This bill amends the Family and Medical Leave Act (FMLA) to explicitly include the birth of a child as a qualifying reason for leave, directly affecting employees taking leave for childbirth. It adds "the birth of a son or daughter" to the list of covered events under FMLA and requires employers to notify eligible employees that they cannot recover health insurance premiums paid during leave if the employee does not return after childbirth leave. The key change prevents employers from charging employees for health coverage costs if they choose not to return to work following a birth-related leave. This update clarifies existing FMLA protections without altering leave duration or pay.
This bill modifies tax rules to treat direct primary care service arrangements as deductible medical expenses. It defines such arrangements as fixed monthly fees paid directly to primary care doctors (excluding surgeries, anesthesia, or certain lab tests), with deductible amounts capped at $150 per month (adjusted annually for inflation). The law affects individuals using this care model and employers offering it, allowing them to count these fees toward medical expense deductions. It also clarifies that these arrangements are not considered health insurance for tax purposes and requires reporting fees on W-2 forms for employment-linked plans. The changes apply to months beginning after December 2025.
HR 6423, the HELP Copays Act, requires health insurance plans and coverage to count financial assistance from non-profits or drug manufacturers toward patient cost-sharing limits like deductibles and copayments. This directly affects patients enrolled in health insurance who receive such assistance for prescription drugs, ensuring the help they get reduces their out-of-pocket costs faster. The bill amends key health laws to mandate that these payments are included when calculating whether a patient has met their deductible or copayment threshold. The change applies to all prescription drugs, including specialty drugs and those subject to prior authorization, but does not alter how insurers manage drug access through tools like step therapy. It takes effect for plan years starting in 2026.
The New Health Options Act of 2025 establishes a federal reinsurance program to lower premiums for certain individual health insurance plans. It provides payments to insurers covering "eligible individuals" enrolled in specific off-Exchange plans, with a $110,000 attachment point and 90% coverage up to $300,000 per claim, funded by $50 per member-month (capped at $6 billion annually). The bill also allows insurers to opt out of the standard risk pool (affecting how premiums are calculated) and removes limits on age-based premium variations for some plans, while maintaining a 3:1 age ratio for others. Additionally, it requires insurers to apply out-of-network costs to deductibles and mandates health care providers to disclose price comparisons for covered services.
HR 6897, the Thyroid Disease CARE Act of 2025, directs the U.S. Department of Health and Human Services to fund research and public awareness efforts focused on thyroid disease. It authorizes $30 million annually (2026-2030) to study disparities in diagnosis, treatment, and outcomes - particularly for women and underserved groups like racial minorities, people with disabilities, and those with limited insurance - while developing new diagnostic tools and treatments. The bill also allocates $3 million yearly for a public campaign to educate patients about symptoms, treatment options, and screening, especially during pregnancy, and to train healthcare providers on equitable care. This legislation affects patients with thyroid conditions (including nodules and cancer), healthcare systems, and providers, without altering insurance coverage or creating new benefits.
S 2377, the EACH Act of 2025, requires all federal health programs - including Medicaid, Medicare, the Children’s Health Insurance Program (CHIP), and the Indian Health Service - to cover abortion services without restrictions based on income or insurance type. It repeals the Hyde Amendment (Section 1303 of the ACA), which previously barred federal funds from covering most abortions, and prohibits state or private insurance plans from restricting abortion coverage. This directly affects millions enrolled in federal health programs, particularly low-income individuals, women of color, and young people, who face barriers to abortion access under current laws. The bill mandates that all federally funded health programs provide comprehensive abortion coverage as a standard benefit.
Lower Health Care Costs Act This bill extends for three years, through 2028, temporary changes enacted by the American Rescue Plan Act of 2021 (ARPA) and the Inflation Reduction Act of 2022 (IRA) that generally expand eligibility for and increase the amount of the premium tax credit. Currently, eligible taxpayers may be able to claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To be eligible for the premium tax credit, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the ARPA and IRA eliminated the maximum income limit, which generally expands eligibility for the premium tax credit. Further, under current law, the amount of the premium tax credit is (1) generally the plan premium (conditions apply), minus (2) the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage is a specific percentage that varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the ARPA and IRA lowered the applicable percentages and eliminated the adjustment of the applicable percentages for inflation, which generally increases the amount of the premium tax credit. The bill extends for three years, through 2028, the elimination of the 400% maximum income limit, the lower applicable percentages, and the elimination of the inflation adjustment for the applicable percentages.
The Find It Early Act requires health insurance plans and government health programs to cover breast cancer screenings with no cost-sharing for certain high-risk individuals. It affects people at increased breast cancer risk (based on medical guidelines), with dense breast tissue, or determined by healthcare providers to need screening due to factors like age, race, ethnicity, or family history. The bill mandates coverage for various screening methods including mammograms, ultrasounds, MRI, and molecular imaging without frequency limitations. This applies to group health plans, Medicare, Medicaid, TRICARE, and VA health care, with most provisions taking effect January 1, 2026.
This bill expands Medicare, Medicaid, and CHIP coverage for specific cancer diagnostic tests, directly affecting cancer patients enrolled in these programs. It requires Medicare to cover genetic tests like DNA sequencing (80% of cost) and limits testing frequency to once at diagnosis, once for recurrence, and as needed for treatment planning. Medicaid and CHIP must include these tests as mandatory coverage starting January 1, 2027, with states given flexibility to comply via state legislation. The bill also mandates a new HHS education program to inform doctors and the public about genomic testing for cancer care.
This bill prohibits federal and state governments from restricting access to FDA-approved medicines. It guarantees individuals the right to obtain these medicines without coercion and allows healthcare providers (like doctors and pharmacists) to prescribe or refer for them. The law blocks governments from implementing rules that single out or hinder the sale, provision, or use of FDA-approved drugs, such as bans on specific medicines or barriers to patient access. It does not affect the FDA's drug approval process or existing health insurance coverage requirements.
