Healthcare (Insurance)

in committee · United States · House Aug 1, 2025

HR 4849: Protecting Health Care and Lowering Costs Act of 2025

This bill adjusts health insurance subsidies by modifying the premium tax credit structure under the Internal Revenue Code. It replaces previous income thresholds with a sliding-scale formula, increasing subsidies for households earning between 150% and 400% of the federal poverty level - reducing their required premium payments as income rises within these tiers. The changes apply to tax years beginning after December 31, 2025, directly affecting middle-income individuals and families purchasing coverage through health insurance marketplaces. It also repeals specific provisions from a prior reconciliation law related to health care.

Topics ✓ Budget & TaxesSupports Budget & TaxesIncreases tax credits for 150-400% FPL households, lowering health insurance costs via sliding-scale subsidies under tax code.95% confidence ✓ HealthcareSupports HealthcareIncreases subsidies for 150-400% FPL households, lowering premiums and expanding coverage access for middle-income families under health insurance tax credits.95% confidence

Sub-Topics Procurement Tax Credits Insurance Medicaid Medicare

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in committee · United States · Senate Jul 23, 2025

S 2408: Access to Fertility Treatment and Care Act

This bill would require health insurance plans that cover obstetrical services to also cover fertility treatment, including procedures like in vitro fertilization, artificial insemination, embryo preservation, and related medications. It applies to private insurance plans, federal employee health benefits, TRICARE, VA benefits, Medicaid programs, and Medicare. The law mandates coverage regardless of whether a patient has been diagnosed with infertility, prohibits cost-sharing exceeding what's applied to other medical services, and requires plans to provide clear notice about the coverage to participants. The goal is to make fertility treatment more accessible and affordable for people who need it.

Topics ✓ HealthcareSupports HealthcareMandates insurance coverage for fertility treatments, expanding access to reproductive healthcare services under multiple insurance programs including Medicaid and Medicare.95% confidence ✓ VeteransSupports VeteransBill explicitly mandates VA benefits to cover fertility treatments, expanding veteran healthcare access beyond current coverage.95% confidence

Sub-Topics Insurance Medicaid Women's Health

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in committee · United States · House Feb 4, 2025

HR 936: Medicaid Improvement and State Flexibility Act of 2025

This bill allows states to create new Medicaid demonstration projects that give enrollees an electronic benefits card for primary care and medications, with unused funds converted to cash annually. Participants could also enroll in state-determined catastrophic insurance for coverage beyond the card's limits. The projects must not increase federal spending compared to standard Medicaid and prohibit abortion coverage except when necessary to save a mother's life or in cases of rape or incest. It directly affects Medicaid enrollees in states that adopt such projects, granting states more flexibility in program design.

Topics ✓ HealthcareSupports HealthcareBill creates Medicaid flexibility for primary care/medication access via electronic benefits cards, expanding coverage options without increasing federal spending, aligning with healthcare access improvement.90% confidence

Sub-Topics Insurance Medicaid Medicare

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in committee · United States · Senate Nov 4, 2025

S 3102: A bill to amend the Internal Revenue Code of 1986 to extend the temporary enhanced premium credits, and for other purposes.

This bill extends two key Affordable Care Act provisions. It delays the expiration of temporary subsidies that help lower-income people afford health insurance premiums, moving the deadline from 2026 to 2028 (affecting millions buying coverage through health insurance marketplaces). It also extends the open enrollment period for 2026 health plans until January 15, 2026. The changes apply to tax years beginning after December 31, 2025, ensuring continued access to subsidies and enrollment flexibility through 2028.

Topics ✓ Budget & TaxesSupports Budget & TaxesExtends tax credits for lower-income ACA subsidies, providing ongoing tax relief and maintaining funding for health coverage affordability.95% confidence ✓ HealthcareSupports HealthcareExtends ACA premium subsidies until 2028 and enrollment period, maintaining affordability and access for marketplace coverage, directly advancing healthcare access for lower-income individuals.95% confidence

Sub-Topics Insurance

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in committee · United States · Senate Jan 8, 2026

S 3599: Affordable CHOICE Act

S 3599, the Affordable CHOICE Act, establishes a new government-run health insurance plan to compete with private insurers through existing health insurance marketplaces (Exchanges) starting in 2027. It directly affects consumers purchasing coverage through these Exchanges by offering bronze, silver, and gold plan tiers with premiums set to cover both health benefits and administrative costs. Key provisions require the federal government to negotiate provider payment rates (using Medicare rates as a fallback), prohibit transferring insurance risk to contractors, and mandate state-level advisory councils to recommend improvements. The plan must comply with existing ACA rules on benefits and consumer protections while aiming to provide affordable, high-quality coverage nationwide.

