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[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[H.R. 10188 Introduced in House (IH)]
<DOC>
118th CONGRESS
2d Session
H. R. 10188
To expand cost-sharing reductions with respect to qualified health
plans offered through an Exchange, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
November 20, 2024
Ms. Schrier (for herself, Ms. Manning, and Ms. Sewell) introduced the
following bill; which was referred to the Committee on Energy and
Commerce, and in addition to the Committee on Ways and Means, for a
period to be subsequently determined by the Speaker, in each case for
consideration of such provisions as fall within the jurisdiction of the
committee concerned
_______________________________________________________________________
A BILL
To expand cost-sharing reductions with respect to qualified health
plans offered through an Exchange, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Capping Costs for Consumers Act of
2024''.
SEC. 2. EXPANDING COST-SHARING REDUCTIONS UNDER EXCHANGE PLANS.
(a) In General.--Section 1402 of the Patient Protection and
Affordable Care Act (42 U.S.C. 18071) is amended--
(1) in subsection (b)--
(A) in paragraph (1), by striking ``who enrolls''
and inserting ``subject to the last sentence of this
subsection, who enrolls''; and
(B) by adding at the end the following sentence:
``With respect to plan years beginning on or after
January 1, 2026, paragraph (1) shall be applied as if
the reference to the silver level of coverage were a
reference to the gold level of coverage.'';
(2) in subsection (c)(1)(B)(i)--
(A) in subclause (II), by striking ``an eligible
insured described in paragraph (2)(B)'' and inserting
``, with respect to plan years beginning before January
1, 2026, an eligible insured described in paragraph
(2)(B)(i) and, with respect to plan years beginning on
or after January 1, 2026, an eligible insured described
in paragraph (2)(B)(ii)''; and
(B) by amending subclauses (III) and (IV) to read
as follows:
``(III) with respect to plan years
beginning before January 1, 2026--
``(aa) 73 percent in the
case of an eligible insured
whose household income is more
than 200 percent but not more
than 250 percent of the poverty
line for a family of the size
involved; and
``(bb) 70 percent in the
case of an eligible insured
whose household income is more
than 250 percent but not more
than 400 percent of the poverty
line for a family of the size
involved; and
``(IV) with respect to plan years
beginning on or after January 1, 2026,
85 percent in the case of an eligible
insured described in paragraph
(2)(C)(ii).'';
(3) in subsection (c)(2), by amending subparagraphs (B) and
(C) to read as follows:
``(B) in the case of--
``(i) with respect to plan years beginning
before January 1, 2026, an eligible insured
whose household income is more than 150 percent
but not more than 200 percent of the poverty
line for a family of the size involved,
increase the plan's share of the total allowed
costs of benefits provided under the plan to 87
percent of such costs; and
``(ii) with respect to plan years beginning
on or after January 1, 2026, an eligible
insured whose household income is more than 150
percent but not more than 300 percent of the
poverty line for a family of the size involved,
increase the plan's share of the total allowed
costs of benefits provided under the plan to 87
percent of such costs; and
``(C) in the case of--
``(i) with respect to plan years beginning
before January 1, 2026, an eligible insured
whose household income is more than 200 percent
but not more than 250 percent of the poverty
line for a family of the size involved,
increase the plan's share of the total allowed
costs of benefits provided under the plan to 73
percent of such costs; and
``(ii) with respect to plan years beginning
on or after January 1, 2026, an eligible
insured whose household income is more than 300
percent but not more than 400 percent of the
poverty line for a family of the size involved,
increase the plan's share of the total allowed
costs of benefits provided under the plan to 85
percent of such costs.''; and
(4) by adding at the end the following new subsection:
``(h) Funding.--Out of any funds in the Treasury not otherwise
appropriated, there are appropriated to the Secretary such sums as may
be necessary for payments under this section.''.
(b) Conforming Amendments to State Basic Health Programs for
Certain Low-Income Individuals.--Section 1331(a)(2) of the Patient
Protection and Affordable Care Act (42 U.S.C. 18051(a)(2)) is amended--
(1) in subparagraph (A)(i), by striking ``the applicable
second lowest cost silver plan (as defined in section
36B(b)(3)(B) of the Internal Revenue Code of 1986)'' and
inserting ``, with respect to plan years beginning before
January 1, 2026, the applicable second lowest cost silver plan
(as defined in section 36B(b)(3)(B) of the Internal Revenue
Code of 1986) and, with respect to plans years beginning on or
after January 1, 2026, the applicable second lowest cost gold
plan (as defined in such section)''; and
(2) in the matter following subparagraph (B), by striking
``or the applicable second lowest cost silver plan'' and
inserting ``or, with respect to plan years beginning before
January 1, 2026, the applicable second lowest cost silver plan
(or, with respect to plan years beginning on or after January
1, 2026, the applicable second lowest cost gold plan''.
SEC. 3. PREMIUM ASSISTANCE CREDIT AMOUNT DETERMINED USING APPLICABLE
SECOND LOWEST COST GOLD PLAN.
(a) In General.--Section 36B of the Internal Revenue Code of 1986
is amended--
(1) by striking ``silver'' each place it appears and
inserting ``gold''; and
(2) in the header of subsection (b)(3)(B), by striking
``silver'' and inserting ``gold''.
(b) Effective Date.--The amendments made by this section shall
apply to taxable years beginning after December 31, 2025.
<all>
Introduced in House
Introduced in House
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Subcommittee on Health.
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