On January 15, 2026, the Trump administration launched the “Great Healthcare Plan,” a legislative framework that lacks implementation details. This plan represents a significant shift toward consumer-directed care, price transparency, and aggressive pharmaceutical price containment.
To view the White House release on the plan, please visit: The Great Healthcare Plan – The White House.
Key Components of the “Great Healthcare Plan” Framework:
The framework is built on four primary pillars designed to lower costs and increase individual control over healthcare spending:
Prescription Drug Reform
Policies aimed at lowering drug prices through enhanced transparency, potential international reference pricing concepts, and pressure on manufacturers and pharmacy benefit managers (PBMs).
Direct to Consumer Subsidies and HSA Expansion
The plan proposes ending direct subsidy payments to insurance companies. Instead, federal funds would be redirected into individual Health Savings Accounts (HSAs).
Holding Health Insurers Accountable
Create a “Plain English Insurance” standard requiring clear, jargon-free public pricing. Importantly, health insurers must disclose their Medical Loss Ratios and Claim Denial Rates.
Mandatory Price Transparency
Any hospital accepting Medicare or Medicaid would be legally required to post all pricing and fees in a “prominent” physical location and online, enabling easier price comparisons for elective and routine procedures. This builds on hospital pricing disclosure efforts begun in prior Trump executive actions.
President Trump stated:
“It’s great healthcare at a lower price, mandates unprecedented accountability and transparency from insurance companies and all healthcare providers so that special interests can no longer profiteer at your expense.”
Next Steps
President Trump has called on the 119th Congress to pass this framework and build on previous legislation like the Empowering Patients First Act, which seeks to increase consumer choice and stimulate greater market competition, themes that are similar to Trump’s Great Healthcare Plan.
The proposal will likely be directed to the House Ways and Means and Senate Finance committees. According to reports, Republicans are expected to attempt to move the fiscal components of the bill through the Budget Reconciliation process in order to bypass a 60-vote filibuster in the Senate.
Legislative Outlook
The plan’s path through Congress remains challenging. Substantial statutory changes will depend on congressional alignment and procedural constraints. As a result, significant change is more likely to occur through executive and regulatory actions, with incremental legislation possible where bipartisan support exists, such as with PBM reform. Wholesale health care reform would require sustained political momentum and different congressional dynamics.