Making Health Care Affordable Again

People are sick and tired of an overcomplicated health care system that helps big insurance companies get rich while families struggle to cover the costs of skyrocketing premiums and prescription drugs. The status quo is broken and full of unchecked waste, fraud, and abuse.

That’s why I’m leading the charge to disrupt the failing status quo by introducing a plan to Make Health Care Affordable Again — the third pillar of my Blueprint for a Better America. These six bills will make big insurers put patients’ health care ahead of profits, crack down on runaway insurance fraud, lower prescription drug prices, and expand access to health savings accounts and insurance options. 

Care Over Profits Act of 2026 (H.R. 7861) 
This bill would crack down on fake insurance accounts by imposing criminal and civil penalties on agents and brokers who fraudulently create or modify ACA marketplace plans without consumer consent. Additionally, it would rein in wasteful spending by big insurance companies. The Medical Loss Ratio currently requires insurance companies to spend 80% of premium payments on actual medical care and quality improvement activities, but patients deserve better. My bill would increase this ratio to 85%, further limiting big insurers’ ability to divert patients’ money to overhead and profits. 

Stop ACA Enrollment Fraud Act (H.R. 7860)
This bill would also crack down on insurance plan fraud by prohibiting more than one ACA plan per Social Security number and requiring the Centers for Medicare and Medicaid Services to ensure patient consent — independent of an insurance agent or broker — for enrolling in or modifying a health plan.

HSAs for All Act (H.R. 7681)
Tax-free health savings accounts (HSAs) empower patients to invest and save for their out-of-pocket expenses, but they’re limited to high-deductible insurance policies. This bill would help more families save for their health care by allowing anyone enrolled in health insurance on the ACA marketplace or through an employer to open an HSA.

Health Care and Freedom and Choice Act (H.R. 379)
When people lose a job or go through some other transition, they can enroll in short-term, limited-duration health insurance to cover their care for a time. A Biden-era rule prevented patients from renewing one of these plans beyond four months, even if they still need this stopgap insurance. This bill would allow people to keep a short-term health plan for up to three years if necessary.

Global Fairness in Drug Pricing Act (H.R. 3493)
Prescription drug prices are one of the biggest costs for so many Michiganders who need regular medicine. Other countries take advantage of America, forcing manufacturers to sell to overseas buyers at a loss, while Americans pay extra to make up the difference. Last year, President Donald Trump issued an executive order requiring pharmaceutical manufacturers to give U.S. patients “most-favored nation” pricing. The bill I co-sponsored will make this policy permanent to ensure American patients can buy medicine at prices comparable to those paid by other countries.

Stop Penalizing Working Seniors Act (H.R. 6577) 
Current law prohibits seniors enrolled in any part of Medicare from claiming their health savings account contributions as a tax deduction. That means seniors who are still working and enroll only in Medicare Part A — hospital insurance — can’t make tax-free deposits in an HSA to pay for their other medical expenses. This bill allows seniors enrolled only in Part A to continue investing in an HSA tax free.

Together, these bills will lower costs for Michiganders by expanding choices and taking on big insurers, drug manufacturers, and fraudsters. By addressing the problems and unfair practices at the root of high health care costs, we can finally put patients back in charge and make health care more affordable.

Click here to follow along as I continue unveiling my Blueprint for a Better America or to submit your own ideas for Making Health Care More Affordable.