Capping Costs for Consumers Act of 2026

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7164 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7164 To expand cost-sharing reductions with respect to qualified health plans offered through an Exchange, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES January 20, 2026 Ms. Schrier (for herself and Ms. Budzinski) 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 2026''. 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, 2028, 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, 2028, an eligible insured described in par