# 119-hr-6501: Bipartisan Health Insurance Affordability Act

119-hr-6501, Bipartisan Health Insurance Affordability Act, is a 119th Congress bill sponsored by Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6501
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6501
- Congress: 119
- Title: Bipartisan Health Insurance Affordability Act
- Status: introduced
- Introduced: 2025-12-09
- Sponsor: Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA)
- Cosponsors: 22
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Extends and expands premium tax credits to households up to 700% of the federal poverty line.** It would also tighten Exchange oversight, force rebate pass-through to group plans, increase PBM transparency in Medicare Part D, and create new HSA and premium prepayment options for certain Exchange enrollees. - Families and individual enrollees: Would extend and modify the enhanced premium tax credit for taxable years beginning in 2026 and 2027, raise the eligibility cap from 400% to 700% of poverty, change the premium-share sliding scale, and extend the 2026 open enrollment period through March 1, 2026. - Medicare beneficiaries and PBMs: Would impose new Medicare Part D requirements for plan years starting on or after January 1, 2029, including annual drug-level and plan-level PBM reporting, limits on PBM compensation other than bona fide service fees, fair-market-value standards, and authority to disgorge improper remuneration. - Employers, group plans, and HSA users: Would require 100% remittance of rebates and related remuneration to group health plans with a phased ban beginning 30 months after enactment and quarterly remittances. It would create a "qualified Exchange enrollee" HSA category, allow an optional annual premium prepayment, and let some enrollees direct 50% of an advance premium tax credit into an HSA subject to contribution limits.

## Cosponsors (22)

- Rep. Golden, Jared F. [D-ME-2] (D-ME), 2025-12-09T00:00:00.000Z
- Rep. Bacon, Don [R-NE-2] (R-NE), 2025-12-09T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-12-09T00:00:00.000Z
- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2025-12-09T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-12-09T00:00:00.000Z
- Rep. Malliotakis, Nicole [R-NY-11] (R-NY), 2025-12-09T00:00:00.000Z
- Rep. Perez, Marie Gluesenkamp [D-WA-3] (D-WA), 2025-12-09T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-12-09T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-12-09T00:00:00.000Z
- Rep. Mackenzie, Ryan [R-PA-7] (R-PA), 2025-12-09T00:00:00.000Z
- Rep. Kean, Thomas H. [R-NJ-7] (R-NJ), 2025-12-09T00:00:00.000Z
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ), 2025-12-09T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-12-09T00:00:00.000Z
- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ), 2025-12-09T00:00:00.000Z
- Rep. LaLota, Nick [R-NY-1] (R-NY), 2025-12-09T00:00:00.000Z
- Rep. Kiggans, Jennifer A. [R-VA-2] (R-VA), 2025-12-10T00:00:00.000Z
- Rep. Peters, Scott H. [D-CA-50] (D-CA), 2025-12-10T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2025-12-10T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-12-10T00:00:00.000Z
- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2025-12-11T00:00:00.000Z
- Rep. Hurd, Jeff [R-CO-3] (R-CO), 2025-12-12T00:00:00.000Z
- Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2025-12-16T00:00:00.000Z

## Provisions PRIA read

- Premium tax credit up to 700%: benefit, high. If enacted, households with income up to 700% of the federal poverty level could qualify for the premium tax credit for tax years starting after Dec 31, 2025 and before Jan 1, 2028. The bill changes the percentage schedule used to compute premium assistance, with special rules for incomes at or bel…
- More PBM transparency for Medicare: benefit, medium. If enacted, PBMs in Medicare Part D would have to send detailed drug- and plan-level reports each year by July 1 starting in 2029. Part D plan sponsors could audit PBMs at least once per year and choose the auditor. The same PBM rules would apply to Medicare Advantage drug plans for plan years star…
- PBMs must pass rebates to plans: benefit, medium. If enacted, pharmacy benefit managers for group health plans would have to remit 100% of rebates and drug-related payments to the plan starting 30 months after enactment. Plans must receive quarterly remittances within 90 days after each quarter and fix underpayments within 90 days of notice. Plan…
- New Exchange rules and HSA options: mixed, medium. If enacted, some Exchange enrollees could treat months enrolled in qualifying Exchange plans as HSA-eligible beginning for tax years after Dec 31, 2025. Starting with 2026 plan years, eligible people could elect to put half of their advance premium tax credit into an HSA, up to annual HSA limits. T…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-2048: Metastatic Breast Cancer Access to Care Act
- 119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act
- 119-hr-6575: CommonGround for Affordable Health Care Act

## Sources
- [119-hr-6501 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6501)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-2048: Metastatic Breast Cancer Access to Care Act](https://policyrisk.com/legislation/119-hr-2048)
- [119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act](https://policyrisk.com/legislation/119-hr-1993)
- [119-hr-6575: CommonGround for Affordable Health Care Act](https://policyrisk.com/legislation/119-hr-6575)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6501 (as of 2026-04-21).