# 119-hr-7861: Care Over Profits Act of 2026

119-hr-7861, Care Over Profits Act of 2026, is a 119th Congress bill sponsored by Rep. Barrett, Tom [R-MI-7] (R-MI); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-7861
- 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-7861
- Congress: 119
- Title: Care Over Profits Act of 2026
- Status: introduced
- Introduced: 2026-03-09
- Sponsor: Rep. Barrett, Tom [R-MI-7] (R-MI)
- Cosponsors: 1
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Would raise the medical loss ratio to 85%** for small group and individual market plans so more premium dollars go to medical care and quality. It would also create steep civil and criminal penalties for agents and brokers who submit false or negligent enrollment information for Exchange plans. - Families and consumers: More of each premium dollar would be required to go toward medical care and quality improvement, which could change how insurers allocate spending. - Insurers and plans: Small group and individual market plans would face an 85% minimum medical loss ratio for plan years beginning January 1, 2026. - Agents and brokers: New enforcement rules would allow civil penalties up to $200,000 per application and criminal penalties including fines or up to 10 years in prison for knowing and willful false enrollment information.

## Cosponsors (1)

- Rep. Riley, Josh [D-NY-19] (D-NY), 2026-03-09T00:00:00.000Z

## Provisions PRIA read

- Higher medical-loss rule for plans: benefit, low. If enacted, insurers selling small-group and individual market plans would have to spend at least 85% of premiums on medical care and quality improvement. That raises the minimum from 80% to 85%. The change would apply to plan years that begin on or after January 1, 2026. Small employers and people…
- Stronger penalties for marketplace brokers: mixed, medium. If enacted, agents and brokers who give false or fraudulent information on applications for marketplace health plans would face new civil and criminal penalties. Negligent or disregard-based errors would carry civil fines of $10,000 to $50,000 per affected application. Knowing and willful false inf…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-9211: Jewish American Security Act

## Sources
- [119-hr-7861 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7861)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-9211: Jewish American Security Act](https://policyrisk.com/legislation/119-hr-9211)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7861 (as of 2026-04-21).