Sponsors
The bill aims to stop improper duplicate advance premium tax credit payments and strengthen exchange integrity, but it may slow or wrongly block coverage for some applicants and creates implementation costs for exchanges.
Taxpayers: Prevent duplicated advance premium tax credit payments by detecting identical SSNs and stopping duplicative payments, reducing improper payments and potential future tax liabilities.
State and federal exchange administrators: Improve Exchange program integrity and reduce fraud and administrative burden by matching applicant/enrollee SSNs within 60 days to flag duplicates.
Individuals mistakenly enrolled twice: Avoid billing or tax problems because duplicative advance credits would be stopped promptly.
Uninsured applicants: Might face enrollment delays or extra verification when their SSNs are flagged, slowing access to coverage.
Applicants with shared or misentered SSNs: Risk false positives from SSN matching that could wrongfully delay or deny premium tax credits.
State exchanges and HHS: Will incur implementation and IT costs to build the detection process within 60 days, diverting resources from other priorities.
Based on analysis of 2 sections of legislative text.
Requires HHS to create an Exchange process (within 60 days) to detect matching SSNs and prevent duplicate advance premium tax credit payments for the same coverage period.
Introduced December 9, 2025 by Timothy Burchett · Last progress December 9, 2025
Requires the HHS Secretary to set up, within 60 days, an Exchange program process that detects when an applicant’s Social Security number (SSN) for individual-market coverage matches the SSN of any Exchange enrollee for the same coverage period and to take steps to prevent duplicate advance premium tax credit payments. The goal is to stop duplicate advance payments of premium tax credits before they are made, using a new matching and prevention process in the federal Exchange system.