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Capping Costs for Consumers Act of 2026

This bill increases financial assistance for health insurance, significantly lowering out-of-pocket medical expenses for citizens. It makes high-quality 'gold' insurance plans more affordable for individuals and families with low to middle incomes.
Key points
Subsidies will now be based on 'gold' level plans instead of 'silver' plans, offering better overall coverage.
Insurance plans will cover a larger share of medical costs (up to 87%) for households earning up to 400% of the poverty level.
Monthly premiums will decrease due to a more generous calculation of health insurance tax credits.
The new rules and cost reductions are set to take effect starting January 1, 2028.
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Status: Introduced
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Additional Information
Print number: 119_HR_7164
Sponsor: Rep. Schrier, Kim [D-WA-8]
Process start date: 2026-01-20
System Note: Lustra is free, publicly auditable civic infrastructure — 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-flash-latest
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Capping Costs for Consumers Act of 2026

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_7164.

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 2026-01-20.

What are the main provisions?

Key points include:

  • Subsidies will now be based on 'gold' level plans instead of 'silver' plans, offering better overall coverage.
  • Insurance plans will cover a larger share of medical costs (up to 87%) for households earning up to 400% of the poverty level.
  • Monthly premiums will decrease due to a more generous calculation of health insurance tax credits.
  • The new rules and cost reductions are set to take effect starting January 1, 2028.
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. Schrier, Kim [D-WA-8].

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 2026-02-10.

What is the impact of this bill?

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.

CATEGORIES

Health Taxes Benefits