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119-hres-902119th CongressWALLET

Providing for consideration of the bill (H.R. 185) to advance responsible policies.

Sponsored By: Representative Suozzi, Thomas R. [D-NY-3]

Introduced

Summary

The Bipartisan HOPE Act would extend and reshape the premium tax credit, expanding eligibility up to 935% of the federal poverty line (FPL) to lower household premiums. It would also add strong enrollment integrity rules and tighter oversight of agents, brokers, and marketing organizations to protect consumers and Exchanges.

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  • Families and households would see the enhanced premium tax credit continued through 2027 with a new sliding table of premium caps, including 0.0% for the lowest incomes and rates rising to about 9.35% near the top of eligibility up to 935% of the federal poverty line.
  • Consumers would get clearer information and more time to enroll. Exchanges must disclose the premium tax credit amount before enrollment starting January 1, 2027, and the bill extends the 2026 open enrollment period from November 1, 2025 through May 15, 2026.
  • Agents, brokers, and marketers would face tougher penalties and criminal liability. The bill creates civil fines starting at $10,000 per affected person for negligent conduct and adds criminal penalties including imprisonment for knowingly fraudulent conduct.
  • Exchanges, States, and the Department of Health and Human Services would gain new tools: quarterly Death Master File checks to remove deceased enrollees, audits and suspension lists, and authority to regulate field marketing and third‑party marketing organizations.

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 3 benefits, 0 costs, 0 mixed.

More help for Marketplace premiums

If adopted, this resolution would temporarily expand the Premium Tax Credit for people who buy coverage on a Health Insurance Marketplace for tax years starting after Dec 31, 2025 and before Jan 1, 2028. You could qualify for the credit up to 935% of the federal poverty line. The bill would set temporary premium-share rules so households pay a fixed percent of income by income band: up to 150% FPL: 0%; 150–200%: 0–2%; 200–250%: 2–4%; 250–300%: 4–6%; 300–400%: 6–8.5%; 400–600%: 8.5%; 600–800%: 8.5–9.0%; 800–935%: 9.0–9.35%. These changes would lower the share of income many people must pay and expand who can get the credit for those years.

Longer open enrollment 2026

If adopted, this resolution would change the Health Insurance Marketplace open enrollment for plan year 2026. The open enrollment period would run from November 1, 2025 through May 15, 2026. This gives people more time to sign up or change plans for 2026 and may reduce gaps in coverage.

Tighter checks on Marketplace brokers

If adopted, this resolution would create stronger checks on agents, brokers, and third‑party marketing groups that enroll people in Marketplace plans. The Secretary would set verification, audit, and reporting rules for broker‑assisted enrollments, require documentation of enrollee consent, and prioritize continuity of coverage. Exchanges would have to notify people of premium tax credit amounts in some cases starting January 1, 2027, run quarterly death‑file checks, and report issuer terminations. The bill would also add civil penalties ($10,000–$50,000 for negligent errors; up to $200,000 for knowing violations) and criminal penalties (fines and up to 10 years in prison) for fraud by agents or brokers.

Sponsors & CoSponsors

Sponsor

Suozzi, Thomas R. [D-NY-3]

NY • D

Cosponsors

  • Rep. Bacon, Don [R-NE-2]

    NE • R

    Sponsored 11/20/2025

Roll Call Votes

No roll call votes available for this bill.

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