Rep. Roy Introduces the Personalized Care Act to Help Restore Americans’ Healthcare Freedom

On Tuesday, I introduced the Personalized Care Act, which aims to help Americans get the healthcare they need by decreasing bureaucracy and increasing their choices.

America’s healthcare system is unquestionably broken; Americans are hurting from climbing prices while massive insurance corporations enrich themselves off a one-sided system. Our crumbling system is filled with government and insurance bureaucrats telling Americans how and when they will get care. It’s time to put the American people back in charge of their own healthcare choices. The Personalized Care Act works to allow individuals to control their healthcare by cutting down on bureaucracy and giving families more choices through more freedom.

I first introduced the Personalized Care Act in January 2020.  I reintroduced the legislation Tuesday alongside my friend and fellow Texan, Sen. Ted Cruz.

“The Personalized Care Act puts patients and doctors back at the center of healthcare—not Washington bureaucrats. This bill makes it easier to pay for health insurance and increases portability and accessibility for millions of Americans," said Sen. Cruz. "In a time when Democrats are pushing to increase federal control of our healthcare system, I urge my colleagues in Congress to swiftly pass commonsense reforms like this to finally create personalized healthcare for all Americans—especially as we work to defeat the deadly COVID-19 virus.”

Full text of the bill is available at the link here.

In short, the Personalized Care Act would give Americans more control over their healthcare choices, reduce costly bureaucracy, and build healthcare freedom by:

Offering millions of Americans improved access to Health Savings Accounts (HSAs)

  • The bill decouples HSAs from high-deductible health insurance plans, expands HSAs for individuals with Medicare, Medicaid, CHIP, direct medical care, healthcare sharing ministries, short-term limited-duration plans, and medical indemnity plans.

Increasing annual contributions for HSAs

  • The bill increases HSA contribution limits from $3,550 (2020 limit) to $10,800 for individuals and from $7,100 (2020 limit) to $29,500 for families.

Expanding HSA-eligible health care expenses

  • The bill extends allowable HSA withdrawals to include direct medical care fees, healthcare sharing ministry fees, and insurance premiums.

Eliminating regulatory confusion for patients and doctors

  • Defines direct medical care and healthcare sharing ministries as qualified medical expenses and not health plans or insurance plans.

Decreasing the tax penalty for nonqualified HSA payments

  • Reduces the penalty for nonqualified distributions from 20 percent to 10 percent.

This legislation is supported by many conservative, physician, and HSA groups including, the National Taxpayers Union, FreedomWorks, Americans For Prosperity, Americans For Tax Reform, Heritage Action, the Texas Public Policy Foundation, Free2Care, AMAC, 60 Plus, Citizens Council for Healthcare Freedom, The Association of American Physicians and Surgeons, DPC Action, HSA Council, and the HSA Coalition.

Senator Cruz and I introduced this legislation alongside the RESULT Act, information for which is available here.

I am a member of the House Judiciary Committee, the House Veterans Affairs Committee and I am the chairman of the Republican Study Committee’s Health Care Taskforce.


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