This bill expands financial assistance for people buying health insurance through the Affordable Care Act's marketplace exchanges. Starting in 2026, the legislation shifts the baseline for calculating cost-sharing reductions from silver-level plans to gold-level plans, which have higher premiums but lower out-of-pocket costs when people use care. The bill also adjusts income thresholds so more middle-income families qualify for enhanced cost reductions, extending benefits to those earning up to 400 percent of the poverty line. Additionally, the legislation raises the percentage of healthcare costs that insurance plans must cover for eligible consumers, reducing what individuals have to pay out of pocket. The bill authorizes unlimited federal funding from the Treasury to pay for these expanded subsidies, with changes taking effect on January 1, 2026.
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