# 119-hr-7164: Capping Costs for Consumers Act of 2026

119-hr-7164, Capping Costs for Consumers Act of 2026, is a 119th Congress bill sponsored by Rep. Schrier, Kim [D-WA-8] (D-WA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-7164
- 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-7164
- Congress: 119
- Title: Capping Costs for Consumers Act of 2026
- Status: introduced
- Introduced: 2026-01-20
- Sponsor: Rep. Schrier, Kim [D-WA-8] (D-WA)
- Cosponsors: 1
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Shifts ACA premium subsidy calculations and cost-sharing reductions from a silver to a gold benchmark.** This bill would reorient premium tax credit and cost-sharing rules toward a second-lowest-cost gold plan and raise CSR generosity for many enrollees while adding a Treasury funding backstop and transition rules around 2028. - Households would have premium tax credits and premium-assistance calculations measured against a second-lowest-cost gold plan instead of a silver plan for plan years starting in 2028. - Lower- and middle-income enrollees would get larger cost-sharing help, including an 87% plan share for people with incomes above 150% and up to 300% of the poverty line and an 85% CSR for incomes above 300% and up to 400%. - The bill would add a dedicated funding mechanism by appropriating "such sums as may be necessary" from the Treasury for CSR payments and would align State Basic Health Program support to the gold benchmark for post-2028 plan years.

## Cosponsors (1)

- Rep. Budzinski, Nikki [D-IL-13] (D-IL), 2026-01-20T00:00:00.000Z

## Provisions PRIA read

- More cost-sharing help for Exchange enrollees: benefit, high. If enacted, this bill would increase cost-sharing reductions (CSRs) for people in Marketplace plans who qualify. For plan years before Jan 1, 2028: incomes over 150% to 200% FPL would get a plan share of 87%; over 200% to 250% would get 73%; over 250% to 400% would get 70%. For plan years on or aft…
- Higher premium tax credits for households: benefit, high. If enacted, this bill would make the premium tax credit use a gold-level plan as the benchmark instead of a silver plan. This applies to taxable years beginning after Dec 31, 2027. Households that claim the premium tax credit would compute their credit using gold-level premiums, which would usually…

## Related bills

- 119-hr-4669: FEMA Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-3077: Agriculture Resilience Act of 2025
- 119-hr-3151: SHIPS for America Act of 2025

## Sources
- [119-hr-7164 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7164)

## Related
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3077: Agriculture Resilience Act of 2025](https://policyrisk.com/legislation/119-hr-3077)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7164 (as of 2026-04-21).