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Health Insurance Affordability & Fraud Prevention Act

This act aims to make health insurance more affordable by extending and modifying tax credits. It also introduces new rules to prevent fraud in the insurance system and increases transparency for pharmacy benefit managers (PBMs). Additionally, it allows certain individuals with marketplace health plans to establish Health Savings Accounts (HSAs).
Key points
Extends health insurance premium tax credits for taxable years beginning before January 1, 2028.
Implements stricter civil and criminal penalties for agents and brokers providing false information and introduces enrollment verification mechanisms.
Increases transparency for pharmacy benefit managers (PBMs) by requiring them to pass through 100% of rebates and discounts to group health plans.
Allows individuals enrolled in certain marketplace health plans to establish Health Savings Accounts (HSAs).
Extends the annual open enrollment period for plan year 2026 (from November 1, 2025, to March 1, 2026).
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_6501
Sponsor: Rep. Fitzpatrick, Brian K. [R-PA-1]
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Summarized by: gemini-3-pro-preview
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Bipartisan Health Insurance Affordability Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_6501.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What are the main provisions?

Key points include:

  • Extends health insurance premium tax credits for taxable years beginning before January 1, 2028.
  • Implements stricter civil and criminal penalties for agents and brokers providing false information and introduces enrollment verification mechanisms.
  • Increases transparency for pharmacy benefit managers (PBMs) by requiring them to pass through 100% of rebates and discounts to group health plans.
  • Allows individuals enrolled in certain marketplace health plans to establish Health Savings Accounts (HSAs).
  • Extends the annual open enrollment period for plan year 2026 (from November 1, 2025, to March 1, 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. Fitzpatrick, Brian K. [R-PA-1].

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 2026-01-01.

CATEGORIES

Health Taxes