ACCESS Act

The ACCESS Act (HR 3004) temporarily expands health insurance premium tax credits for low-income individuals and creates a federal Medicaid program to close coverage gaps in states that haven't expanded Medicaid. For 2024-2026, the bill removes income limits for premium tax credits and allows credits for low-income employees with household incomes up to 138% of the poverty line. It establishes a Federal Medicaid program that would provide health coverage to individuals in non-Medicaid-expansion states who earn up to 138% of the poverty line, administered through contracts with Medicaid managed care organizations or third-party administrators. The program would transition individuals from Marketplace plans to this federal coverage and includes provisions for income verification and coordination with state Medicaid programs.