Creates a federal reinsurance program to lower health insurance premiums by paying part of high-cost claims from 2026–2030. It directs HHS to quickly set up rules and initial 2026 parameters and makes technical changes to how insurers set premiums. Gives people new protections starting in 2026: you can ask your plan to count some out‑of‑network bills toward your deductible and out‑of‑pocket limit when the charge meets defined benchmarks, and providers must tell you if your cost sharing would exceed the cash price. Patients harmed by a provider’s failure to disclose can seek an injunction in federal court and state‑law damages.