Health Access and Flexibility Act of 2003

Health Access and Flexibility Act of 2003 - Amends the Internal Revenue Code with respect to Archer medical savings accounts to: (1) eliminate such accounts' availability to only self-employed individuals and employees of small employers; (2) repeal the 750,000 limitation on the number of such accounts; (3) reduce the permitted minimum deductibles on qualifying high deductible plans to $1,000 (single coverage), and $2,000 (family coverage); (4) increase the monthly (and thus the annual) deduction limitation permitted for account contributions; (5) permit employer and employee contributions to be made to an account; (6) make cost-of-living adjustments applicable to only high deductible plan maximums; and (7) provide for 60-day rollovers from a health flexible spending arrangement to an account.

Amends title XIX of the Social Security Act (Medicaid) to authorize a State to provide alternative medical benefits for eligible population groups which shall consist of at least: (1) coverage for medical expenses in a year after a catastrophic deductible has been met; and (2) contribution into a medical freedom account (as defined by this Act).