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Extending Enhanced Health Insurance Premium Tax Credits Until 2028.

This bill extends the temporary enhanced tax credits that help lower the cost of health insurance premiums purchased through the ACA marketplaces. Citizens, including those with higher incomes, will continue to benefit from reduced insurance costs for an additional two years, through the end of 2027. Furthermore, the open enrollment period for 2026 health plans is extended until January 15, 2026.
Key points
Lower Health Insurance Costs: Enhanced premium credits, which reduce monthly premiums, are extended until January 1, 2028.
Benefit for Higher Earners: Individuals whose income exceeds 400% of the federal poverty line remain eligible for these credits, preventing a cost increase for them.
Extended Enrollment Deadline: The open enrollment period for 2026 insurance plans is extended until January 15, 2026.
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Status: Introduced
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Additional Information
Print number: 119_S_3102
Sponsor: Sen. Welch, Peter [D-VT]
Process start date: 2025-11-04
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
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OFFICIAL LEGAL TITLE

A bill to amend the Internal Revenue Code of 1986 to extend the temporary enhanced premium credits, and for other purposes.

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_S_3102.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2025-11-04.

What are the main provisions?

Key points include:

  • Lower Health Insurance Costs: Enhanced premium credits, which reduce monthly premiums, are extended until January 1, 2028.
  • Benefit for Higher Earners: Individuals whose income exceeds 400% of the federal poverty line remain eligible for these credits, preventing a cost increase for them.
  • Extended Enrollment Deadline: The open enrollment period for 2026 insurance plans is extended until January 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 Sen. Welch, Peter [D-VT].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

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

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