President Donald Trump has voiced support for a Republican proposal that would deposit up to $1,500 directly into Americans’ Health Savings Accounts, allowing individuals to pay medical expenses without routing money through insurance companies. Trump said he favors the plan because it puts cash directly in the hands of patients rather than insurers, which he criticized as profiting at the public’s expense.
The bill, sponsored by Sens. Bill Cassidy of Louisiana and Mike Crapo of Idaho, would provide $1,000 to Affordable Care Act enrollees ages 18 to 49 and $1,500 to those ages 50 to 64. The funds would be deposited directly into HSAs and could be used for out-of-pocket medical costs, though not for abortion or gender-transition procedures. The proposal would apply only to individuals enrolled in bronze or catastrophic plans on the ACA marketplace.
Eligibility would extend to individuals earning up to 700 percent of the federal poverty level—about $105,420 for a single filer and $218,400 for a family of four. Enrollees in silver, gold, or platinum plans would not qualify. The payment would be a one-time benefit and would still require approval from Congress before taking effect.
Trump framed the proposal as a way to give consumers more control over their health care decisions. He said the goal is to lower costs while allowing people to choose coverage that fits their needs, arguing that directing funds to individuals rather than insurers would improve affordability and accountability in the system.
The proposal comes as Republicans look ahead to the 2026 midterm elections, with affordability and cost-of-living concerns expected to be central issues. Trump has emphasized economic messaging focused on prices, paychecks, and returning money to voters, positioning the health savings account proposal as part of a broader effort to address financial pressures facing American households.