Sponsors (112)
The bill increases consumer disclosure and prevents federal subsidies from being used for plans that include abortion — giving objecting consumers more choice — but at the cost of reduced subsidized access to abortion, higher costs for many low-income women, and new administrative and employer costs.
All consumers will get clearer disclosure at enrollment about whether plans cover abortion and any separate surcharge, making it easier to compare plans.
Low-income people who object to subsidized abortion will no longer have their federal premium tax credits used to buy plans that include abortion coverage, so their subsidies won't be applied to coverage they find objectionable.
People who want abortion coverage can still purchase separate abortion-only plans on an unsubsidized basis, preserving a purchase pathway for those who can pay out-of-pocket.
Women — particularly low-income women covered by federal subsidies — may lose access to abortion services through their insurance, reducing reproductive healthcare options and returning some care to out-of-pocket markets.
Low-income individuals could face higher net premiums or new out-of-pocket costs if insurers drop abortion from subsidized plans or add separate surcharges for abortion coverage.
Women enrolled in subsidized plans may need to buy separate unsubsidized abortion-only coverage or pay out-of-pocket, creating financial barriers to care for those who cannot afford separate premiums.
Based on analysis of 4 sections of legislative text.
Disallows federal premium tax credits, advance credits, cost‑sharing reductions, and the small employer credit for health plans that cover abortion while allowing separate unsubsidized abortion‑only plans and strengthening enrollment disclosures.
Official title: To prohibit taxpayer funded abortions.
Introduced January 22, 2025 by Christopher Henry Smith · Last progress January 22, 2025
Prohibits use of federal tax credits, advance premium tax credits, cost-sharing reductions, and a small employer health insurance credit for health plans that cover abortion (with limited statutory exceptions), while allowing separate, unsubsidized abortion-only policies to be sold. Requires plan-year and enrollment disclosures about whether a qualified health plan covers two specified classes of abortion services and any surcharge attributable to those services. Changes to the Internal Revenue Code and Affordable Care Act provisions take effect for plan years beginning after December 31, 2025 (and for taxable years ending after that date for the tax-code changes); certain disclosure rules apply to materials published more than 30 days after enactment.