This is the ninth article in a series of articles of “To Strengthen America” with the purpose of educating the general public regarding bills currently being considered by our Nation’s congress. These bills were highlighted in the 2014 Conservative Policy Summit.


HR 3121


The American Health Care Reform Act of 2013 (HR 3121) was introduced by Representative David Roe from Tennessee on Sept 18, 2013 and has 128 co-sponsors and it has been referred to the following eight committees –

  • House Appropriations
  • House Education and the Workforce
  • House Energy and Commerce—
  • Health
  • House Administration
  • House Natural Resources—
  • Indian and Alaska Native Affairs
  • House Rules
  • House Judiciary—
  • Regulatory Reform, Commercial, and Antitrust Law
  • The Constitution and Civil Justice
  • House Ways and Means


The American Health Care Reform Act is not a short bill. It contains 182 pages. Here is my unofficial summary of this bill:

  • Repeals the Affordable Care Act (Obamacare) along with the health care provision of the Health Care and Education and Reconciliation Act of 2010 back to their enactment date and restores or revives that which was amended or repealed by the Affordable Care Act.
  • Allows an individual to deduct a percentage of their income tax for health insurance costs without having to itemize deductions.
  • Does not include as income for tax purposes any employer contribution to accident or health plans.
  • If both spouses are age 55 or older and one spouse in not an account beneficiary then you can have double additional contributions to a Health Savings Account (HSA).
  • Gives special rules for people participating in Medicare Advantage Medical Savings Account (MSA), receiving periodic hospital care or medical services for a service-connected disability, eligible for Indian Health Service assistance, or TRICARE coverage.
  • Gives rules for the interaction of health flexible spending arrangements (FSA) and health reimbursement arrangements with HSA’s.
  • Other than with specific exceptions it prohibits the payment of health insurance premiums from HSA’s.
  • Some medical expenses incurred before the establishment of an HSA may still be approved, the circumstances of their qualifying is outlined.
  • The requirement for the protection of any HSA in a bankruptcy proceeding are prescribed.
  • Authorizes additional health opportunity account demonstration programs by amending the Medicaid and Social Security Act of title XIX.
  • The renaming of high deductible health plans as being HSA qualified with health care sharing ministry memberships considered as coverage.
  • Enables HSA to cover cost of direct primary care service, some exercise equipment and physical fitness programs, some dietary and nutritional supplements, and the right to receive medical services of a primary care physician as needed.
  • Allows the increase of the maximum limit on contributions to an HSA so that out-of-pocket and deductible expenses limitations may be matched.
  • Child health savings accounts are permitted for income tax deductions and the IRC is amended to include funds used from an HSA for an abortion to be included as income.
  • Authorizes an award system for participating in a standards-based wellness program by amending the Employee Retirement (ERISA)and Public Health Service (PHSA) Acts.
  • Gives states up to $5 million in a grant to create and operate a qualified high risk pool limited to only U.S. citizens and nationals by amending the PHSA.
  • When the coverage and issuer is in compliance with this act then the laws of the primary state applies to a secondary state.
  • When an insurance commissioner of a health insurance issuer fails to use a risk-based capital formula then health insurance issuers are prohibited from selling individual health insurance in a secondary state.
  • Protects the operation of anti-trust laws with respect to the business of health and dental insurance by amending the McCarran-Ferguson Act.
  • Requires the Secretary to make available to the public Medicare claims and payment data.
  • Authorizes the creation by the states of a state website standardizing their information regarding what is available for health insurance and the price and quality of individual health care providers.
  • Nothing in this act is permitted to interfere with the practice of medicine or with a patient-doctor relationship.
  • Makes new limits and rules regarding healthcare lawsuits.
  • “Declares that nothing in this Act shall be construed to:

(1) require any health plan to provide coverage of or access to abortion services; or

(2) allow the Secretary, the Secretary of the Treasury, the Secretary of Labor, or any other federal or non-federal person or entity in implementing this Act to require coverage of, or access to, abortion services.”

  • “Prohibits the use of funds authorized or appropriated by this Act to pay for any abortion or to cover any part of the costs of any health plan that includes abortion coverage, except:

(1) if the pregnancy is the result of an act of rape or incest; or

(2) in the case where a pregnant female suffers from a physical disorder, physical injury, or physical illness that would, as certified by a physician, place the female in danger of death unless an abortion is performed, including a life-endangering physical condition caused by or arising from the pregnancy itself.”


Heritage Foundation has provided this simplified summary of the HR3121 bill:


• “Fully repeals President Obama’s health care law.

• Provides tax reform that allows families and individuals to deduct health care costs, just like companies, leveling the playing field and providing all Americans with a standard tax deduction for health insurance.

• Spurs competition by allowing Americans to purchase health insurance across state lines and enabling small businesses to pool together to get the same buying power as large corporations.

• Reforms medical malpractice laws by limiting trial lawyer fees and non-economic damages while maintaining strong protections for patients.

• Expands access to health savings accounts, increasing the amount of pre-tax dollars individuals can deposit into portable savings accounts to be used for health care expenses.

• Safeguards individuals with pre-existing conditions by bolstering state-based high-risk pools and extending HIPAA guaranteed availability protections.

• Protects the unborn by prohibiting funding of abortion or abortion coverage under this bill except in cases of rape, incest, or when the life of the mother is in danger.”


An official government summary of the bill can be found here:


Read the full bill:


Read more about this bill:


Let your Congress know how you feel about this bill:


Check out the previous eight articles of “To Strengthen America” at


To Strengthen America (Part I – HR 1847)

To Strengthen America (Part II – HR 2300)

To Strengthen America (Part III – S. 2015)

To Strengthen America (Part IV – HR 2767 PATH ACT)

To Strengthen America – Part V (S 1808, HR 3133) Marriage and Religious Freedom Act

To Strengthen America – Part VI (HR 4286, S 2170) American Energy Renaissance

To Strengthen America – Part VII (HR 3486, S 1702) Transportation Empowerment Act

To Strengthen America – Part VIII (S. 1904 HERO) Higher Education Reform and Opportunity