Summary

Creates a program that uses federal income tax return data (with taxpayer consent) to find household members eligible for low-cost or free coverage and to automatically enroll them into zero-net-premium Medicaid, CHIP, or Marketplace plans. It authorizes Treasury and HHS to fund and build the data-exchange and enrollment systems, changes some eligibility and verification rules for Medicaid/CHIP and Exchanges, requires a study and advisory committee, and sets phased effective dates for key provisions.

Key Points

• Uses federal tax return data (with consent) to identify and auto-enroll household members into zero-net-premium Medicaid, CHIP, or Marketplace plans.
• Authorizes Treasury and HHS funding and directs HHS to build information-exchange and enrollment systems and to transfer funds to implementing entities.
• Changes eligibility and verification rules so states and Exchanges can rely on data matches and certain program findings (TANF/SNAP) to determine Medicaid/CHIP eligibility.
• Grants limited access to wage and National Directory of New Hires data for eligibility and third‑party liability checks, under privacy safeguards.
• Creates an advisory committee and requires HHS to study program performance and report recommendations to Congress by July 1, 2030.
• Includes opt-out protections, error-correction procedures, and requirements to minimize extra documentation requests.
• Phases in changes: Medicaid/CHIP rules start Jan 1, 2027; Exchange/tax-related rules run Jan 1, 2028 through Dec 31, 2034.

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