Ask Congress to Amend the Patients' Freedom to Choose Act!

HR 605 and S 312 address two key savings programs important to consumers. Flexible Spending Arrangements (FSAs) and Health Savings Accounts (HSAs) allow employees to be reimbursed for medical expenses, and help pay for complementary and alternative medical (CAM) treatments not covered by conventional health insurance.

FSAs are usually funded through voluntary salary reduction agreements with one’s employer. Currently, there is no cap on contributions made to FSAs. The healthcare reform act capped contributions to FSAs at $2500. Both HSAs and FSAs currently allow one to purchase OTC non-prescription drugs, though under the healthcare reform act, FSA and HSA funds can only be used for for a medicine or drug if it is prescribed or is insulin. This new bill repeals those limitations.

The healthcare reform act outlaws insurance companies offering plans with high deductibles. Low-deductible plans are much more expensive, and most of them do not cover any CAM-related treatments. HSAs bridge that gap—but they only make economic sense for most people if we have high-deductible policies that don’t cost us so much money. So we’re asking for an amendment that would allow insurance companies to continue to offer high-deductible policies to individuals who own an HSA.

Also, even prior to healthcare reform, one could not use FSAs or HSA to pay for vitamins and supplements. ANH-USA believes the bill should also contain explicit language to include supplements as part of allowable medical expenses for both FSAs and HSAs, and we’re also asking Congress to offer an amendment to the bill to do that.

(Please personalize your message if you have the time!)

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  • Your Senators
  • Your Representative

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Message

HR 605 and S 312, the Patients' Freedom to Choose Act

Dear [Decision Maker],

Sincerely,
[Your Name]
[Your Address]
[City, State ZIP]