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New Options, Same Protections

America’s health insurance market is being strangled by dwindling options, skyrocketing premiums, and an inflexible system.

That’s where the New Health Options Act comes in. If enacted, it will help: 

How? By creating a parallel individual market with an alternative risk pool that prioritizes these groups. Some will purchase plans through Individual Coverage Health Reimbursement Arrangements (ICHRAs) provided by their employers. Others, like independent contractors, will see savings too by switching to a market that more closely fits their risk profile. And nothing will change for Americans who keep their subsidized plans in today’s exchange—not their coverage or protections.

Additionally, the New Health Options Act backs up the parallel market with reinsurance for stability, allows all patients with any plans to shop more for providers outside their network, and requires providers and hospitals to disclose lower cash prices.

Learn more about these reforms and how much you could save below.

Health Care Savings Calculator

Find out how much you could save!

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Current Monthly Premiums:


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New Health Options Monthly Premiums:


Monthly Savings:


  • Health insurance premiums have more than doubled since ObamaCare was first implemented.
  • In 2022, the average premium nationwide jumped to more than $6,000 per person, with an out-of-pocket maximum of as much as $9,100. Where does your state fall?

Americans Deserve New Health Options—And Policymakers Can Deliver

Our New Health Options Act Experts
Mimi Singleton

Federal Affairs Director

Trevor Carlsen

Senior Research Fellow

Hayden Dublois

Data and Analytics Director

Scott Centorino

Deputy Policy Director

Joel Allumbaugh

Visiting Fellow

At FGA, we don’t just talk about changing policy—we make it happen.

By partnering with FGA through a gift, you can create more policy change that returns America to a country where entrepreneurship thrives, personal responsibility is rewarded, and paychecks replace welfare checks.