Sponsors (3)
The bill would restore pre-2010 law to reduce certain federal mandates, taxes, and regulatory requirements—benefiting some employers, insurers, and taxpayers in the short term—but at the cost of removing ACA-era protections, subsidies, and expansions that could leave millions with higher costs, less coverage, and increased strain on hospitals and public health programs.
People with employer-sponsored coverage would keep their existing employer plans governed by pre-2010 rules (not immediately subject to ACA market regulations) until employers change them.
Taxpayers and some businesses would no longer be subject to certain ACA-related federal mandates and taxes, lowering costs for affected individuals and small-business owners.
Insurers and health providers accustomed to pre-2010 rules would face fewer ACA-era regulatory requirements, potentially simplifying compliance.
Millions of people who rely on marketplace subsidies and ACA protections would lose those subsidies and protections, likely facing higher premiums or becoming uninsured beginning Oct 1, 2025.
Protections for people with preexisting conditions and requirements for essential health benefits would disappear, increasing out-of-pocket costs and limiting coverage options for people with chronic or serious medical needs.
Medicaid expansion enrollees in states that expanded Medicaid could lose coverage, risking loss of access to care for low-income adults.
Based on analysis of 2 sections of legislative text.
Introduced January 3, 2025 by Andrew S. Biggs · Last progress January 3, 2025
Repeals the Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 and restores prior law as if those 2010 laws had never been enacted. The repeal takes effect on October 1, 2025 and revives all statutes and provisions that were changed by those two laws. The change would remove the ACA's marketplaces, insurance rules, Medicaid expansion as enacted under the ACA, and related tax and regulatory provisions, returning federal law to the state of law that existed before 2010 on the specified effective date.