Healthcare (Insurance)

in committee · United States · Senate Feb 10, 2026

S 3822: Break Up Big Medicine Act

The Break Up Big Medicine Act requires large healthcare companies that own multiple parts of the healthcare system (such as insurance, pharmacies, and physician practices) to divest certain businesses to eliminate conflicts of interest. It prohibits common ownership between entities like health insurers and physician practices, or drug wholesalers and medical providers, mandating divestiture within one year of enactment. Non-compliance would trigger penalties including monthly escrow of 10% of profits, and the bill allows government agencies and individuals to sue for violations. This directly affects the largest health insurance companies, pharmacy benefit managers, and drug distributors that have integrated operations across the healthcare sector.

Topics ✓ HealthcareSupports HealthcareMandates divestiture of conflicting healthcare entities to eliminate conflicts of interest, promoting competition and patient access.90% confidence

Sub-Topics Insurance Prescription Drugs

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in committee · United States · House Sep 10, 2025

HR 5283: Healthcare Workforce Resilience Act

The Healthcare Workforce Resilience Act (HR 5283) increases U.S. immigration visas for healthcare workers by recapturing unused employment-based visas from 1992-2024. It directly affects foreign nurses and physicians who filed petitions before 2027 (three years after enactment), reserving 25,000 visas for nurses and 15,000 for physicians. Key provisions include exempting these visas from country caps, requiring labor attestations to ensure no U.S. worker displacement, and establishing fee-free premium processing for applications. The bill aims to address healthcare staffing shortages by making these visas immediately available to qualifying professionals and their families.

Topics ✓ HealthcareSupports HealthcareBill increases visas for nurses/physicians (25k/15k) to address workforce shortages, directly improving healthcare access and system resilience per healthcare topic definition.95% confidence ✓ ImmigrationSupports ImmigrationIncreases visas for healthcare workers, expanding immigration pathways for nurses and physicians through dedicated visa reserves.95% confidence

Sub-Topics Healthcare Workforce Insurance

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in committee · United States · House Dec 19, 2025

HR 4648: Access to Fertility Treatment and Care Act

This bill would require health insurance plans that cover obstetrical services to also cover a broad range of fertility treatments, including in vitro fertilization, artificial insemination, embryo preservation, and fertility medications. It mandates coverage regardless of whether a person has been diagnosed with infertility, with cost-sharing (deductibles, coinsurance) limited to the same level as other medical services. The law would apply to employer-sponsored health plans, individual insurance, Medicare, Medicaid, TRICARE, and VA benefits, with implementation deadlines ranging from January 1, 2026 for Medicare to January 1, 2027 for notice requirements. The bill also prohibits plans from discouraging fertility treatment or limiting providers who offer it, while ensuring coverage is provided without requiring individuals to undergo treatment.

Topics ✓ HealthcareSupports HealthcareMandates insurance coverage for fertility treatments, expands access without infertility diagnosis requirement, aligns cost-sharing with standard medical services.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentMandates employer health plans to cover fertility treatments, expanding employee benefits under employment standards.85% confidence

Sub-Topics Insurance Medicaid Women's Health

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in committee · United States · Senate Jul 30, 2025

S 2556: Protecting Health Care and Lowering Costs Act

This bill permanently extends the enhanced premium tax credit for Affordable Care Act marketplace insurance plans, directly affecting millions of lower-income households (earning 150%-400% of the federal poverty level) who purchase coverage through state or federal marketplaces. It establishes a sliding-scale percentage system where the tax credit reduces monthly premiums based on income, starting at 0% for households earning up to 150% of poverty and increasing to 8.5% for those earning 300%-400% of poverty. The bill replaces temporary provisions with permanent rules, ensuring consistent cost-sharing support for eligible buyers. The changes apply to tax years beginning after December 31, 2025.

Topics ✓ Budget & TaxesSupports Budget & TaxesExtends premium tax credit providing direct tax relief to lower-income households (150%-400% FPL), aligning with tax relief indicators for middle/lower income.95% confidence ✓ HealthcareSupports HealthcareExtends ACA premium tax credits for lower-income households (150%-400% FPL), directly increasing affordability and access to health insurance coverage.95% confidence

Sub-Topics Tax Credits Insurance Medicaid Medicare

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in committee · United States · Senate Dec 4, 2025

S 3369: Medicare-X Choice Act of 2025

The Medicare-X Choice Act of 2025 would establish a new public health insurance option called the "Medicare Exchange health plan" available through health insurance exchanges starting in 2028 for eligible individuals who are not enrolled in traditional Medicare. The plan would offer silver and gold coverage levels with no cost-sharing for primary care services, and would reimburse healthcare providers at Medicare rates. Healthcare providers enrolled in Medicare or Medicaid would be required to participate in this public plan, and the bill includes provisions to collect data addressing health disparities and improve care coordination. The plan would be funded through $1 billion in appropriations for each of two funds to establish and administer the program, while maintaining existing Medicare benefits and trust funds.

