Health insurance 11% cheaper: House of Representatives passes bill without Obamacare subsidies

• The House passed a law promising a cheaper health insurance bill in the United States.
• The measure seeks lower premiums and greater transparency but does not renew Obamacare subsidies.
• The bill now faces uncertainty in the Senate, where its future remains unclear.

The U.S. House of Representatives approved new legislation focused on changing how the health care system operates in the United States.

The bill promises to reduce premiums, expand coverage options, and improve transparency in health care costs.

However, the initiative has also sparked debate because it does not include an extension of the Obamacare subsidies that were expanded during the pandemic and are set to expire at the end of this year.

Cheaper health insurance: what does the new Republican bill propose?

The approved legislation, known as the Lower Health Care Premiums for All Americans Act, was promoted by the Republican majority in the House.

According to a statement from House Speaker Mike Johnson, the main goal is to reduce health care premiums, expand access, and provide greater clarity on how costs are determined within the system.

The Lower Health Care Premiums for All Americans Act puts patients first. It does exactly what its title promises and more: lowers premium costs for all Americans, expands access to affordable, quality care, gives every American more options and flexibility to choose coverage… https://t.co/P12iKATlMs

— Speaker Mike Johnson (@SpeakerJohnson) December 17, 2025

According to the bill’s text, the measure would reduce premiums by more than 11% for Americans.

In addition, the proposal is expected to generate approximately $30 billion in savings for taxpayers. The Congressional Budget Office (CBO) estimated that, if enacted, the bill would reduce the federal deficit by $35.6 billion over a 10-year period.

Structural changes and new coverage options

The bill includes provisions to increase transparency among pharmacy benefit managers, requiring them to share detailed information on costs, rebates, and pricing decisions.

It also expands access to association health plans, allowing employers—including self-employed workers—to band together to purchase health coverage.

Another key provision involves access to stop-loss insurance for small and medium-sized businesses.

In addition, the bill strengthens CHOICE arrangements, which allow employers to offer defined contributions so employees can purchase their own coverage and pay premiums with pre-tax dollars.

Obamacare without subsidies: the most controversial point

One of the most debated aspects of the bill is that it does not address extending the Obamacare subsidies that were increased during the pandemic and are set to expire at the end of this year.

📌 Republicans “kill” in the House the last chance to avoid higher health insurance costs starting in January. https://t.co/9c94IAsmho

— Noticias Telemundo (@TelemundoNews) December 16, 2025

Most House Republicans oppose extending these subsidies without major reforms to the system.

From the conservative perspective, these subsidies represent excessive spending within a model that has failed to control the true cost of health care. Supporters argue that the new law aims to redirect resources toward structural changes rather than maintaining temporary assistance.

Impact on the Latino community

For many Latino families in the United States, the possibility of accessing cheaper health insurance represents significant relief, especially for those managing tight household budgets.

An average 11% reduction in premiums could translate into meaningful monthly savings.

However, uncertainty surrounding the future of Obamacare subsidies is a major concern. Many Latino households have relied on this assistance to maintain coverage.

Without an extension, some families could face higher costs or difficulty remaining insured in the coming years.

What supporters of the bill say

“Obamacare has been an absolute disaster for 15 years, crushing families with high premiums and rampant fraud,” said Texas Republican Congressman August Pfluger, calling the bill a “strong first step” toward lowering costs, according to Fox News.

What comes next

For now, it is unclear whether the Senate will take up the bill or when it might be debated.

The future of this proposal depends on whether it advances in the upper chamber.

It will also hinge on how lawmakers resolve the debate over subsidies and access to affordable health coverage.