Bill > S3368

This bill aims to improve patient protections and affordability under the Affordable Care Act (ACA) by implementing several key provisions across four main titles. In Title I (Consumer Protections), the bill extends temporary enhanced premium tax credits through 2029, allows for an extended open enrollment period for plan year 2026 through May 1st, restores funding for the Navigator program to help consumers understand and enroll in health insurance, and repeals a previous restriction on premium tax credits for certain special enrollment periods. Title II (Health Plan Accountability) establishes minimum notice requirements for health insurance issuers to inform enrollees about changes in premium assistance credits and open enrollment, mandates reporting to Congress about these notifications, and creates enforcement mechanisms with potential monetary penalties for non-compliance. Title III (Eliminating Red Tape) includes provisions to simplify the reenrollment process, protect against coverage denials during verification, and automatically reenroll individuals from bronze to silver-level health plans. Title IV (Market Stabilization) focuses on providing more marketplace flexibility, preventing health plan "gouging" by limiting actuarial value variations, protecting coverage continuity, protecting enrollees from surprise premium bills by capping potential increases, and preventing premium spikes in ACA and employer-sponsored health coverage. The bill would generally apply to plan years beginning in 2026 or later, with some provisions extending through 2029.

Budget and Finance

https://www.congress.gov/bill/119th-congress/senate-bill/3368/all-info