Topics ✓ HealthcareSupports HealthcareCreates new public health insurance option with no cost-sharing for primary care, expanding coverage access for non-Medicare enrollees and improving patient access to services.95% confidence

Sub-Topics Insurance Medicare Primary Care

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in committee · United States · House Jan 9, 2025

HR 247: Health Care Affordability Act of 2025

This bill increases healthcare affordability for low- and middle-income people by expanding eligibility for premium tax credits under the Affordable Care Act. It removes the previous 400% of poverty level cap for subsidy eligibility and replaces it with a new sliding scale based on income tiers, ranging from 0% to 8.5% of household income for coverage costs. The scale adjusts linearly across income levels, with households earning 300-400% of poverty paying 6.0%-8.5% of income (up from the prior fixed 400% cap), while lower-income households pay progressively less. These changes apply to tax years beginning after December 31, 2025, directly affecting individuals purchasing health insurance through marketplace plans.

Topics ✓ Budget & TaxesSupports Budget & TaxesExpands tax credit eligibility for lower/middle-income households, providing direct tax relief under ACA subsidies per bill's sliding scale adjustment.95% confidence ✓ HealthcareSupports HealthcareExpands subsidy eligibility beyond 400% poverty cap, lowers coverage costs for 300-400% poverty households, directly increasing affordability and access per bill's core purpose.95% confidence

Sub-Topics Procurement Tax Credits Insurance

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in committee · United States · House Jun 5, 2025

HR 3769: Dependent Income Exclusion Act of 2025

HR 3769, the Dependent Income Exclusion Act of 2025, modifies tax rules to help families qualify for health insurance premium tax credits. It excludes certain income earned by dependents under age 18, or dependents aged 18-24 enrolled in approved education or job-training programs (like those under the Workforce Innovation Act), from being counted toward household income for credit calculations. The exclusion is limited to 15% of a family’s total income, and in states that haven’t expanded Medicaid, it cannot reduce household income below 100% of the federal poverty line. The bill amends the Internal Revenue Code and Affordable Care Act to implement these changes, affecting families claiming health insurance tax credits.

Topics ✓ Budget & TaxesSupports Budget & TaxesExcludes dependent income from household calculations for premium tax credits, providing tax relief to lower-income families by increasing eligibility for subsidies.95% confidence ✓ HealthcareSupports HealthcareExcludes dependent income from household calculations to increase eligibility for health insurance premium tax credits, expanding access to coverage.95% confidence

Sub-Topics Income Tax Tax Credits Children's Health Insurance Medicaid

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in committee · United States · House Nov 21, 2025

HR 6246: Save American Healthcare Act

This bill extends health insurance premium tax credits for taxpayers with household incomes above 400% of the poverty line, temporarily allowing credits for those who would otherwise lose eligibility. It modifies the Internal Revenue Code to apply this extension without a fixed end date, instead tying it to budget estimates that must balance increased federal costs against tariff revenue gains. The key provision adjusts how the credit amount is calculated for tax years beginning after December 31, 2025, using a temporary rule based on projected federal budget impacts. It directly affects middle- and higher-income individuals who rely on these subsidies to afford health insurance coverage. The bill does not change eligibility thresholds but extends current subsidy rules under specific fiscal constraints.

Topics ✗ Budget & TaxesOpposes Budget & TaxesExtends tax credits to higher-income taxpayers (above 400% poverty), creating tax breaks for wealthy, aligning with 'oppose' indicators.85% confidence ✓ HealthcareSupports HealthcareExtends health insurance premium tax credits for higher-income individuals, preventing loss of eligibility and expanding coverage access. Directly strengthens insurance affordability under healthcare policy.95% confidence

Sub-Topics Tax Credits Insurance

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in committee · United States · House May 19, 2025

HR 3480: Health Coverage for IVF Act of 2025

HR 3480 would require most health insurance plans in the individual and small group markets to cover fertility treatment and care as an essential health benefit, directly affecting people seeking services like in vitro fertilization (IVF). The bill defines covered services to include IVF, embryo preservation, genetic testing, medications for fertility, and related care, following American Society for Reproductive Medicine guidelines. Insurers must ensure fertility coverage has no stricter cost-sharing or treatment limits than other medical benefits and cannot deny coverage based solely on lack of an infertility diagnosis. It also mandates insurers to report annually on how they apply utilization management tools to fertility care, with oversight by the Comptroller General. The requirements would take effect one year after the bill's enactment.

Topics ✓ HealthcareSupports HealthcareMandates insurance coverage for IVF, embryo preservation, and fertility medications as essential health benefits, expanding access to reproductive healthcare services.95% confidence

Sub-Topics Insurance

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in committee · United States · Senate Feb 26, 2025

S 755: Finn Sawyer Access to Cancer Testing Act

This bill requires Medicare, Medicaid, and CHIP to cover cancer diagnostic and laboratory tests (like genetic sequencing for cancer diagnosis and treatment monitoring) for patients. It defines these tests specifically and sets rules: Medicare pays 80% (or 100% for certain cases) of the test cost without deductibles, while Medicaid must cover them starting in 2027 and CHIP must cover them for children and pregnant women starting in 2025. Tests can only be provided once at diagnosis, once for recurrence, and as needed for treatment planning. The bill directly affects cancer patients enrolled in these federal health programs.

Topics ✓ HealthcareSupports HealthcareMandates Medicare/Medicaid/CHIP coverage for cancer diagnostic tests without deductibles, expanding access to critical healthcare services and aligning with coverage expansion indicators.95% confidence

Sub-Topics Children's Health Insurance Medicare

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