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Extends the enhanced ACA premium tax credits through 2028, lengthens the 2026 Marketplace open enrollment window to May 1, 2026, restores federal navigator grant funding for Federally-facilitated Exchanges in FY2026, and repeals a rule that could deny premium tax credits for coverage obtained in certain special enrollment periods. It also requires insurers to notify enrollees about the changes, adds civil penalties for noncompliance, simplifies reenrollment and auto-reenrollment rules, creates new special enrollment opportunities for low-income people and those awaiting IRS verification, limits retroactive premium repayment amounts for many taxpayers, and directs regulatory changes to stabilize plan design and premium adjustments.
The bill increases access, continuity, and affordability of Marketplace coverage for low- and moderate-income Americans (longer/enhanced subsidies, expanded enrollment windows, and eased reenrollment rules) but raises federal costs and creates new administrative and insurer compliance burdens that could translate into higher premiums, operational strain, or fiscal exposure.
Low- and moderate-income households keep enhanced premium tax credits (through 2028), lowering monthly Marketplace premiums for eligible enrollees.
People with household incomes ≤150% FPL gain a monthly special enrollment period beginning 2026, improving access to subsidized coverage for the poorest households.
Removes certain verification barriers and allows automatic reenrollment (including from bronze to silver), restoring or expediting access to richer Marketplace coverage for people denied APTCs pending IRS verification.
Extending enhanced premium tax credits and other subsidy changes increases federal spending and fiscal exposure, potentially raising deficits or requiring budget offsets paid by taxpayers.
New civil penalties on issuers (up to $1,000 per affected enrollee per day) create large insurer financial risk that could be passed to consumers through higher premiums or reduce plan offerings.
Removing applicant verification for reenrollment and delaying termination of APTC eligibility increases the risk of improper advance payments and adds IRS/admin workload to detect and recoup overpayments.
Introduced December 4, 2025 by Lisa Blunt Rochester · Last progress December 4, 2025