Two Democratic state representatives have proposed a sweeping new bill that would guarantee health insurance for every Pennsylvanian, regardless of income or employment. The plan includes a four-year rollout and would eliminate premiums, copays, and deductibles under a single-payer model.
State Representatives Greg Scott and Lindsay Powell have introduced a proposal that would radically reshape health care access across Pennsylvania. The bill, which they intend to present during the current legislative session, aims to establish comprehensive coverage for all residents, including medical, dental, vision, and prescription services.
This legislative push comes as enhanced federal subsidies under the Affordable Care Act expired at the start of 2026, renewing concerns over rising insurance premiums and out-of-pocket costs. According to Representative Scott’s office, many Pennsylvanians have already dropped their coverage, finding it financially untenable.
A Plan to Eliminate Cost Barriers and Expand Access
The proposed bill seeks to eliminate financial obstacles to care by removing all premiums, copayments, and deductibles. According to a press release from Representative Scott, the goal is to provide “real financial security” without compromising quality of care. The plan would also allow residents to choose their own providers while ensuring fair reimbursement for medical professionals.
Representative Powell explained to Newsweek that the legislation is designed to prevent families from having to choose between health care and other basic necessities. “No one should ever be forced to choose between caring for their health and keeping the lights on at home,” she stated. “Health care is a fundamental right, not a luxury.”
While the full text of the bill and its funding structure have not yet been released, the proposal echoes key elements of federal “Medicare for All” campaigns. According to campaigners like National Nurses United, similar models could reduce administrative costs while expanding access to preventive and essential care.
The representatives say the program would unfold over a four-year transition period. They aim to ensure that no resident faces “unnecessary health and financial risk,” which, they argue, stems from lack of coverage or unaffordable private insurance plans.
Political Resistance and Questions over Feasibility
The proposal faces significant political hurdles, particularly in the Pennsylvania Senate, where Republicans hold a 27-23 majority. Republican House Leader Jesse Topper sharply criticized the measure, calling it an “unrealistic” attempt that would lead to expanded government and unaffordable tax burdens. According to his statement to Newsweek, the bill reflects “extreme programs” that could harm taxpayers more than help them.
Topper acknowledged concerns over rising health care costs but insisted there are “better ways” to address affordability without universal mandates. As the proposal moves forward, its prospects may hinge on bipartisan willingness to respond to the ongoing affordability crisis.
Supporters argue that federal inaction has made reform at the state level more urgent. Representative Scott stated that “moves at the federal level have now made it impossible for many to take advantage of ACA plans.” He added that insuring residents is also key to stabilizing the health care system, pointing out that people are more likely to seek preventive care when they have coverage.
According to Powell, some Republicans have shown openness to extending ACA subsidies at the federal level, and she remains “hopeful” that similar cooperation could be possible within the state legislature.
As the formal introduction of the bill approaches, its sponsors say their focus remains on protecting residents from being priced out of essential medical services. The outcome will likely depend on how the debate unfolds in the months ahead, both within the legislature and among the public.
