hold on there's just too much going on in Congress lmao...
Expands health insurance financial aid, basing it on 'gold' plans, lowering costs.
Rep. Schrier (D, WA) and Rep. Budzinski (D, IL).
In committee, no House vote yet.
The bill aims to make health insurance more affordable by tying financial assistance to more generous 'gold' level plans instead of 'silver' plans, starting in 2028. This means people could pay less in premiums and out-of-pocket costs like deductibles and co-pays. Representative Schrier, a Democrat from Washington, and Representative Budzinski, a Democrat from Illinois, introduced the bill, which is currently being reviewed by the House Energy and Commerce Committee and Ways and Means Committee.
Introduced Jan 20, 2026
This bill has been introduced in the House of Representatives and referred to the Energy and Commerce Committee and the Ways and Means Committee for review. For it to become law, it must pass both the House and the Senate, and then be signed by the President. There are no scheduled votes yet.
If this bill passes, starting in 2028, your monthly health insurance premiums could become more affordable because government subsidies would be based on the cost of a 'gold' plan. This would typically mean larger subsidies for you. Additionally, for eligible individuals, the bill would increase the percentage of healthcare costs covered by the plan, meaning you would pay less in deductibles, co-payments, and other out-of-pocket expenses. This expanded financial help would apply to people earning up to 400% of the federal poverty line, making comprehensive insurance more accessible.
Supporters Say
Advocates believe this bill will make healthcare more affordable and accessible by increasing financial assistance.
Critics Say
The bill text does not detail potential criticisms or opposing viewpoints.
Supporters argue that by pegging subsidies to gold-level plans and increasing cost-sharing reductions, the bill addresses key barriers to healthcare access: high premiums and high out-of-pocket costs. They contend this will lead to better health outcomes and greater financial security for millions of Americans.