H.R. 7: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025
Sponsor
Christopher Smith
Republican · NJ-4
Bill Progress
Latest Action · Jan 22, 2025
Referred to Energy and Commerce, and in addition to the Committees on the Judiciary, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. for review
H.R. 7 puts ACA abortion coverage on your tab
Why it matters
110 lawmakers are backing a bill that would make ACA subsidies unavailable for health plans that include abortion coverage after 2025. If you want that coverage, you could still buy it — but not with premium tax credits, cost-sharing help, or certain small-business tax breaks.
H.R. 7 uses tax rules, not a blanket insurance ban, to squeeze abortion coverage out of subsidized health plans. Under the bill, ACA premium tax credits and cost-sharing reductions would no longer go to plans that include abortion coverage, with limited exceptions written into federal law.
That means the practical choice for many consumers becomes financial: keep the subsidy or keep that coverage in the same plan. The bill also applies a similar rule to the small-business health insurance tax credit, so some employers would lose that tax break if they offer plans that include abortion coverage.
The bill says people could still buy separate abortion coverage, and insurers could still sell it. But the federal tax benefits could not be used toward those premiums or employer contributions.
H.R. 7 also adds a faster, more visible disclosure rule. Within 30 days of enactment for new materials, insurers and exchanges would have to clearly show whether a plan covers abortion and separately display any abortion-related surcharge when a premium is shown.
H.R. 7 Bill Summary
What H.R. 7 actually does.
ACA subsidies stop flowing to plans with abortion coverage
After 2025, the bill would bar premium tax credits and cost-sharing reductions for health plans that include abortion coverage, except for the categories the bill leaves exempt under existing federal law.
Small businesses lose a tax break if their plan includes abortion coverage
Employers using the small-business health insurance tax credit could not claim that credit for plans that include abortion coverage, again with the bill's stated exceptions.
Separate abortion coverage could still be sold
The bill says individuals and employers could still buy separate abortion coverage, and insurers could still offer it, as long as federal tax credits are not used for those premiums or contributions.
Multi-state exchange plans would face the same federal funding rule
The bill requires multi-state plans offered on exchanges to exclude coverage that the bill says cannot be supported with federal funds.
Insurers would have to spell out abortion coverage clearly
Plans would have to disclose the extent of abortion coverage at enrollment and show that information prominently in marketing materials, comparison tools, benefits summaries, and online exchange information.
Any abortion-related surcharge must be shown separately
If a plan includes abortion coverage and displays a premium, the bill requires the abortion-related surcharge to be identified separately in that pricing information.
Who benefits from H.R. 7?
People who oppose federal support for abortion coverage
They would see H.R. 7 carry that position into ACA subsidies and a small-business tax credit, cutting off federal financial help for plans that include abortion coverage.
Shoppers who want clearer plan labels
If you've ever struggled to tell what a plan actually covers, the bill would require insurers and exchanges to make abortion coverage disclosures more visible during enrollment and in marketing materials.
Insurers that already avoid abortion coverage
Their plans would remain eligible for ACA subsidies under the bill, which could make them easier to sell to subsidy-eligible customers.
Who is affected by H.R. 7?
People using ACA premium tax credits
If you rely on exchange subsidies, H.R. 7 could force a harder tradeoff: choose a plan without abortion coverage or pay the full unsubsidized cost for one that includes it.
Small employers using the health insurance tax credit
Businesses that claim the small-business coverage credit could lose that tax benefit if they pick plans that include abortion coverage.
Health insurers and exchanges
They would have to update plan eligibility, enrollment materials, comparison tools, advertising, and premium displays to comply with the new coverage and surcharge disclosure rules.
People who want abortion coverage in one integrated plan
The bill would not ban that coverage outright, but it could make it more expensive by separating it from the federal tax help many consumers use to afford coverage.
HR7 Legislative Journey
House: Committee Action
Jan 22, 2025
Referred to the Committee on Energy and Commerce, and in addition to the Committees on the Judiciary, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
About the Sponsor
Christopher Smith
Republican, New Jersey's 4th congressional district · 45 years in Congress
Committees: Foreign Affairs
View full profile →
Cosponsors (110)
All 110 cosponsors are Republicans. Cosponsors represent 35 states: Alabama, Arkansas, Arizona, and 32 more.
