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Care Over Profits Act: Higher Healthcare Spending and Fraud Prevention

This bill requires insurance companies to spend a larger portion of your premiums on actual medical care rather than administrative costs and profits. It also introduces heavy fines and potential prison time for agents who submit fraudulent health insurance applications.
Key points
Insurance companies must now spend at least 85% of premium revenue on healthcare services (up from 80%), potentially leading to more rebates for consumers.
Insurance agents face fines between $10,000 and $50,000 for negligent errors on insurance enrollment applications.
Agents who knowingly provide false information face civil penalties of up to $200,000 per individual affected by the fraud.
Intentional enrollment fraud can now result in criminal penalties, including up to 10 years in prison.
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Status:
Introduced
CIVIC WILL RECORD
100% Supported 0% Opposed
1 VOTES RECORDED
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Additional Information
Care Over Profits Act of 2026
Print number: HR 7861
Sponsor: Rep. Barrett, Tom [R-MI-7]
Process start date: 2026-03-09
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-flash-latest
Source data: api.congress.gov
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Summary & Status

Key Questions about Care Over Profits Act: Higher Healthcare Spending and Fraud Prevention

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 7861.

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 2026-03-09.

What are the main provisions?

Key points include:

  • Insurance companies must now spend at least 85% of premium revenue on healthcare services (up from 80%), potentially leading to more rebates for consumers.
  • Insurance agents face fines between $10,000 and $50,000 for negligent errors on insurance enrollment applications.
  • Agents who knowingly provide false information face civil penalties of up to $200,000 per individual affected by the fraud.
  • Intentional enrollment fraud can now result in criminal penalties, including up to 10 years in prison.

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. Barrett, Tom [R-MI-7].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Energy and Commerce.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-03-26.

Analysis and Potential Impact of HR 7861

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 Courts and Law Economy