Providing for consideration of the bill (H.R. 185) to advance responsible policies.

Key Points

• The bill extends enhanced premium tax credits for ACA marketplace insurance through 2027, preventing a sudden cost increase for millions of people who buy their own health plans. Without this extension, subsidies would expire at the end of 2025, and premiums could jump sharply for enrollees.
• The bill expands eligibility for premium help to households earning up to 935% of the federal poverty level, up from the current 400% cap. This means middle- and upper-middle-class families who previously earned too much to qualify could now receive subsidies to lower their insurance costs.
• New anti-fraud provisions impose steep penalties on insurance brokers who submit false information—up to $200,000 in civil fines per affected person and up to 10 years in prison for willful fraud. Brokers must also get documented consumer consent before enrolling or changing someone's plan.
• The government would be required to check the Death Master File quarterly and remove deceased individuals from marketplace plans, preventing the government from continuing to pay subsidies for people who have passed away.
• For the 2026 plan year, open enrollment would be extended through May 15, 2026, giving people much more time to sign up for coverage or switch plans compared to the usual January 15 deadline.