ACCESS Act

This bill allows individuals enrolled in silver-level health plans through the Affordable Care Act marketplace to opt for health savings account (HSA) contributions instead of reduced cost-sharing subsidies. Insurers would deposit funds directly into the enrollee’s HSA (equal to the value of the standard cost-sharing reduction) rather than the government paying the subsidy. It requires insurers to offer high-deductible plan alternatives to silver plans and mandates public education about HSA options starting in 2026. The policy change applies to months beginning after December 2025, shifting how cost-sharing support is delivered to eligible enrollees.