HOPE Act
Sponsored By: Representative Suozzi, Thomas R. [D-NY-3]
Introduced
Summary
Would extend and widen the premium tax credit for 2026–2027 so more households can qualify for subsidies, and it would tighten oversight, verification, and penalties for agents, brokers, and marketing groups in Exchanges.
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Bigger marketplace tax credits in 2026-2027
If enacted, for tax years 2026 and 2027 many marketplace buyers would get larger premium tax credits. Eligibility would extend up to 935% of the federal poverty line (beyond the usual 400%). Required premium shares would be 0% up to 150% FPL; 0–2% at 150–200%; 2–4% at 200–250%; 4–6% at 250–300%; 6–8.5% at 300–400%; 8.5% at 400–600%; 8.5–9% at 600–800%; and 9–9.35% at 800–935%. These rules would apply only for those two years.
Longer marketplace enrollment and subsidy notice
For plan year 2026, open enrollment would run from November 1, 2025 to May 15, 2026. Starting January 1, 2027, the marketplace would have to tell you your premium tax credit amount before you enroll, once it gets your advance decision. The Secretary would also check death records within 90 days and then every three months to remove deceased enrollees, to keep accounts accurate.
Stronger oversight of insurance agents
The bill would set new rules for agents and brokers who enroll people in marketplace plans. Starting no later than plan year 2029, the Secretary would audit, share fraud cases with states, and require consent proof and plain‑language notices to consumers. Commissions could be held until any application issues are fixed, and consumers would get ways to view and cancel changes. Bad actors could face civil penalties of $10,000–$50,000 per person for negligent wrong info, up to $200,000 for knowing fraud, and criminal penalties up to 10 years.
Sponsors & CoSponsors
Sponsor
Suozzi, Thomas R. [D-NY-3]
NY • D
Cosponsors
Rep. Bacon, Don [R-NE-2]
NE • R
Sponsored 11/20/2025
Rep. Gottheimer, Josh [D-NJ-5]
NJ • D
Sponsored 11/20/2025
Rep. Hurd, Jeff [R-CO-3]
CO • R
Sponsored 11/20/2025
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 12/15/2025
Liccardo
CA • D
Sponsored 12/15/2025
Rep. Fitzpatrick, Brian K. [R-PA-1]
PA • R
Sponsored 12/15/2025
Cuellar
TX • D
Sponsored 12/15/2025
Soto
FL • D
Sponsored 12/15/2025
Gonzalez, V.
TX • D
Sponsored 12/15/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov