Sponsors
This is not an official government website.
Copyright © 2026 PLEJ LC. All rights reserved.
Extends the temporary higher premium tax credit rules for the Affordable Care Act through January 1, 2028, changes how the income cap is worded, and adjusts related tax-code language. It also lets people elect to have advance premium tax credit payments go into a newly defined "Personal HSA" (or to the individual or issuer), adds a new minimum premium responsibility rule, authorizes unspecified funding for cost-sharing reductions, and requires federal agencies to assist Exchanges with verifying immigration status for eligibility decisions.
The bill preserves and clarifies Marketplace subsidy rules and funds cost-sharing reductions to keep insurance more affordable for many, but does so at increased federal cost and with added administrative, privacy, and coverage-exclusion risks—particularly for some immigrant and borderline-income households.
Low- and moderate-income households (including many uninsured individuals) will continue receiving enhanced premium tax credits through 2027, lowering monthly premiums and making Marketplace coverage more affordable.
Low-income enrollees who buy Silver Marketplace plans will receive funded cost-sharing reductions (CSRs), reducing copays and deductibles and lowering out-of-pocket costs.
People with household incomes up to 700% of the federal poverty level will have clearer eligibility rules for the premium tax credit, reducing confusion and errors in enrollment and claims.
Taxpayers broadly will face higher federal spending because extending enhanced premium tax credits and funding CSRs increases government outlays, which could add to the deficit absent offsets.
Low-income immigrants and mixed-status families will lose or have reduced premium tax credits for some members, increasing premiums, reducing coverage, and worsening access to care.
Taxpayers, state exchanges, and federal administrators will face increased administrative and tax-reporting complexity (system updates, new calculations, verification integration), raising compliance costs and transitional confusion in 2026.
Introduced November 25, 2025 by Jefferson Van Drew · Last progress November 25, 2025