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Health Insurance Risk Sharing Program: Lower Premiums for Citizens

This bill establishes a new federal program aimed at lowering health insurance premiums in the individual market. The program will provide payments to health insurance companies for claims from individuals with high medical costs, which should result in lower insurance prices for everyone. Citizens can expect potential savings on their health insurance costs.
Key points
Establishment of a Federal Invisible Risk Sharing Program for health insurance.
Allocation of $15 billion for the program from 2022-2031, with potential for additional funding.
The program aims to lower health insurance premiums for individuals in the individual market.
Payments to insurers for claims from high-cost individuals.
States may take over program operation starting in 2024.
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Status:
Expired
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Additional Information
To amend the Public Health Service Act to establish a health insurance Federal Invisible Risk Sharing Program.
Print number: HR 317
Sponsor: Rep. Schweikert, David [R-AZ-6]
Process start date: 2021-01-13
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Health Insurance Risk Sharing Program: Lower Premiums for Citizens

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 317.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-01-13.

What are the main provisions?

Key points include:

  • Establishment of a Federal Invisible Risk Sharing Program for health insurance.
  • Allocation of $15 billion for the program from 2022-2031, with potential for additional funding.
  • The program aims to lower health insurance premiums for individuals in the individual market.
  • Payments to insurers for claims from high-cost individuals.
  • States may take over program operation starting in 2024.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Schweikert, David [R-AZ-6].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Health.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-27.

Analysis and Potential Impact of HR 317

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Health