Executive Order 14286 Act of 2025

House Bill

H.R. 3799

119th Congress

Executive Order 14286 Act of 2025

In Committee

Introduced:Jun 6, 2025

Primary Sponsor

Dina Titus

Representative

Democratic

NV-1

Cosponsors

1

Quick Stats

Policy Area

Taxation

Summary

This bill would allow employers to offer a type of health insurance reimbursement plan called an individual coverage health reimbursement arrangement (ICHRA). Under an ICHRA, employers provide employees with money to pay for their own individual health insurance plans instead of offering a group health plan. The employees can use this money to buy health insurance that meets certain requirements.

Latest Action

Motion to reconsider laid on the table Agreed to without objection.

SponsorDina Titus (D-NV)

Introduced6/6/2025

StatusReferred to the Subcommittee on Highways and Transit.

ChamberHouse

Data from Congress.gov

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Vote Prediction

Executive Order 14286 Act of 2025

This bill would allow employers to offer a type of health insurance reimbursement plan called an individual coverage health reimbursement arrangement (ICHRA). Under an ICHRA, employers provide employees with money to pay for their own individual health insuran

Community Breakdown

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This bill would allow employers to offer a type of health insurance reimbursement plan called an individual coverage health reimbursement arrangement (ICHRA). Under an ICHRA, employers provide employees with money to pay for their own individual health insurance plans instead of offering a group health plan. The employees can use this money to buy health insurance that meets certain requirements.

Bill Number: 3799
Sponsor: Dina Titus (D-NV)
Introduced: 6/6/2025
Status: Referred to the Subcommittee on Highways and Transit.
Policy Area: Taxation

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Executive Order 14286 Act of 2025
Bill Number: 3799
Sponsor: Dina Titus (D-NV)
Status: Referred to the Subcommittee on Highways and Transit.
Introduced: 6/6/2025
Summary: This bill would allow employers to offer a type of health insurance reimbursement plan called an individual coverage health reimbursement arrangement (ICHRA). Under an ICHRA, employers provide employees with money to pay for their own individual health insurance plans instead of offering a group hea

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill would allow employers to offer a type of health insurance reimbursement plan called an individual coverage health reimbursement arrangement (ICHRA). Under an ICHRA, employers provide employees with money to pay for their own individual health insurance plans instead of offering a group health plan. The employees can use this money to buy health insurance that meets certain requirements.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Custom Health Option and Individual Care Expense Arrangement Act or the CHOICE Arrangement Act This bill provides statutory authority for regulations that allow employers to offer individual coverage health reimbursement arrangements (ICHRAs). Under ICHRAs, employers agree to reimburse employees for incurred medical expenses up to a limit for a specified period (e.g., a calendar year), and employees obtain their own individual coverage that meets certain requirements of the Patient Protection and Affordable Care Act (coverage of preventive services and no annual or lifetime limits). Payments or reimbursements under an ICHRA are tax-exempt and may only be made for medical care provided when the employee was covered by a plan that meets the requirements. Employees may also pair ICHRAs with Medicare coverage. In 2019, the Department of the Treasury, the Department of Labor, and the Department of Health and Human Services issued regulations that allow employers to offer employees ICHRAs if certain conditions are met: (1) the employer offers ICHRAs to all employees in the same class (e.g., all full-time employees) without the choice of an employer-sponsored group health plan, and (2) the employer offers the ICHRA to all employees within the class on the same terms (i.e., the amount of available funds and the terms and conditions of the benefits). The regulations also specify certain notice and verification requirements with respect to ICHRAs. The bill provides statutory authority for these regulations and generally refers to ICHRAs as custom health option and individual care expense arrangements.

Key Points

Main provisions of the bill

Employers can offer ICHRAs to all employees in the same class (e.g. all full-time employees) without giving them the choice of an employer-sponsored group health plan.
The amount of money and terms of the ICHRA must be the same for all employees in the same class.
Payments or reimbursements under an ICHRA are tax-exempt, and employees can use the money to buy health insurance plans that cover preventive services and have no annual or lifetime limits.

How This Impacts Americans

Potential effects on citizens and communities

If this bill becomes law, it would allow more employers to offer ICHRAs as an alternative to traditional group health insurance plans. This could give employees more flexibility in choosing their own health insurance, but could also shift more of the costs and responsibility for health coverage to individual workers.

Policy Areas

Primary Policy Area

Taxation

Related Subjects

Employee benefits and pensions

Health care costs and insurance

Health care coverage and access

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

3799, 119th Congress (2025). "Executive Order 14286 Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-3799

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