Rep. Roy reintroduces the Personalized Care Act to help restore Americans’ healthcare freedom

WASHINGTON — Today, Congressman Chip Roy (TX-21) — along with Sen. Ted Cruz (R-TX) reintroduced the Personalized Care Act to make healthcare more affordable and provide Americans with more freedom in their healthcare decisions.

“Every year America's healthcare system becomes more expensive and less accessible due to the crony capitalist swamp of corporate and government interests that prioritizes power and profits over patients and doctors. The Personalized Care Act would re-empower the American people to break out of this broken system to make their own healthcare decisions with control over their healthcare dollars — as outlined in my recent report on America's healthcare system. I am proud to introduce this bill with my friend Senator Ted Cruz to take on the Big Healthcare racket.   If we want to Make America Healthy Again — if we want to make care truly affordable —  the answer is healthcare freedom.  The Personalized Care Act is a needed step towards that goal,” said Congressman Roy.

Sen. Cruz said, “I’m fighting to return control to patients and their doctors—not Washington bureaucrats. Democrats are pushing for full government control of America’s healthcare. The Personalized Care Act expands Health Savings Accounts, increases portability, and makes it easier for families to make healthcare decisions for themselves. I urge my colleagues to pass this legislation expeditiously.”

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

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

• The bill decouples HSAs from high-deductible health insurance plans, and 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 $4,300 (2025 limit) to $10,800 for individuals and from $8,550 (2025 limit) to $29,500 for families.

Expanding HSA-eligible healthcare 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.

Cosponsors of the bill include Reps. Eric Burlison (MO-7), Eli Crane (AZ-02), Harriet Hageman (WY-AL), Andy Ogles (TN-05), Andy Harris (MD-01), Barry Moore (AL-01), Randy Weber (TX-14), Paul Gosar (AZ-09), and Tom Tiffany (WI-07).

This bill is supported by DPC Action, Texas Public Policy Foundation, Heritage Action, Citizens' Council for Health Freedom, Americans for Prosperity, the Association of Mature American Citizens, National Taxpayers Union, and the Independent Medical Alliance.

Supporting Statement

"True healthcare freedom begins when individuals are entrusted to make decisions for their own well-being, without the burden of bureaucratic interference. The Personalized Care Act of 2025 is not just a reform—it's a step toward restoring dignity and choice in the way Americans access and pay for care."

- Independent Medical Alliance

The text of the bill is available here.

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