By Matthew Holloway |
Arizona Rep. Andy Biggs is pressing House Republican leadership to move quickly on a sweeping market-based overhaul of federal health-care policy, as enhanced Affordable Care Act (ACA) subsidies approach their scheduled expiration at the end of 2025.
In a letter co-signed by House Freedom Caucus Chairman Andy Harris (R-MD) and Reps. Eric Burlison (R-MO), Clay Higgins (R-LA), and Eli Crane (R-AZ-02), Biggs wrote, “Republicans have solutions, and it’s time to implement them.”
The proposal outlined by Biggs is designed as a free-market alternative to Obamacare and reflects key elements of President Donald Trump’s healthcare agenda. Supporters argue the framework would shift federal policy away from government subsidies and toward consumer-driven healthcare.
“The time for half measures is over,” Biggs wrote to Speaker Johnson. “The American people deserve healthcare reform built on freedom, affordability, flexibility, and choice—not more subsidies, red tape, or handouts for insurance companies.”
Under the proposal, conservatives would allow the expanded ACA premium tax credits to expire, arguing the subsidies have inflated healthcare costs, expanded federal dependency, and funneled taxpayer dollars through insurance companies rather than directly to patients. As Breitbart News noted, the framework draws on nine Republican proposals, including those of Reps. Greg Steube (R-FL), Tim Walberg (R-MI), Kevin Hern (R-OK), Bob Onder (R-MO), Chris Smith (R-NJ), Gary Palmer (R-AL), and Chip Roy (R-TX), as well as Senator Rick Scott (R-FL), and Rep. Andy Biggs’s own Health Savings Accounts for All Act.
The framework emphasizes expanded Health Savings Accounts (HSAs), allowing individuals to use tax-advantaged dollars for insurance premiums, prescriptions, and other medical expenses. It also promotes interstate insurance competition and expanded access through Association Health Plans; reforms aimed at lowering costs through market competition.
Biggs and his fellow conservatives argue that Obamacare’s structure relies too heavily on mandates, subsidies, and centralized control, which they say have driven up premiums while limiting consumer choice, particularly for self-employed individuals and those in the gig economy.
The plan also includes provisions to codify restrictions on taxpayer funding for abortion and reinforce conscience protections for healthcare providers, aligning with longstanding conservative policy priorities.
For Arizona, the debate carries direct implications for large numbers of independent contractors, small-business owners, and self-employed workers who often face high ACA marketplace premiums and limited plan options. Expanded HSAs and portable insurance plans could offer greater flexibility for those groups.
“This is a clear blueprint,” Biggs added in his letter to Speaker Johnson, “Americans should be able to take cost-sharing reduction payments and underlying Obamacare subsidies straight into their pockets, giving them control instead of funneling money through insurers.”
At the same time, thousands of Arizonans currently rely on ACA subsidies to offset insurance costs. If Congress allows those enhanced credits to expire without a complete replacement, some households could see premiums rise sharply in the short term.
The framework is not a single bill, but a coordinated package of existing legislative proposals intended to serve as the backbone of a broader GOP healthcare overhaul. With subsidies set to sunset in 2025, and 2026 midterm elections looming, Republican lawmakers face growing pressure to either replace the current system or risk widespread premium increases ahead of the 2026 election cycle.
Fellow Arizona Congressman Eli Crane, who co-signed the letter, amplified the effort on X, writing, “Let’s get it done.”
Biggs concluded his call-to-action writing, “The House must act with clarity and conviction. These reforms should be brought to the floor without delay. If we plant our flag now, we can rebuild a healthcare system that reflects true conservative principles and puts power back where it belongs, in the hands of patients, not bureaucrats or insurance companies.”
Biggs’ push effectively forces the debate into the open. It will compel Congressional Republicans to publicly choose between pursuing a complete market-based reset of federal healthcare policy or seeking a more limited adjustment to the existing ACA structure.
Matthew Holloway is a senior reporter for AZ Free News. Follow him on X for his latest stories, or email tips to Matthew@azfreenews.com.
