Our Personal Option Health Care Vision for Lawmakers
How lawmakers can help give Americans a Personal Option in health care
Americans aren’t looking for a government takeover of health care, they want to keep what works and fix what’s broken. A Personal Option offers a robust menu of policy reforms that will give Americans more choice and control over their own health care, saving them money while expanding access to the doctors they want to see.
Due to current federal laws, only 10% of Americans can take advantage of Health Savings Accounts. I’m fighting to ensure the American people who want a HSA have access to one. We need a Personal Option.
Rep. Cory Mills (Florida’s 7th District)
More innovation in healthcare is pivotal to keeping Floridians healthy. This is why I support solutions in the Personal Option, including expanded HSAs, telehealth opportunities—especially in our rural communities—and direct primary care agreements.
Rep. Kat Cammack (Florida’s 3rd District)
Telehealth is expanding and transforming the Healthcare industry. We need more innovative solutions to our healthcare system like the Personal Option.
Rep. Greg Steube (Florida’s 17th District)
Giving the American people more choices in their healthcare—that’s what we’re talking about with the Personal Option.
Rep. Bill Johnson (Ohio’s 6th District)
70% of Americans want a Personal Option in health care that makes it easier for them to receive care through telehealth.
Rep. Brian Fitzpatrick (Pennsylvania’s 1st District)
I think the Personal Option is right on. It really is about personal choice, as opposed to government running healthcare.
Rep. Lloyd Smucker (Pennsylvania’s 11th District)
The Personal Option is spot on with so many of the things that we are talking about on our Healthy Futures Task Force.
Rep. Brad Wenstrup (Ohio’s 2nd District)
Patients should be empowered to see the doctors they trust. Expanding health savings accounts to be used for primary care doctors gives patients control & allows them to make the best decisions for themselves. As a doctor, I understand we need a Personal Option in health care.
Sen. Bill Cassidy, M.D., Louisana
It is very simple – when you give consumers more options costs go down and quality goes up. That is a core tenant of economics and the reason why we need a Personal Option in health care as costs are at an all-time high.
Sen. Cynthia Lummis, Wyoming
Expanding telehealth access is vital for rural communities and the Personal Option gives patients more control over their healthcare. That’s why I cosponsored H.R. 4189, the bipartisan CONNECT for Health Care Act of 2023 and H.R. 1843, the bipartisan Telehealth Expansion Act of 2023.
U.S. Congressman Don Bacon (Nebraska’s 2nd District)
Personal Option in health care means you decide how you receive your care. With more Health Savings Accounts, telehealth options, and fewer barriers for doctors and nurses, it’s time we prioritize patients over paperwork. I support policies giving all Americans a personal option.
U.S. Congressman Andy Ogles (Tennessee’s 5th District)
The Personal Option is about empowering every American with the tools, flexibility, and freedom they need to make informed healthcare decisions. Together with AFP, we’re expanding access and removing barriers to drive healthcare solutions for all Americans.
U.S. Congressman Burgess Owens (Utah’s 4th District)
We need more freedom in healthcare and fewer government and insurance bureaucrats pushing a ‘one-size fits all” system.’ The Personal Option is a great step in advancing the healthcare freedom Americans deserve.
U.S. Congressman Chip Roy (Texas’ 21st District)
I’ve remained committed to protecting and expanding access to care through telehealth legislation for many years in Congress. We are grateful to Americans For Prosperity in supporting our efforts toward the continuation of utilizing telehealth for the further advancement of a Personal Option.
U.S. Congressman David Schweikert (Arizona’s 1st District)
Proposed solutions to our broken health care system are generally confined to maintaining the status quo and can’t meet the needs of every American. We need a Personal Option to put patients and providers back in the driver’s seat.
U.S. Congressman Pete Sessions (Texas’ 17th District)
10 actions lawmakers can take to advance a Personal Option in health care
Across the nation, principled state and federal lawmakers are working to pass components of a Personal Option approach to health care. These include proven reforms such as expanding access to tax-free health savings accounts, repealing certificate-of-need laws, increasing telehealth access, creating affordable insurance options, and promoting price transparency.
These reforms, and their sponsors, deserve our support.
