| Hello John, The One Big Beautiful Bill is living up to its name, particularly with some of the health care provisions that represent meaningful progress toward a more personalized health care system. The bill — or more accurately, law — contains several major wins on issues we’ve been pushing for (with your help!) as part of our Personal Option health care plan, most notably on health savings accounts. At AFP, we believe that the key to making America healthy again is empowering individuals to take control of their health care decisions, and HSAs are at the center of that. HSAs are tax-advantaged savings accounts that allow individuals to save and pay for qualified medical expenses. Contributions are: - tax-deductible,
- funds grow tax-free,
- and withdrawals for medical expenses are also tax-free, offering a “triple tax advantage.”
Currently, only those with high-deductible health plans qualify for HSAs — only about 20% of Americans. Having an HSA effectively lets you stretch your health care dollars and gives you more choice and control over your personal medical decisions. Here is how the OBBB will improve health care for millions of Americans. - First, the OBBB will make all bronze and catastrophic plans on the Obamacare marketplace eligible for HSA contributions beginning in 2026. Under current law, most bronze plans have an annual out-of-pocket maximum too high to qualify for an HSA.
- Second, the OBBB will allow HSA funds for direct primary care arrangements. And DPC arrangements will no longer be treated as a health insurance plan, so users could contribute to their HSA, which is currently illegal.
With DPC, doctors operate on a monthly retainer rather than insurance coverage — think of it as sort of a Netflix subscription for health care. DPC means less red tape, less paperwork, and more time for real connections with patients. Together, these changes will allow millions more Americans to enjoy the powerful benefits of an HSA. Indeed, the DPC provision alone would expand HSA access to 75 million Americans! These reforms will not only empower patients but also help reduce inflation, lower deficits, and offer relief from soaring medical costs. They form the foundation of a Personal Option in health care — a system that prioritizes choice, control, and affordability for all Americans. We could not have achieved these victories without your voice. But there is still more work to be done! By signing our Personal Option Petition, you’ll join millions of Americans advocating for a transparent, patient-first health care system that works for people — not bureaucracy. | 
