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Extending Health Subsidies and Strengthening Consumer Protection Against Enrollment Fraud

This act extends and modifies the rules for health insurance premium tax credits for 2026 and 2027, increasing assistance amounts and maintaining subsidy access for higher-income individuals. It also introduces strict penalties and new verification procedures to protect citizens from fraud and unauthorized changes to health plans made by agents and brokers. Furthermore, the open enrollment period for 2026 is extended.
Key points
Enhanced health insurance subsidies (premium tax credits) are extended for taxable years beginning after December 31, 2025, and before January 1, 2028.
The income cap for receiving subsidies is modified to include households with income up to 935% of the poverty line, replacing the previous 400% limit.
Severe civil (up to $200,000) and criminal penalties (up to 10 years imprisonment) are established for agents and brokers who knowingly provide false or fraudulent information during health plan enrollment.
Beginning January 1, 2027, Exchanges must clearly notify individuals of the amount of their premium tax credit before they enroll in a health plan.
The open enrollment period for 2026 health plans is set to run from November 1, 2025, to May 15, 2026.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_6232
Sponsor: Rep. Suozzi, Thomas R. [D-NY-3]
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Summarized by: gemini-3-pro-preview
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

HOPE Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_6232.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What are the main provisions?

Key points include:

  • Enhanced health insurance subsidies (premium tax credits) are extended for taxable years beginning after December 31, 2025, and before January 1, 2028.
  • The income cap for receiving subsidies is modified to include households with income up to 935% of the poverty line, replacing the previous 400% limit.
  • Severe civil (up to $200,000) and criminal penalties (up to 10 years imprisonment) are established for agents and brokers who knowingly provide false or fraudulent information during health plan enrollment.
  • Beginning January 1, 2027, Exchanges must clearly notify individuals of the amount of their premium tax credit before they enroll in a health plan.
  • The open enrollment period for 2026 health plans is set to run from November 1, 2025, to May 15, 2026.
What is the specific legal status?

The current status is Introduced.

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

What is the latest detailed status?

The latest detailed status is: Introduced in House

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-31.

CATEGORIES

Health Taxes