Personal Option enables lawmakers to:
Give patients more control of their health care dollars
Let every American have a Health Savings Account or similar account — a powerful tool that saves you money by enabling you to pay and save for health care, tax-free
- Enact the HOPE Act by Rep. Blake Moore, HR-955 (2025)
- Enact the HSA Modernization Act by Rep. Beth Van Duyne, HR-548 (2025)
- Enact the ACCESS Act by Rep. Greg Steube, HR-1157 (2025)
Let independent contractors make and receive direct contributions to their HSA, without those contributions causing them to be classified as “employees”
- Enact the Modern Worker Security Act by Rep. Kevin Kiley, HR-1320 (2025)
Let employees use tax-free money from their employer to buy personally tailored, portable health insurance that stays with them from job to job
- Enact the CHOICE Arrangement Act by Rep. Kevin Hern, HR-3799 (2023)
Give patients direct access to doctors
Protect patients’ freedom to use direct primary care, which lets you pay a flat monthly subscription for access to your most trusted doctors and deep drug discounts, with no insurance-company middleman
- Enact the Primary Care Enhancement Act by Sen. Bill Cassidy, S-1719 (2025)
- Enact the Primary Care Enhancement Act by Rep. Lloyd Smucker, HR-1026 (2025)
- Enact the Direct Medical Care Freedom Act by Rep. Chip Roy, HR-1140 (2025)
Expand telehealth access
Let patients share medical information with their trusted doctors remotely in real time
- Enact the Permanent Telehealth from Home Act by Rep. Vern Buchanan, HR-1407 (2025)
Free up health facilities to expand and compete
End abusive hospital facility fees and dishonest billing (site-neutral payment reform)
- Enact the SITE Act by Sen. Mike Braun, S-1869 (2023)
- Enact the Servicemember Site-Neutrality Act by Rep. Rich McCormick, HR-874 (2025)
- Enact the Veterans Site-Neutrality Act by Rep. Rich McCormick, HR-875 (2025)
Lift the obsolete federal moratorium on physician-owned hospitals, to unleash competition
- Enact the Patient Access to Higher Quality Care Act by Sen. James Lankford, S-1390 (2025), and Rep. Beth Van Duyne, HR-4002 (2025)
- Enact the Physician Led and Rural Access to Quality Care Act by Rep. Morgan Griffith, HR-2191 (2025)
Repeal state “certificate of need” laws, which needlessly restrict competition, drive up costs, and force people to travel further for medical care
Liberate doctors to deliver care
Encourage states to curb abusive hospital “non-compete” contracts, so doctors can choose the care setting that’s best for their patients
Encourage states to recognize the licenses of professionals from other states, so doctors and nurses can practice across state lines
Allow qualified, internationally trained physicians to live and practice in America without having to re-do their training
Let doctors and nurses bill Medicare for care they deliver outside their home state
Reduce prescription drugs costs
Substantially boost the number of drugs available over the counter without a doctor’s prescription
Streamline FDA drug approvals to give patients and doctors more options without reducing safety
- Enact the RESULTs Act by Sen. Ted Cruz, S-1712 (2023), and Rep. Chip Roy, HR-3532 (2023)
- Enact the Promising Pathway Act 2.0 by Sen. Mike Braun, S-9938 (2024)
- Enact the Biosimilar Red Tape Elimination Act by Sen. Mike Lee, S-2305 (2023)
Remove barriers to robust pharmaceutical competition, for example, by repealing rules that grant drug companies undeserved patent extensions that keep medicine prices high
Repeal and resist government price controls, including on prescription drugs, because they stifle life-saving innovation and cause harmful shortages, ultimately driving drug prices higher
Expand affordable insurance options
Eliminate needless government insurance mandates, so coverage costs less, and consumers can buy only what they need — all while protecting people with pre-existing conditions
Protect access to short term health insurance plans, which can be significantly more affordable than traditional plans
- Enact the Health Care Freedom and Choice Act by Rep. Buddy Carter, HR-379 (2025)
Legalize association health plans, which let small businesses band together to buy affordable coverage for their employees at group discount rates
- Enact the CHOICE Arrangement Act by Rep. Kevin Hern, HR-3799 (2023)
Exempt state farm bureau health plans and similar nonprofit cooperatives from state and federal insurance regulation, so families have access to truly affordable, portable coverage that meets their needs
Promote price transparency
Incentivize doctors and hospitals to publish, and compete on, their cash-pay prices, by arming patients to shop for value with such powerful tools as tax-free health savings accounts and direct primary care
- Enact the HOPE Act by Rep. Blake Moore, HR-955 (2025)
- Enact the Primary Care Enhancement Act by Sen. Bill Cassidy, S-1719 (2025)
Strengthen government safety nets to protect the most vulnerable
Give low-income families more choice and control over their care by arming them with health savings accounts
- Enact the ACCESS Act by Rep. Greg Steube, HR-1157 (2025)
- Enact the Medicaid Improvement and State Flexibility Act by Rep. Mark Green, HR-936 (2025)
Let people on Medicare contribute to a Health Savings Account, which is currently prohibited
- Enact the HSA Modernization Act by Rep. Beth Van Duyne, HR-548 (2025)
Let seniors choose the health insurance plan that works best for them
- Enact the Retirement Freedom Act by Rep. Gary Palmer, HR-2793 (2025)
Restore Medicaid to its original mission as a safety net for the truly vulnerable by giving states more flexibility and better incentives to control costs, eliminate waste, and protect taxpayers
Help people, not insurance companies
Reform all government health care subsidies so money is controlled by individuals, rather than by third parties like insurers, employers, and the government