Topics ✓ HealthcareSupports HealthcareCreates government-run health insurance plan competing in marketplaces, expanding coverage options and using Medicare rates to control costs for consumers.95% confidence

Sub-Topics Insurance Medicare

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in committee · United States · Senate Apr 1, 2025

S 1239: Convenient Contraception Act

This bill requires group health plans and individual health insurance plans to cover a full year's supply (up to 365 days) of contraceptives without any cost-sharing (like copays or deductibles), for any contraceptive already mandated by law. It directly affects individuals enrolled in these health plans who use prescribed contraceptives, ensuring they can access a full year's supply in one transaction. The key provision eliminates cost barriers for a 365-day supply, applying to all contraceptives covered under existing law. The requirement takes effect for plan years starting January 1, 2026, and includes a requirement for federal agencies to inform enrollees and providers about the new coverage rules.

Topics ✓ HealthcareSupports HealthcareEliminates cost barriers for contraceptive coverage under insurance plans, expanding access to essential health services without restricting benefits.95% confidence

Sub-Topics Insurance Women's Health

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in committee · United States · Senate Dec 9, 2025

S 3391: Accountability for Better Care Act of 2025

The Accountability for Better Care Act of 2025 modifies key provisions of the Affordable Care Act's health insurance subsidies. It extends the premium tax credit period to 2027, increases the income threshold for higher-income households to 600% of the federal poverty level (from 400%), and ensures subsidies never exceed monthly premiums minus $5. The bill also requires U.S. citizenship for eligibility (replacing prior rules for non-citizens), and prohibits health plans covering abortions (except in cases of life endangerment, rape, or incest) from qualifying for subsidies. These changes apply to tax years beginning after December 31, 2025.

Topics ✓ Budget & TaxesSupports Budget & TaxesExtends premium tax credit period and increases income threshold to 600% FPL, expanding tax relief for health insurance subsidies and increasing government spending on this program.90% confidence ✓ HealthcareSupports HealthcareExpands health insurance subsidies by raising income threshold to 600% FPL (from 400%) and extending subsidy period, increasing access for more households. Restrictions (citizenship requirement, abortion coverage ban) are secondary to core expansion.85% confidence ✗ ImmigrationOpposes ImmigrationRequires U.S. citizenship for ACA subsidies, restricting non-citizen immigrants' access to healthcare services.95% confidence

Sub-Topics Tax Credits Insurance Citizenship & Naturalization

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in committee · United States · House Apr 29, 2025

HR 3080: Health Care Fairness for All Act

The Health Care Fairness for All Act repeals the individual and employer health insurance mandates from the Affordable Care Act. It creates a new tax credit to help people afford health insurance and modifies health savings accounts to make them more accessible. The bill maintains certain consumer protections like no lifetime coverage limits and coverage for dependents up to age 26, while giving states more flexibility to regulate health insurance outside of the ACA marketplace. It also includes changes to Medicare and Medicaid payment systems to improve cost transparency and quality of care.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates a new tax credit to help people afford health insurance, providing direct tax relief for middle/lower income individuals.95% confidence ✓ HealthcareSupports HealthcareCreates tax credit for affordable insurance, maintains key ACA protections (no lifetime limits, dependent coverage), and expands access without restricting coverage or defunding programs.85% confidence

Sub-Topics Tax Credits Insurance Medicaid Medicare

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passed · United States · House Mar 5, 2025

HR 919: Chronic Disease Flexible Coverage Act

This bill formalizes existing IRS guidance (IRS Notice 2019-45) that allows certain chronic disease services to be covered as preventive care under health insurance plans, without cost-sharing for enrollees. It directly affects health insurance plans and individuals with chronic conditions, ensuring coverage for specific treatments like diabetes management or hypertension care under current tax law. The key mechanism is treating the IRS guidance as having the same legal effect as if it were codified in the tax code, clarifying that insurers must cover these services as preventive care. This does not create new benefits but aligns insurance coverage with existing IRS rules.

Topics ✓ HealthcareSupports HealthcareFormalizes IRS guidance to cover chronic disease services (e.g., diabetes/hypertension) without cost-sharing, expanding patient access to preventive care under insurance plans.95% confidence

Sub-Topics Insurance Primary Care

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in committee · United States · House Nov 10, 2025

HR 6016: Keep Healthcare Affordable Act

HR 6016, the Keep Healthcare Affordable Act, extends and expands federal subsidies for health insurance premiums purchased through the marketplace. It extends the enhanced premium tax credit program through 2029 (instead of 2025) and increases the income threshold for eligibility from 400% to 1,000% of the federal poverty level for certain taxpayers. This directly affects millions of people who buy health insurance through the marketplace and qualify for subsidies based on income. The bill modifies IRS Code sections 36B(b)(3)(A)(iii) and 36B(c)(1)(E) to implement these changes, applying to taxable years beginning after December 31, 2025.

Topics ✓ Budget & TaxesSupports Budget & TaxesExtends premium tax credits through 2029 and increases income eligibility threshold, providing tax relief to lower/middle-income individuals and increasing government spending on healthcare subsidies.95% confidence ✓ HealthcareSupports HealthcareExtends premium tax credits until 2029, increases income eligibility to 1000% FPL, directly expanding affordable coverage for millions through marketplace subsidies.95% confidence

Sub-Topics Tax Credits Insurance

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