# 119-s-3368: Restoring Patient Protections and Affordability Act of 2025

119-s-3368, Restoring Patient Protections and Affordability Act of 2025, is a 119th Congress bill sponsored by Sen. Blunt Rochester, Lisa [D-DE] (D-DE); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-3368
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3368
- Congress: 119
- Title: Restoring Patient Protections and Affordability Act of 2025
- Status: introduced
- Introduced: 2025-12-04
- Sponsor: Sen. Blunt Rochester, Lisa [D-DE] (D-DE)
- Cosponsors: 8
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Expanded, longer-lasting premium subsidies and stronger enrollment protections.** The bill extends enhanced premium tax credits and tightens enrollment and notice rules while restoring navigator funding and adding new special enrollment paths. - Families and enrollees: Extends enhanced premium tax credits for higher-income households through 2029 and repeals the rule that disallowed credits for certain special enrollments for plan years beginning after Dec 31, 2025. - Exchanges and navigators: Extends the 2026 open enrollment period through May 1, 2026 and restores the Navigator program for State and Federal exchanges. The Secretary must obligate $100 million from issuer user fees for the Federal Exchange for fiscal year 2026. - Protections and enforcement: Requires issuers to send fast notices and reports, creates civil penalties of $1,000 per enrollee per day for notice or reporting failures, and adds consumer-friendly rules like a monthly special enrollment period for households expected to be at or below 150 percent of the poverty line and Bronze-to-Silver reenrollment options for 2026. *Includes a $100 million obligation from issuer user fees for the Federal Exchange for fiscal year 2026.*

## Cosponsors (8)

- Sen. Wyden, Ron [D-OR] (D-OR), 2025-12-04T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2025-12-04T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2025-12-04T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2025-12-04T00:00:00.000Z
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY), 2025-12-08T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-12-08T00:00:00.000Z
- Sen. Schumer, Charles E. [D-NY] (D-NY), 2025-12-16T00:00:00.000Z
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2026-01-29T00:00:00.000Z

## Provisions PRIA read

- More enrollment access and protections: benefit, medium. If enacted, Exchanges would get new ways to keep people covered and let more low-income people enroll. People with expected household income at or below 150% of the poverty line would get a special enrollment period once per month starting for plan years beginning January 1, 2026. Exchanges could r…
- More free navigator help funded: benefit, medium. If enacted, the federal Exchange would get $100,000,000 from issuer user fees for Navigator activities in fiscal year 2026. Those funds would remain available until spent. The bill would also bar navigators and navigator organizations from charging any fees or accepting payments from applicants or…
- Tighter Silver plan pricing rules: benefit, medium. If enacted, the bill would change how Exchanges and issuers measure plan value and allowed premium adjustments. For calendar year 2026 and later, the minimum premium adjustment percentage would be tied to the lower bound used in 2022 projections. For plan years beginning January 1, 2026, the allowe…
- Extended and capped premium tax credits: mixed, high. If enacted, the temporary higher premium tax credits would be extended through January 1, 2029 for tax years after December 31, 2025. The bill would also remove the special rule that sometimes denied credits for certain special enrollments starting with plan years after December 31, 2025. At the sa…
- Stronger insurer notices and penalties: mixed, high. If enacted, issuers that sold Exchange plans for 2025 or 2026 would have to notify enrollees about eligibility and enrollment changes. Notices for 2025 enrollees must go out within 15 days after enactment. Issuers would need to attest compliance within 90 days and HHS must submit a consolidated rep…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-3869: Healthy Families Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act

## Sources
- [119-s-3368 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3368)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-3869: Healthy Families Act](https://policyrisk.com/legislation/119-s-3869)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3368 (as of 2026-04-21).