Senator Rick Scott Introduces the “More Affordable Care Act,” Aiming to Restore Competition, Transparency, and Economic Discipline in American Health Care
- Insights
- Nov 25, 2025
- 3 min read
Senator Rick Scott (R-FL) has introduced the More Affordable Care Act, a reform package designed to return control of health care decisions to patients and families rather than insurance companies or federal bureaucracies.
More than a decade after passage, the Affordable Care Act (ACA) continues to fall short of its central promises. Premiums remain high, consumer choice has declined, and the system increasingly directs taxpayer dollars to large hospital systems and insurance carriers. In recent years, the ACA has become dependent on temporary federal subsidies—especially COVID-era subsidies—that masked its structural weaknesses rather than fixing them. The result has been an expensive status quo kept alive artificially, without the market incentives necessary to lower costs or expand access.
Senator Scott’s proposal seeks to end this cycle of short-term patches and move the country toward a more competitive, transparent, and patient-centered framework—one grounded in the same economic principles he advanced as Florida’s Governor.
A Record of Economic Turnaround
Before his election to the U.S. Senate, Rick Scott served two terms as Florida’s Governor, where he engineered one of the nation’s most significant state-level economic recoveries. Taking office in the aftermath of the Great Recession, Scott:
reformed Florida’s budget with discipline and transparency,
implemented a targeted, jobs-first strategy, and
actively diversified the state’s economic base beyond heavy reliance on tourism.
Under his leadership, Florida added more than 1.5 million new jobs, became the nation’s No. 1 state for new business creation, and strengthened its overall fiscal position. His approach emphasized competition, regulatory restraint, and empowering consumers—principles that underpin the More Affordable Care Act.
Key Provisions of the More Affordable Care Act
Senator Scott’s legislation includes several structural reforms:
Creation of Trump Health Freedom Accounts — HSA-style accounts that send federal support directly to families, not insurers.
Hyde compliance protections, ensuring federal dollars are not used to subsidize abortion plans or related services.
Increased plan choice, fostering competition and downward pressure on premiums.
Interstate insurance sales via a new ACA waiver program, expanding consumer options and increasing plan availability on existing exchanges.
Exchange accessibility requirements to ensure all waiver-approved plans appear on healthcare.gov, state exchanges, or state-managed platforms.
Permanent codification of federal price transparency rules, giving patients clear, upfront cost information.
Protections for individuals with pre-existing conditions.
Enhancements to the Small Business Tax Credit, expanding employer-sponsored coverage and access for working families.
From Temporary Subsidies to Long-Term Solutions
For more than a decade, policymakers have debated how to deliver affordable, accessible health care. The ACA’s reliance on temporary subsidies—particularly those enacted during COVID—has kept premiums artificially low while doing little to address underlying cost drivers. This approach mirrors the exact economic pitfalls Governor Scott worked to avoid in Florida: short-term fixes that postpone difficult reforms and prevent true market-based improvements.
A Pathway Toward a More Competitive and Patient-Focused System
The More Affordable Care Act reflects a shift toward long-term solutions grounded in transparency, choice, and economic discipline. By moving away from subsidies that prop up a stagnant system and returning competition to the marketplace, Senator Scott’s plan outlines a pathway to a health care system that is more affordable, more flexible, and more responsive to the needs of American families—just as Florida’s economy became more resilient, diverse, and dynamic under his leadership.
