Caps health insurance costs for many Americans buying plans through the marketplace.
This bill would make health insurance more affordable for millions of Americans who buy plans through the government marketplace. It would increase the financial help available for both monthly premiums and out-of-pocket costs like deductibles and co-pays, especially for people with lower and middle incomes. These changes would start in 2028.
Today, financial help for health insurance marketplace plans is based on "silver" level plans and has specific income limits for different levels of out-of-pocket cost reductions. After this bill, starting in 2028, monthly premium tax credits would be based on "gold" level plans, making them larger, and out-of-pocket cost reductions would be more generous and cover a wider income range.
HR 7164 · 119th Congress · January 20, 2026 · AI Summary by gemini-2.5-flash · 8/10
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Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.