uncertainty about enforcement and details of the proposed prohibition on taxpayer-funded abortions.
The bill aims to prevent federal funding or subsidies from being used for elective abortion—providing taxpayer protection and clearer disclosures—but does so by restricting coverage and subsidies in ways that will reduce access to abortion care, raise costs for women and low-income people, limit plan choices, and create market and administrative disruptions.
Taxpayers and low-income consumers will not have federal dollars (including premium tax credits) used to subsidize elective abortion coverage, aligning federal spending with restrictions on abortion funding.
Small employers and their employees can offer separate abortion-only coverage without losing other tax benefits, provided premiums for that separate coverage are not paid with credit-eligible funds, giving employers an option to preserve other tax incentives while accommodating abortion coverage separately.
Consumers shopping for health plans will receive clearer disclosures about whether plans cover abortion and any abortion-related surcharge, improving transparency at enrollment and in marketing materials.
Pregnant people who rely on federally funded programs (including Medicaid or other federal funding streams) could lose access to abortion care if those funds are barred from covering abortion, reducing timely and affordable access to care.
People enrolled in Exchange plans and low- and moderate-income individuals who rely on subsidies could face loss of premium tax credits and cost-sharing reductions or higher premiums and narrower plan choices if plans drop abortion coverage to retain subsidies, making coverage and care more expensive or unavailable.
Prohibiting coverage of abortion in Multi-State Plans could reduce plan availability and choices in Exchanges that rely on those plans, limiting competition and options for consumers in affected areas.
Introduced January 22, 2025 by Christopher Henry Smith · Last progress January 22, 2025