Trump Administration Boosts High-Deductible Healthcare Plans

The Trump Administration Boosts High-Deductible Healthcare Plans by expanding federal rules under the Affordable Care Act that raise patient cost exposure while lowering monthly premiums. CMS Administrator Mehmet Oz is promoting “catastrophic” coverage that relies on very high deductibles, with protections kicking in after patients pay large initial amounts. Effective in 2027, CMS increases ACA out-of-pocket limits by 30%, allowing up to $15,600 for individuals and $31,200 per family before insurance benefits apply for certain plans. The agency also broadens catastrophic-plan eligibility to people of all ages and income levels, and allows insurers to offer multi-year contracts. Critics call it “junk insurance,” warning seriously ill patients could face massive bills and that network changes from 2028 could leave some plans without dedicated provider networks. Supporters cite flexibility and improved access.