Diana Harshbarger
Republican · TN
Virginia Foxx
Republican · NC
Ashley Hinson
Republican · IA
Robert Aderholt
Republican · AL
Troy Balderson
Republican · OH
Aaron Bean
Republican · FL
Jack Bergman
Republican · MI
Gus Bilirakis
Republican · FL
Mike Bost
Republican · IL
Josh Brecheen
Republican · OK
John Carter
Republican · TX
Juan Ciscomani
Republican · AZ
Cosponsor Coverage Map
Committee Sponsors
Ways and Means Committee
14 of 45 committee members cosponsored
Judiciary Committee
11 of 44 committee members cosponsored
Energy and Commerce Committee
20 of 54 committee members cosponsored
35 Republicans across these committees haven't cosponsored yet. Mobilize their constituents
What laws does H.R. 7 change?
3 changes
Sections Amended
Section 36B(c) of such Code
adding at the end the following new subparagraph: ``(C) Separate abortion coverage or plan allowed
Section 1334(a) of Public Law 111-148 (42 U.S.C. 18054(a))
read as follows: ``(6) Coverage consistent with federal abortion policy
Section 1303(b) of Public Law 111-148 (42 U.S.C. 18023(b))
read as follows: ``(3) Rules relating to notice
H.R. 7 Quick Facts
- Committee
- Ways and Means
- Chamber
- House
- Policy
- Health
- Introduced
- Jan 22, 2025
Referred to Energy and Commerce, and in addition to the Committees on the Judiciary, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. for review
Jan 22, 2025
Official Sources
Official bill page with status, text, cosponsors, and actions for H.R. 7.
Explains the ACA premium tax credit that H.R. 7 would make unavailable for plans that include abortion coverage.
Defines the cost-sharing reductions that H.R. 7 would also bar for affected health plans.
Official IRS guidance on the small-business health insurance tax credit that the bill would restrict for plans covering abortion.
Provides official background on plan benefit summaries, which H.R. 7 would require to prominently disclose abortion coverage information.
Official exchange-related consumer information relevant to the bill's requirement that abortion coverage be disclosed at enrollment.
Current U.S. Code page for ACA section 1303, which H.R. 7 would amend on abortion coverage and notice requirements.
Current U.S. Code page for ACA multi-State plan provisions that H.R. 7 would amend to apply federal abortion funding policy.
Official U.S. Code page for the premium tax credit section of the Internal Revenue Code that H.R. 7 directly amends.
Official U.S. Code page for the small employer health insurance expense credit that H.R. 7 would change.
H.R. 7 Common Questions
What would H.R. 7 do to ACA health plans?
H.R. 7 would make ACA premium tax credits and cost-sharing help unavailable for plans that include abortion coverage after 2025. The bill also requires clearer coverage disclosures.
Would H.R. 7 ban abortion coverage in all health plans?
No. You could still buy a plan that includes abortion coverage, and insurers could still sell one. The key change is that federal subsidies could not be used for that coverage.
Could you still use ACA subsidies for a plan that covers abortion?
No, not under H.R. 7 after 2025. If your plan includes abortion coverage, the bill says it would not qualify for ACA premium tax credits or cost-sharing reductions.
Would H.R. 7 affect small businesses offering health insurance?
Yes. A small employer could lose the federal small-business health insurance tax credit if it offers a plan that includes abortion coverage.
Would insurers have to tell you if a plan covers abortion?
Yes. H.R. 7 would require plans to disclose the extent of abortion coverage at enrollment and display it prominently in marketing materials, comparison tools, and benefits summaries.
What is the separate abortion surcharge in H.R. 7?
If a plan includes abortion coverage and shows a premium, H.R. 7 says the abortion-related surcharge must be listed separately so shoppers can see it clearly.
When would H.R. 7 take effect?
The disclosure rules would apply to new materials more than 30 days after enactment. The subsidy and tax-credit changes would apply after 2025 for plan years that begin after that date.
What is the status of H.R. 7?
H.R. 7 was introduced in the House on January 22, 2025 by Rep. Christopher Smith of New Jersey and has 110 cosponsors. It was referred to House committees and has not passed yet.
Based on H.R. 7 bill text
H.R. 7 Bill Text
“To prohibit taxpayer funded abortions.”
Source: U.S. Government Publishing Office
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