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Congress·In Committee·H.Res. 902

Reps. Suozzi and Bacon Introduce Bipartisan HOPE Act to Extend Health Insurance Subsidies

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

4 months ago·View on Congress.gov

Legislative Progress

House
Senate
President
Law

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.

    From policy text

    “In the case of a taxable year beginning after December 31, 2025, and before January 1, 2028--”
    View in full text
  • 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.

    From policy text

    “subparagraph (A) shall be applied by substituting ``but does not exceed 935 percent'' for ``but does not exceed 400 percent''.”
    View in full text
  • 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.
HealthcareTaxes

Impact Analysis

Personal Impact

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

1 milestone2 actions
Nov 20, 2025House

Referred to the House Committee on Rules.

Nov 20, 2025

Submitted in House

What Happens Next

Projected impacts based on AI analysis

2025-11-01

Extended open enrollment for 2026 plans begins

People would have until May 15, 2026 to sign up for or change their health insurance plan on the marketplace, instead of the usual mid-January deadline. This gives millions more time to find affordable coverage.

2026-01-01

Enhanced premium tax credits take effect for 2026 tax year

Marketplace enrollees would see continued lower premiums. People earning up to 935% of the poverty level could qualify for subsidies for the first time, significantly reducing monthly health insurance costs.

Within 90 days of enactment

Quarterly death record checks begin for marketplace enrollees

Within 90 days of enactment, the government would start checking death records every quarter to remove deceased individuals from marketplace plans, stopping improper subsidy payments.

Related Bills

1 bill
H.R. 6575Related bill

CommonGround for Affordable Health Care Act

Dec 10 — Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Rules, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Source Information

Document Type

Congressional Bill

Official Title

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

Bill NumberHRES 902
Congress119th Congress
ChamberHouse of Representatives
Latest ActionReferred to the House Committee on Rules.

Sponsor

Cosponsors

(1)
R: 1

Analysis generated by AI. Always verify with official sources.