President Donald Trump and Senate Republicans are mounting a direct challenge to Obamacare, placing Democrats on the defensive as Senator Rick Scott advances legislation designed to put health care dollars directly into the hands of Americans instead of large insurance companies.

At the center of the effort is Sen. Rick Scott’s bill, the More Affordable Care Act, introduced on November 20, 2025. The proposal replaces Affordable Care Act premium subsidies with Trump Health Freedom Accounts, tax-advantaged savings accounts that allow individuals to control how their health care money is spent. Rather than funneling federal funds through insurers, the bill directs those resources to patients, empowering them to choose coverage and care that best meet their needs.

“Our bill — instead of giving the money to insurance companies — gives it to the person,” Scott said, arguing that patient-centered control is the key to lowering health care costs. He sharply criticized Obamacare, saying it was sold on broken promises. “They said you can keep your doctor. Lie. Keep your plan. Lie. Save $2,500 per family. Complete lie. Premiums are up. Copayments are up. Deductibles are up.”

Supporters of the legislation argue that Obamacare entrenched insurer dominance while driving up costs for families. By contrast, the Scott-Trump approach emphasizes market competition, cross-state insurance sales, and price transparency, with the goal of forcing costs down through consumer choice rather than government mandates.

The bill reflects President Trump’s broader health care strategy, which focuses on affordability, individual freedom, and reducing bureaucratic control. Republicans say the proposal exposes a core weakness in the Democratic defense of Obamacare, forcing them to justify a system that has delivered higher premiums and out-of-pocket expenses for millions of Americans.

As the legislation gains attention, GOP leaders are urging swift passage, framing the debate as a clear choice between protecting insurance company profits or returning power and money to the people who actually use the health care system.