H.R. 1157 — ACCESS Act

This section establishes the short title of the Act as the “Affordable Care and Comprehensive Economic Support through Savings Act” or the “ACCESS Act.”

This section revises the definition of a qualified health plan under the Patient Protection and Affordable Care Act by adding new requirements for silver-level high deductible health plans in the individual market. Specifically, a silver plan that is not a high deductible health plan may not be treated as a qualified health plan unless the issuer also offers an actuarially equivalent high deductible health plan to any eligible insured, and a high deductible health plan may not be treated as a qualified health plan unless the issuer makes health savings account contributions when an eligible insured elects that option. The section also requires that the actuarial value of a high deductible health plan take into account issuer contributions to the enrollee’s health savings account, and it defines “high deductible health plan” by reference to section 223 of the Internal Revenue Code of 1986.