To amend the Internal Revenue Code of 1986 to extend and modify the enhanced premium tax credit, and for other purposes.
Term Dictionary
If you come across any unfamiliar words while reading, these resources can help make everything clearer. Pick whichever one works best for you!
- Congress.gov Legislative Glossary - Comprehensive congressional terms
- NVFC Congressional Terms Glossary - Concise, easy-to-understand definitions
The gist
Extends boosted Obamacare subsidies for 2 more years, reforms Medicare Advantage payments, and punishes brokers who fraudulently enroll people in health plans.
Who wins, who loses
- Wins: ACA enrollees earning up to 600% of poverty, families keeping lower premiums, fraud victims.
- Loses: dishonest insurance brokers, Medicare Advantage insurers using aggressive coding to boost payments.
What it does
- Caps ACA premiums at 8.5% of income for households up to 600% of poverty in 2026-2027.
- Fines brokers $10,000-$50,000 for negligence, up to $200,000 for fraud, plus 10 years prison for willful fraud.
- Requires Medicare Advantage to use 2 years of diagnostic data and excludes chart-review-only diagnoses from payments.
- Mandates consent verification before brokers can switch someone's health plan.
Why should I care?
Supporters say the extension prevents premium spikes that would push millions off coverage, including young adults on family plans. Critics argue enhanced subsidies cost over $300 billion and reward insurers rather than fixing costs. An alternative being debated: making the subsidies permanent but means-testing them more strictly. Where do you land? Vote below and use "Tell Your Rep" to make sure your voice reaches Congress.