The ACA Marketplace Integrity Act would make two major changes to how people enroll in health insurance through the Affordable Care Act's marketplace. First, it would require individuals receiving federal premium tax credits to pay a minimum of at least $5 per month toward their insurance premiums, reducing the amount of government assistance they can receive. Second, it would strengthen enrollment verification by requiring government-issued photo identification from all enrollees over 18 years old and any additional documentation that federal health officials deem necessary. The bill also incorporates a June 2025 federal marketplace rule on integrity and affordability into law. These changes would primarily affect lower-income individuals purchasing insurance through the ACA marketplace who currently receive substantial premium subsidies.
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