1. Short title; findings (a) Short title This Act may be cited as the Increasing Health Coverage through HRAs Act . (b) Findings Congress finds the following: (1) Permitting health reimbursement arrangements to be used for the purchase of private insurance will allow more small businesses to offer access to quality health insurance coverage to their employees. (2) Permitting health reimbursement arrangements to be used for the purchase of private insurance will increase the number of Americans with health insurance coverage by as many as 800,000. (3) Permitting health reimbursement arrangements to be used for the purchase of private insurance will significantly increase the number of Americans obtaining coverage in the individual market, leading to more choice, stability, innovation, and lower premiums. (4) The administration rule permitting health reimbursement arrangements to be used for the purchase of private insurance ensures that those with pre-existing conditions will not pay more for coverage by requiring workers within each class of employment to be offered the same coverage regardless of health status. 2. Health Reimbursement Arrangements and Other Account-Based Group Health Plans The final rule (84 FR 28888) published on June 20, 2019, by the Secretary of the Treasury, the Secretary of Labor, and the Secretary of Health and Human Services (relating to health reimbursement arrangements and other account-based group health plans) shall have the full force and effect of law.