(Just The News)—The U.S. House has passed legislation barring all noncitizens, except permanent residents from acquiring Small Business Administration loans.
The American Entrepreneurs First Act of 2025, which passed in a 217-190 vote Friday, would require the SBA to verify the citizenship status and age of every applicant, codifying reforms recently implemented by the agency.
If the bill passes the Senate and becomes law, the SBA will permanently exclude illegal immigrants, refugees and asylees, visa holders, DACA recipients or nonimmigrants from obtaining taxpayer-funded SBA loans. It would also disqualify companies partially or completely owned by such individuals.
Co-sponsor of the bill, Rep. Beth Van Dunye, R-Texas, told lawmakers Friday that the legislation is “just common sense.” She added that it does not prohibit lending based on applicants’ nationality — as some Democrats have contended — but rather is based on legal residency or status.
President Donald Trump has made immigration policy, including halting taxpayer-funded subsidies for foreign nations, a key focus in his second term. He issued an order in February directing all federal agencies to cease funding public benefits for foreign nationals residing illegally in the U.S.
Yet House Whip Katherine Clark, D-Mass., told constituents that the bill “is a solution in search of a problem” that will harm American small businesses.
“Applying onerous, unfunded paperwork requirements at SBA and making it harder for U.S. small businesses to access funding – all while President Trump’s tariffs wreak havoc on them – is hypocrisy at its finest and will result in small businesses across the country closing or never getting off the ground to begin with,” Clark said Friday.
The bill’s proposed age verification requirement is a less contentious issue among lawmakers. An investigation by the Department of Government Efficiency found that between 2020 and 2021, SBA doled out thousands of loans worth $333 million to applicants over 115 years old, and thousands more, worth $300 million, to borrowers under 11 years old.
SBA Administrator Kelly Loeffler praised the bill in a post-passage statement as a step toward greater transparency and better stewardship of taxpayer dollars.
“Illegal aliens and fraudsters have no right to taxpayer-backed loans at the SBA,” Loeffler said. “With these common-sense guardrails, the American Entrepreneurs First Act will help put our deserving job creators first.”
Safeguarding Your American Dream: Discover the Power of America First Healthcare
In today’s economy, healthcare costs remain one of the biggest threats to financial stability and family security. Americans work hard to build a better life, yet rising medical expenses can quickly erode savings, force tough trade-offs, and even push families toward debt or bankruptcy. Medical bills continue to rank as the leading cause of personal bankruptcy in the United States, with millions facing underinsurance or unexpected out-of-pocket burdens that no one plans for. Many turn to government-run marketplace plans under the Affordable Care Act, hoping for relief, only to discover that what appears affordable on paper often delivers higher long-term costs, limited real protection, and coverage that may not align with personal values or family needs.
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The allure of marketplace plans is easy to understand: open enrollment periods, premium tax credits for many households, and the promise of “comprehensive” benefits mandated by law. Yet recent data reveals a different reality, especially after the expiration of enhanced premium subsidies at the end of 2025. Enrollment for 2026 dropped by more than one million people compared to the prior year, with many shifting to lower-tier bronze plans to keep monthly premiums manageable.
These plans feature significantly higher deductibles—averaging around $7,500 nationally—and greater cost-sharing requirements. Families who once paid modest amounts after subsidies now face average premium increases of $65 or more per month, even as they accept plans that leave them responsible for thousands in upfront costs before meaningful coverage kicks in.
High deductibles create a dangerous barrier to care. Studies show that people in such plans are less likely to seek timely treatment for chronic conditions, attend preventive screenings, or fill necessary prescriptions. A seemingly minor illness or injury can balloon into major expenses when patients delay care until problems worsen. For a family of four, a single hospitalization, cancer diagnosis, or unexpected surgery can easily exceed the deductible, triggering coinsurance and out-of-pocket maximums that still leave substantial bills. One recent analysis noted that some proposed changes could push family deductibles toward $31,000 in future years, further exposing households to financial risk.
Beyond the numbers, marketplace plans often carry structural limitations. Coverage for certain critical services may include waiting periods or narrower networks that restrict access to preferred doctors and specialists. Preventive care is required to be covered without cost-sharing, but everything else—lab work, imaging, specialist visits, or ongoing treatment—typically waits until the deductible is met. This reactive model contrasts sharply with the proactive, holistic approach many families prefer, especially those focused on wellness, early intervention, and maintaining health to enjoy life rather than merely reacting to illness.
Values alignment represents another growing concern. Government-influenced plans operate within a framework shaped by federal mandates and political priorities that may not reflect conservative principles of limited government, personal freedom, and ethical stewardship. Families who want to direct their healthcare dollars toward providers and benefits that honor traditional values sometimes find marketplace options feel misaligned, forcing a compromise between affordability and conviction.
Private alternatives, by contrast, offer year-round flexibility without the restrictions of open enrollment windows. Independent agents can shop across a wider range of carriers to design plans tailored to specific family needs—whether that means lower deductibles for frequent medical users, broader provider networks, or add-ons that support wellness and preventive services from day one. Clients frequently report more stable premiums that do not automatically escalate each year, along with genuine cost savings once the full picture of deductibles, copays, and coverage depth is considered.
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Practical steps exist for anyone questioning their current coverage. Start with a no-obligation review of your existing policy to identify gaps—high deductibles, limited critical-care benefits, or escalating premiums. Compare total projected costs (premiums plus potential out-of-pocket expenses) rather than monthly premiums alone. Consider family health history, anticipated needs, and lifestyle priorities. Private agencies can present side-by-side options that include stronger wellness incentives, broader access, and plans built on shared values of self-reliance and freedom.
In an era when healthcare inflation continues to outpace general cost-of-living increases, relying solely on marketplace solutions carries growing risk. Families who proactively explore private alternatives frequently achieve meaningful savings while gaining peace of mind that their coverage truly works when needed most.
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Ultimately, protecting your family’s future requires looking beyond the marketing of “affordable” government options. By understanding the long-term costs hidden in high deductibles, shifting coverage tiers, and values mismatches, Americans can make empowered choices. Private, values-driven insurance offers a smarter path—one that rewards diligence, supports wellness, and delivers real security. For those ready to move beyond the limitations of traditional marketplace plans, a simple review can reveal options designed to serve families, not bureaucracies. The American Dream thrives when individuals and families retain control over their healthcare decisions, and thoughtful private coverage plays a vital role in making that possible.
