Sen. Rick Scott Introduces Bill to Fix Obamacare and Drive Down Health Care Costs
November 20, 2025
WASHINGTON, D.C. – Today, Senator Rick Scott announced his new bill, the More Affordable Care Act, to fix Obamacare and drive down costs for the American people with simple fixes that will help families get the health care that fits their needs, instill transparency in the system, and ensure support to Americans is sent to them directly, not to insurance companies. This bill would use HSA-style Trump Health Freedom Accounts to put health care decisions in the hands of Americans. Under Senator Scott’s proposal, Obamacare will continue, healthcare.gov and state exchanges will continue, protections for pre-existing conditions remain in place, and families who need a safety net have one that works for them.
Senator Rick Scott said, “Obamacare has failed to deliver on its promises: families didn’t get to keep their insurance plans, couldn’t keep their doctors, and didn’t save money - and neither did the federal government. Instead, Obamacare created a system that left American families with fewer choices, higher costs, and health care that doesn’t meet their needs. That’s obvious, and it’s why President Trump and the American people are demanding solutions to fix this broken system. My new bill makes simple fixes to Obamacare that will make a world of difference to American families by making Americans the consumer, not the government, while giving them options and transparency. Healthcare.gov and state exchanges continue, protections for pre-existing conditions remain in place, and families who need a safety net have one that works for them.
“Here's how it works: first, President Trump is right that we have to stop giving tax dollars to big insurance companies and instead send them to families through a Trump Health Freedom Account – an HSA-style account that allows families to use these dollars for any plan they want. Second, let them shop across state lines and purchase the health care plan that best fits their needs. Third, bring transparency to health care so Americans – the consumers and patients – know what things cost so they can make informed decisions. This new system will create market forces to drive competition and reduce costs for families. Americans will always make a better choice for their families than the government will; we should give them that opportunity and take a huge step forward in fixing Obamacare.”
Senator Scott’s legislation:
- Establishes Trump Health Freedom Accounts, HSA-style accounts that ensure federal dollars to support families are delivered to them directly, not funneled to insurance companies;
- These funds can be applied to premiums and will be Hyde-compliant by restricting use on abortion health plans or abortion services;
- Offers more options for plans that will create market-driven incentives to drive down costs;
- Allows Americans to shop across state lines with the creation of a state waiver program within the Affordable Care Act, further expanding competition within the health insurance market and the availability of health insurance plans within existing ACA exchanges.
- Any health insurance plan that is approved by a waiver state’s insurance commissioner shall be sold on an easily accessible exchange, whether that’s the federal exchange of healthcare.gov, a state’s exchange, or a state-managed, commercially run exchange.
- Enhances President Trump’s Executive Order to increase transparency in health care and provide patients with the price and quality of a good or service in advance. Families will have up-front pricing on what things will cost them – a health care menu – so they can make informed decisions and plan for their needs.
- Maintains protections for pre-existing conditions; and
- Enhances the Small Business Tax Credit to encourage employer-sponsored coverage and increase accessibility.
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