The HOPE Act extends enhanced healthcare premium tax credits through 2027, significantly expanding eligibility by allowing individuals and families with household incomes up to 935% of the federal poverty line (compared to the current 400% limit) to receive assistance paying for health insurance premiums. The bill implements new fraud prevention measures effective by early 2029, including strict penalties for insurance agents and brokers who provide false enrollment information (ranging from $10,000 to $200,000 in civil fines to up to 10 years in prison), along with required safeguards such as documented consumer consent and regular audits of agent conduct. It also establishes oversight mechanisms requiring regular sharing of lists of suspended and terminated agents with insurance Exchanges, quarterly checks against the Death Master File to remove deceased individuals from coverage within 90 days, and stricter termination standards for agents engaging in violations. Additionally, the bill improves consumer transparency by requiring Exchanges to notify individuals of their tax credit amounts before enrollment (starting January 1, 2027) and extends the 2026 open enrollment period from November 2025 through May 2026—far longer than standard enrollment windows.