S. 3102 extends federal subsidies that help low- and middle-income Americans afford health insurance premiums. Specifically, the bill pushes back the expiration date of enhanced premium tax credits from January 1, 2026, to January 1, 2028, allowing these increased subsidies to remain in place for two additional years. The bill also extends the deadline for people to sign up for health insurance plans during open enrollment for plan year 2026 until January 15, 2026. These changes affect millions of Americans who use the Affordable Care Act marketplace to purchase health insurance, particularly those with household incomes up to 400% of the federal poverty line. The amendments take effect for tax years beginning after December 31, 2025, but no specific funding amount is mentioned in the legislation.
Take Action
Your position
Add a comment
to comment on this bill.
Annotate the text
Highlight any passage on the Summary or Full Text tab to attach a note. Annotations appear on the Annotations tab.