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house Bill H.R. 6311

Letting Premium Tax Credits Cover Low Premium Insurance Plans & Ending the “Use It or Lose It” Rule for Flexible Spending Accounts

Argument in favor

This bill would expand consumers’ choices in the healthcare market by allowing all to purchase the health insurance plans with premium assistance tax credits while making changes to make Health Savings Accounts more useful to all Americans.

Jennifer 's Opinion
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07/25/2018
Comments are all over the board again. And with many, it’s very obvious that they have not read the legislation, nor do they have even a basic understanding of health savings accounts. Even the Democrat opposition listed show their ignorance. But for the most part...1) This is somewhat bi-partisan, 2) Just because it doesn’t include birth-control—which I think it should, because a person is spending money from their own account and it is not funded by an employer—that an individual can use it for over-the-counter drugs may help prevent a more expensive trip to the physician (pregnancy or flu), 3) It will allow for gym fees to be included which works toward prevention, 4) Health Savings Accounts are not only for the rich. Many employers offer these, 5) Health Savings accounts allow people to put pre-taxed income in an account to use for healthcare, and allow for flexibility for those CHOOSING to use one, 6) These accounts will not drive up healthcare costs, but provide one more option to pay for the things that may help someone to stay healthy so they don’t have to run off to the doctor for every sniffle, for high blood pressure or pre-diabetes related illnesses, all which can be prevented with exercise. I say vote, “yeah,” on this legislation.
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07/22/2018
Yes to self-sufficiency. Yes to keeping more of your own money. Yes to increased HSA allowances.
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David's Opinion
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07/25/2018
Health Savings Accounts (HSA) are a No-Brainer! Young people can become healthcare independent by retirement age as a result of having an HSA during their working life.
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Argument opposed

This bill would unwisely promote enrollment in cheap health insurance plans that cover few up-front costs and expand Health Savings Accounts, which primarily benefit the wealthiest Americans.

Craig 's Opinion
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07/22/2018
Single payer healthcare now! The ACA does nowhere near enough to help Americans. This bill favors wealthy Americans. Keep the ACA intact or replace it with Medicare for all.
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alexbente's Opinion
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07/25/2018
Single payer healthcare system is really the best move forward for healthcare in America.
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Hannah's Opinion
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07/22/2018
No, under the guise of increased consumer flexibility, this bill would start the slippery slope back down to where we were before. The paltry protections they give are not worth the money they cost. Please vote no.
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bill Progress


  • Not enacted
    The President has not signed this bill
  • The senate has not voted
  • The house Passed July 25th, 2018
    Roll Call Vote 242 Yea / 176 Nay
      house Committees
      Committee on Energy and Commerce
      Committee on Ways and Means
    IntroducedJuly 6th, 2018

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    Comments are all over the board again. And with many, it’s very obvious that they have not read the legislation, nor do they have even a basic understanding of health savings accounts. Even the Democrat opposition listed show their ignorance. But for the most part...1) This is somewhat bi-partisan, 2) Just because it doesn’t include birth-control—which I think it should, because a person is spending money from their own account and it is not funded by an employer—that an individual can use it for over-the-counter drugs may help prevent a more expensive trip to the physician (pregnancy or flu), 3) It will allow for gym fees to be included which works toward prevention, 4) Health Savings Accounts are not only for the rich. Many employers offer these, 5) Health Savings accounts allow people to put pre-taxed income in an account to use for healthcare, and allow for flexibility for those CHOOSING to use one, 6) These accounts will not drive up healthcare costs, but provide one more option to pay for the things that may help someone to stay healthy so they don’t have to run off to the doctor for every sniffle, for high blood pressure or pre-diabetes related illnesses, all which can be prevented with exercise. I say vote, “yeah,” on this legislation.
    Like (27)
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    Single payer healthcare now! The ACA does nowhere near enough to help Americans. This bill favors wealthy Americans. Keep the ACA intact or replace it with Medicare for all.
    Like (75)
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    Single payer healthcare system is really the best move forward for healthcare in America.
    Like (40)
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    No, under the guise of increased consumer flexibility, this bill would start the slippery slope back down to where we were before. The paltry protections they give are not worth the money they cost. Please vote no.
    Like (34)
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    Yes to self-sufficiency. Yes to keeping more of your own money. Yes to increased HSA allowances.
    Like (20)
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    Those of you screaming for single payer healthcare must not care about quality healthcare. The government has no business meddling in our healthcare. Our government runs the VA. Look how well that has worked out for our veterans. Not so well. We need competition among insurance companies. If we could buy insurance crossing state lines, our premiums would definitely drop.
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    WHAT crap is this? Just another way for the 1% to become richer and the 99% to get screwed.
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    The devil in the details.
    Like (9)
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    Health Savings Accounts (HSA) are a No-Brainer! Young people can become healthcare independent by retirement age as a result of having an HSA during their working life.
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    THIS BILL IS JUST ANOTHER WAY TO TAKE ADVANTAGE OF THE POOR WITH BAD HEALTH PLANS THAT WILL COST THEM MORE THAN THEY CAN EVER RECOVER FROM IT EVEN IF THEY GET A SERIOUS ILLNESS, WHICH IT WILL MOSTLY NOT COVER! THIS IS JUST ANOTHER REPUBLICAN WAY TO MAKE MONEY FROM THE MISERY OF THE POOR AND TAKE ADVANTAGE OF THEM! THIS IS WHY WE NEED MEDICARE FOR ALL, JUST AS ALL OF THE OTHER COUNTRIES IN THE DEVELOPED WORLD HAVE HAD FOR DECADES! YOU REPUBLICANS NEVER DO ANYTHING UNLESS YOU CAN MAKE MONEY FROM IT! SHAME ON YOU FOR BEING SO UNCHRISTIAN AND UNAMERICAN!
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    No. It would raise the premiums for those who do not have insurance and look to get their insurance through the ACA. These low cost plans are garbage plans. I know of people who have has the HSA plans and if you have chronic conditions such as asthma, you will run out of money to pay for your healthcare and prescriptions. We need single payer.
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    Yes,Yes, Yes!!! This bill would expand consumers’ choices in the healthcare market by allowing all to purchase the health insurance plans with premium assistance tax credits while making changes to make Health Savings Accounts more useful to all Americans.
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    The very essence of insurance is to spread the total cost to everyone so no one is stuck with high premiums because they are sick. This destroys that model by letting healthy people purchase small plans. Stop the madness and stop destroying healthcare in America!
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    I have used FSA’s they are not for the wealthy you get them through your work as part of their medical plan. They enable you to set aside money before taxes that you can use for dental procedures health bills or hearing aids and prescription drugs
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    We need FSAs even if your employer does not offer them and for people on Medicare as a way to save their maximum yearly possible expenditure.
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    Medicare for all is the only fair way to go.
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    Just another misleading effort by Republicans to dismantle the ACA.
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    This bill would expand consumers’ choices in the healthcare market by allowing all to purchase the health insurance plans with premium assistance tax credits while making changes to make Health Savings Accounts more useful to all Americans. Increase my liberties and freedoms by allowing me to make my own choices and spend my own money.
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    The poor don’t have health savings accounts. Why do you keep proposing things that only benefit the rich??? And this would increase enrollment in crappy plans that are useless for most medical needs. So healthcare would be cheaper but useless. The poor will continue to die from treatable illnesses because you continue to take away their access to decent healthcare.
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    These insurance plans cover less have higher deductibles and destabilise the insurance industry for sick older people who need insurance most.
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