Sponsors
Introduced June 12, 2025 by Ami Bera · Last progress June 12, 2025
The bill trades substantially increased, faster enrollment and lower costs for many uninsured and low‑income Americans through tax‑data driven verification and automatic enrollment against heightened privacy/data‑sharing risks, implementation burdens, and open‑ended fiscal exposure.
Uninsured and low-income households: expanded use of tax-return data and automatic/default enrollment will increase timely enrollment into zero-net-premium or subsidized Marketplace plans, raising coverage take-up.
Taxpayers, applicants, and state programs: streamlined verification using IRS/NDNH/SSA data and coordinated enrollment processes will reduce paperwork and speed eligibility determinations.
Eligible consumers, especially low-income families: clearer definitions of premium tax credits, CSRs, and zero-net-premium offers plus automatic enrollment reduce out-of-pocket costs and financial barriers to coverage.
All taxpayers and applicants: substantially expanded sharing of tax, wage, and federal/state data increases privacy and data-security risks from broader access and transfers across agencies and third parties.
Taxpayers and federal/state budgets: broader automatic enrollment, higher subsidy take-up, and open-ended appropriations create meaningful fiscal exposure and could raise federal and state costs.
State agencies, Exchanges, and the IRS: implementing new data exchanges, verification rules, and automatic-enrollment processes will require significant IT, staffing, and administrative investment and operational burdens.
Based on analysis of 11 sections of legislative text.
Allows taxpayers to consent to share tax-return data with exchanges to screen and auto-enroll uninsured household members into zero-net-premium coverage and expands data-sharing and verification across Medicaid/CHIP.
Creates a program that lets taxpayers opt in to share tax-return information with health insurance exchanges so uninsured household members can be screened and, where eligible, automatically enrolled in zero-net-premium minimum essential coverage. It requires exchanges and Medicaid/CHIP programs to use return data, other reliable sources (including the National Directory of New Hires), and simplified procedures to minimize paperwork while preserving notice and appeal rights. Provides funding authority to build information-sharing systems, directs HHS to study and report on outcomes by July 1, 2030, updates verification rules across Medicaid/CHIP and the ACA to allow reliable data matches (and limited waivers of applicant attestation), and creates an advisory committee to guide implementation. Key deadlines include an IRS program start by January 1, 2028 for returns for tax years beginning after December 31, 2026, and some Medicaid timing changes effective January 1, 2027.