The framework calls on Congress to lower prescription costs, redirect insurance subsidies, and force new transparency across the U.S. healthcare system
Washington, D.C. — President Donald Trump has outlined what his administration calls the “Great Healthcare Plan,” a policy framework that urges Congress to enact sweeping changes aimed at lowering prescription drug prices, reducing insurance premiums, and increasing transparency across the U.S. healthcare system. While not a fully drafted bill, the proposal signals the administration’s priorities as healthcare costs continue to strain American households, including millions of Latino families disproportionately affected by rising medical expenses.
According to White House officials, the plan is designed to reshape how federal healthcare dollars flow through the system, placing greater emphasis on direct consumer control while tightening oversight of pharmaceutical companies, insurers, and healthcare providers.
Lower Drug Prices Through Global Benchmarking
At the core of the proposal is a renewed push to lower prescription drug costs by codifying the “Most-Favored-Nation” pricing model first introduced during Trump’s initial term. Under this approach, U.S. prices for certain medications would be capped at levels comparable to those paid by other developed countries, where governments negotiate directly with drug manufacturers.
Administration officials argue that this strategy could provide meaningful relief for seniors, people with chronic illnesses, and low-income patients who rely on long-term medications. Public health researchers have repeatedly noted that Latino communities experience higher rates of conditions such as diabetes and hypertension, making drug affordability a critical equity issue.
The framework also calls for expanding access to verified, safe medications through over-the-counter availability, a move intended to increase competition and reduce costs by limiting reliance on prescription-only pricing structures.
Rethinking Insurance Subsidies and Premium Costs
Another significant element of the plan involves changing how federal subsidies under the Affordable Care Act (ACA) are distributed. Rather than sending premium subsidies directly to insurance companies, the proposal suggests routing those funds to consumers, potentially through Health Savings Accounts (HSAs). The administration argues that this shift would give individuals more control over their healthcare spending and reduce insurer-driven cost inflation.
The framework also supports fully funding the ACA’s cost-sharing reduction program, which lowers out-of-pocket costs for lower-income enrollees. White House estimates suggest that stabilizing this funding could reduce premiums for popular ACA plans by more than 10 percent, a potential benefit for working families who rely on the individual insurance market.
Transparency as a Tool for Accountability
The plan places heavy emphasis on price transparency, requiring insurers and healthcare providers that participate in Medicare or Medicaid to publicly disclose prices, fees, and profit margins. Supporters argue that clearer pricing would allow patients to compare costs more effectively and pressure providers to compete on value rather than opacity.
Insurers would also face new reporting requirements related to claim denials, wait times, and coverage limitations, presented in simplified language intended to make policies easier to understand.
A Framework, Not a Finished Law
Importantly, the “Great Healthcare Plan” is not self-executing. Its implementation depends on congressional approval, and significant details remain unresolved. The framework avoids major structural changes to Medicare, Medicaid, and employer-based insurance, which together cover the majority of Americans.
Policy analysts note that the plan reflects continuity with Trump-era healthcare priorities rather than a full overhaul. Whether Congress will act on these proposals — and how they would affect diverse communities nationwide — remains an open question as healthcare affordability continues to dominate public concern.
