The White House describes the plan as a “patient-first” model that bypasses big insurance companies and pharmaceutical benefit managers (PBMs) to deliver savings directly to Americans.
1. Prescription Drugs: The “Most-Favored-Nation” Standard
The cornerstone of the drug policy is the codification of Most-Favored-Nation (MFN) pricing.
- Global Price Matching: The plan mandates that Americans pay the same low prices for drugs as people in other developed nations. Trump claimed this could slash prices for some medications by 80% to 90%.+1
- TrumpRx.gov: The administration has already launched TrumpRx.gov, a platform where consumers can find MFN-level discounts and manufacturer coupons to bypass insurance entirely for cash purchases.
- Over-the-Counter Expansion: To reduce “costly and time-consuming doctor’s visits,” the plan reclassifies more pharmaceutical drugs as safe for over-the-counter purchase.
2. Insurance Reform: 10% Premium Reductions
The plan seeks to overhaul how the government handles healthcare subsidies, moving away from the Affordable Care Act’s (ACA) current structure.
- Direct Payments: Instead of sending billions in subsidies to insurance companies, the plan proposes sending that money directly to eligible Americans to buy the insurance of their choice.
- Cost-Sharing Reductions (CSR): By fully funding a CSR program, the White House cites CBO estimates that premiums for the most common ACA plans would drop by over 10%, saving taxpayers roughly $36 billion.
- Ending “Kickbacks”: The plan targets PBMs and “large brokerage middlemen,” alleging they receive deceptive kickbacks that artificially inflate premium costs.
3. Accountability: The “Plain English” Standard
To stop insurers from using “complexity as a shield,” the plan introduces strict reporting requirements:
- Transparency Dashboard: Insurers must publish the percentage of revenue spent on claims vs. profits/overhead, their claim rejection rates, and average wait times for routine care.
- No More Jargon: All rate and coverage comparisons must be written in “Plain English” rather than industry jargon.
4. Universal Price Posting
Building on first-term executive orders, the plan mandates that any provider or insurer accepting Medicare or Medicaid must prominently post their actual prices and fees in their place of business.
Summary of Economic Impact (White House Projections)
| Feature | Impact |
| ACA Plan Premiums | Projected 10–15% reduction via CSR funding. |
| Taxpayer Savings | Estimated $36 billion in federal savings over 10 years. |
| Drug Prices | Target of 300–500% price slashes on key medications via MFN. |
| Medicare/Medicaid | Mandatory up-front pricing at all participating facilities. |