# 119-hr-10788: Lower Premiums, Faster Payments Act

119-hr-10788, Lower Premiums, Faster Payments Act, is a 119th Congress bill sponsored by Rep. Pallone, Frank [D-NJ-6] (D-NJ); status introduced; PRIA reads it as touching household money (as of 2026-10-18).

- Canonical: https://policyrisk.com/legislation/119-hr-10788
- As of: 2026-10-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10788
- Congress: 119
- Title: Lower Premiums, Faster Payments Act
- Status: introduced
- Introduced: 2026-10-09
- Sponsor: Rep. Pallone, Frank [D-NJ-6] (D-NJ)
- Cosponsors: 0
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-10-18

## Summary

**A shift to a government-defined Qualifying Payment Amount (QPA).** This bill would phase out independent dispute resolution for most out-of-network care and replace it with a median-based QPA payment system that applies to services furnished in 2028 and later.

## Provisions PRIA read

- Annual audits of insurer payment data: benefit, low. If enacted, the Secretary would audit QPA claims data each year beginning in 2028. Each audit would sample claims from at least 25 group health plans and health insurers offering group or individual coverage. The Secretary would make audit findings public and deliver the findings to Congress. These…
- New QPA benchmark for out-of-network care: mixed, medium. If enacted, the bill would replace most out-of-network arbitration with a government-set qualifying payment amount (QPA) for care furnished on or after January 1, 2028. The QPA would include patient cost-sharing, plan payments, and expected incentive or retroactive adjustments. For 2028 the QPA bas…
- Faster payments and air-ambulance rules: mixed, low. If enacted, the bill would require certain out-of-network payments or actions to occur within 30 days after the provider or facility transmits the bill when the out-of-network rate is the QPA. The bill would also align air-ambulance rules across the health, labor, and tax laws, keep transitional ru…

## Related bills

- 119-hr-1768: Lower Costs for Everyday Americans Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-5484: National Flood Insurance Program Reauthorization and Reform Act of 2025
- 119-hr-3069: Medicare for All Act
- 119-hr-2913: Ukraine Support Act
- 119-hr-7757: KIDS Act

## Sources
- [119-hr-10788 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10788)

## Related
- [119-hr-1768: Lower Costs for Everyday Americans Act](https://policyrisk.com/legislation/119-hr-1768)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-5484: National Flood Insurance Program Reauthorization and Reform Act of 2025](https://policyrisk.com/legislation/119-hr-5484)
- [119-hr-3069: Medicare for All Act](https://policyrisk.com/legislation/119-hr-3069)
- [119-hr-2913: Ukraine Support Act](https://policyrisk.com/legislation/119-hr-2913)
- [119-hr-7757: KIDS Act](https://policyrisk.com/legislation/119-hr-7757)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10788 (as of 2026-10-18).