Spilled pill bottle on a 100 dollar bill.

Lower Health Care Costs

Health Costs Grow Slower than Wages

The best way to lower premiums and out-of-pocket costs is to prevent illness, shrink the cost of care, and improve incentives for high-value care.


Repeal the Inflation Reduction Act (IRA):

Lawmakers need to stabilize the market, lower premiums, increase plan choices, and improve patient access to medicines.


Lower drug costs and pay for outcomes:

Congress should allow payers and manufacturers to pay for drugs based on a patient’s outcome, not the number of treatments.


Lower provider services costs and improve value:

Congress should revamp hospital and physician value-based programs in Medicare to reward patient outcomes, not process changes.


Expand Private Market Coverage

Universal Access to Affordable Coverage

Establish a new balance that reduces reliance on government-run health care, and renews the commitment to private options and employer sponsored insurance.


Protect employer coverage and strengthen ERISA:

The Employee Retirement Income Security Act (ERISA) has allowed employers to provide employees and their families – no matter where they live or work – with high-quality health insurance for 50 years. It is important to continue protecting and strengthening ERISA by:

  • Expanding options for employers and their employees
  • Providing financial incentives to ensure employer coverage remains viable
  • Enacting policies to lower the cost of health services and drugs to reduce premiums and out-of-pocket costs

Modernize HSAs:

Allow accounts to be used for direct primary care, on-site employer clinics, and telehealth services, and to allow veterans and Native Americans to own an HSA.

Allow any worker whose employer offers a plan that meets a minimum value to own an HSA.

Create new gig-worker HSAs to recognize changes in the workforce that have created new types of businesses and contract employees.


Expand small group coverage:

Ensure employers have access to self-funded plans, and expand and make permanent Association Health Plans (AHPs) to allow small businesses to band together to negotiate lower costs.

Reform the Small Employer Health Insurance Tax Credit by expanding eligibility and allowing the credit to be used for all major medical plans, not just exchange coverage.


News snippets about healthcare.

Limit the Role of Government

More choices leads to improved value, meaningful transparency, and innovation

A regulatory reset is needed to get government micromanagement out of health care to better empower consumers, expand competitive markets, and drive e iciency.

Oppose government-run healthcare.

Oppose government price setting and interference with worker’s benefits (Medicare for All, Public Option, capping or eliminating tax benefits for workers’ health).


Expand market competition.

Set clear rules against anti-competitive practices.


119th Congress Bill Tracker

Below is a list of bills CAHC is actively tracking. If you have any questions about a specific bill, please reach out to the team.

Nothing here.

  • Ensuring Pathways to Innovative Cures (EPIC) Act

    Status Introduced in House (IH)

    To amend title XI of the Social Security Act to equalize the negotiation period between small-molecule and biologic candidates under the Drug Price Negotiation Program.

    Sponsors/Co-sponsors:  Murphy, Gregory F. / Davis, Donald G. / Hudson, Richard

    Date Introduced:  2025-02-21 (119th Congress)
    Last Updated:  2025-02-21

    More Info
  • Personalized Care Act of 2025

    Status Introduced in Senate (IS)

    To amend the Internal Revenue Code of 1986 to expand and improve health savings accounts, and for other purposes.

    Sponsors/Co-sponsors:  Cruz, Ted / Marshall, Roger

    Date Introduced:  2025-01-28 (119th Congress)
    Last Updated:  2025-01-28

    More Info
  • HSA Modernization Act

    Status Introduced in House (IH)

    To amend the Internal Revenue Code of 1986 to modernize health savings accounts.

    Sponsors/Co-sponsors:  Van Duyne, Beth / Crenshaw, Dan / Meuser, Daniel

    Date Introduced:  2025-01-16 (119th Congress)
    Last Updated:  2025-01-16

    More Info
  • Ensuring Pathways to Innovative Cures (EPIC) Act

    Status Introduced in Senate (IS)

    To amend title XI of the Social Security Act to equalize the negotiation period between small-molecule and biologic candidates under the Drug Price Negotiation Program.

    Sponsors/Co-sponsors:  Tillis, Thomas / Budd, Ted / Blackburn, Marsha / Daines, Steve / Lankford, James

    Date Introduced:  2025-03-04 (119th Congress)
    Last Updated:  2025-03-04

    More Info
  • Self Insurance Protection Act

    Status Introduced in House (IH)

    To amend the Employee Retirement Income Security Act of 1974 to exclude from the definition of health insurance coverage certain medical stop-loss insurance obtained by certain plan sponsors of group health plans, and for other purposes.

    Sponsors/Co-sponsors:  Onder, Robert

    Date Introduced:  2025-04-01 (119th Congress)
    Last Updated:  2025-04-01

    More Info
  • Primary Care Enhancement Act of 2025

    Status Introduced in House (IH)

    To amend the Internal Revenue Code of 1986 to allow individuals with direct primary care service arrangements to remain eligible individuals for purposes of health savings accounts, and for other purposes.

    Sponsors/Co-sponsors:  Smucker, Lloyd / Tenney, Claudia / Schneider, Bradley Scott / Panetta, Jimmy / Crenshaw, Dan / Schrier, Kim

    Date Introduced:  2025-02-05 (119th Congress)
    Last Updated:  2025-02-05

    More Info
  • Association Health Plans Act

    Status Introduced in House (IH)

    To amend the Employee Retirement Income Security Act of 1974 to clarify the treatment of certain association health plans as employers, and for other purposes.

    Sponsors/Co-sponsors:  Walberg, Tim / Allen, Rick W. / Onder, Robert / Crenshaw, Dan / Bice, Stephanie I. / Kiley, Kevin / Grothman, Glenn / Mackenzie, Ryan / Huizenga, Bill

    Date Introduced:  2025-04-01 (119th Congress)
    Last Updated:  2025-04-01

    More Info

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