Health Care Costs and the ACA

President Trump’s "Great Healthcare Plan" is a high‑level four‑pillar framework — drug pricing, insurance reforms, price transparency and fraud protections — that the White House says would redirect federal payments “directly to you,” potentially by routing funds into health savings accounts (HSAs), but it provides no legislative text or operational details. Experts and Democrats warn it does not address the lapse of enhanced ACA premium subsidies and could leave lower‑income and ACA enrollees worse off, since HSAs skew to higher‑income users and the approach could encourage non‑comprehensive coverage that undermines ACA protections.