H.R. 7: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025

H.R. 7 comes in two parts. The first adds a new chapter to federal law setting a standing prohibition on federal funds going toward abortion, with exceptions the bill defines in that same chapter. Because it would sit in permanent law rather than in a yearly spending bill, it would no longer need to be renewed each budget cycle.

The second part applies that policy to the health insurance marketplace. For plan years beginning after December 31, 2025, a health plan that includes abortion coverage would no longer count as a qualified plan for the ACA premium tax credit or for cost-sharing reductions. The same exclusion applies to the small-employer health insurance credit, so a small business offering a plan with abortion coverage could not claim it.

The bill does not prohibit the coverage itself. It says in plain terms that a person may buy separate abortion coverage, and that a non-federal insurer may sell it — the condition is that no federal credit or advance payment can go toward those premiums. In practice, the choice for a subsidized marketplace shopper becomes the subsidy or that coverage inside the same plan, not one or the other in the abstract.

H.R. 7 also rewrites the ACA's notice rules. A plan would have to disclose the extent of its abortion coverage when you enroll, and display it prominently in marketing materials, comparison tools, benefit summaries, and exchange web portals. Where a premium is shown for a plan that includes the coverage, any abortion-related surcharge has to be broken out and identified separately. Those disclosure rules apply to materials issued more than 30 days after enactment.

Multi-state plans sold on the exchanges get a parallel rule: the federal official who contracts for them would have to ensure none of them cover services the new chapter bars federal spending on.