Self-identified as one of his signature achievements, President Trump’s “One Big Beautiful Bill Act” was signed July 4, 2025. Since this time, H.R. 1 has generated widespread criticism from the news media.  The Atlantic described it as “A Big, Bad, Very Ugly Bill,” while ABC News reported that “two-thirds of the public view the ‘One Big Beautiful Bill’ legislation unfavorably.” While some of this criticism may be legitimate, the bill also offers opportunities for Americans with disabilities despite concerning cuts to social programs.

The legislation reduces SNAP funding by $186 billion through 2034 and implements stricter work requirements and eligibility verification for Medicaid, both of which could potentially affect millions of disabled Americans. However, the bill notably leaves Medicare largely unchanged, preserving this critical healthcare program for seniors and people with disabilities.

The legislation’s most transformative provision dramatically expands ABLE (Achieving a Better Life Experience) savings accounts, allowing people whose disability was diagnosed before age 46 to qualify, up from age 26. This change will enable an estimated 15 million Americans with disabilities to access tax-advantaged savings accounts without jeopardizing government benefits like Medicaid and Social Security.

The bill makes permanent several tax advantages, including 529-to-ABLE rollovers and expanded saver’s credits. As reported by CNBC, Charlie Massimo, a financial advisor and father of two sons with autism, says, “This is a game changer. For the first time, millions of Americans with disabilities will have access to the same kind of tax-advantaged wealth-building accounts most families already have.” Geneva Dickerson, who cares for her disabled brother, sees the potential: “With an account like the ABLE account, he can use those funds to pay for more speech therapy or physical therapy if insurance doesn’t cover it.”

While controversial aspects of the bill deserve scrutiny, the ABLE expansion represents the most significant advancement in disability financial inclusion in over a decade, offering unprecedented opportunities for financial security and independence.

H.R.1 – One Big Beautiful Bill Act: https://www.congress.gov/bill/119th-congress/house-bill/1

ABLE: https://www.ablenrc.org/