President Donald Trump has unveiled a new health care proposal aimed at lowering costs for Americans. The plan outlines a four-part strategy focused on drug prices, insurance premiums, accountability, and transparency.
A major pillar of the proposal targets prescription drug prices. The administration says it plans to expand earlier efforts to rein in costs by pressuring pharmaceutical companies and Pharmacy Benefit Managers to reduce markups. The plan also explores making more medications available over the counter, a move intended to lower costs and improve access for consumers.
The proposal also aims to reduce insurance premiums by shifting how financial assistance is delivered. Instead of extending Affordable Care Act subsidies, which expired at the end of 2025, the plan would direct money straight to eligible Americans rather than insurance companies. Supporters argue this could increase competition and give consumers more control over how they purchase coverage.
Another key focus is accountability and transparency. Insurance companies would be required to clearly disclose pricing, coverage details, and overhead costs in plain language. The administration says these measures are designed to help consumers better understand their options and compare plans more easily.
The White House has said the plan is not expected to affect protections for people with pre-existing conditions. While many details remain unresolved and legislative approval would be required, the announcement signals a clear policy direction as health care affordability becomes a central issue in 2026.
