S3391-119

Introduced

To amend the Internal Revenue Code of 1986 to extend and modify the enhanced premium tax credits, and for other purposes.

119th Congress Introduced Dec 9, 2025

Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.

Summary

What This Bill Does

The bill creates extends enhanced ACA premium tax credits through 2027, expands eligibility to 600% of federal poverty level after 2026, requires minimum $5 monthly premium payment, restricts eligibility to U.S and provides appropriates federal funding for ACA cost-sharing reduction payments starting in 2027 and restricts eligibility for cost-sharing reductions to U.S. citizens only, excluding lawfully present non-citizens who. It relies on definition changes, tax credits, and appropriations. The main policy areas are Healthcare and Finance.

Who Benefits and How

Health insurance companies offering ACA marketplace plans could gain revenue opportunities, U.S. citizens with incomes 400-600% of federal poverty level could see lower costs, and U.S. citizens receiving cost-sharing reductions could see lower costs.

Who Bears the Burden and How

Federal Treasury could face higher costs, Lawfully present non-citizens currently receiving premium tax credits could face higher costs, and Lawfully present non-citizens currently receiving cost-sharing reductions could face higher costs.

Key Provisions

  • Creates extends enhanced ACA premium tax credits through 2027, expands eligibility to 600% of federal poverty level after 2026, requires minimum $5 monthly premium payment, restricts eligibility to U.S.
  • Provides appropriates federal funding for ACA cost-sharing reduction payments starting in 2027 and restricts eligibility for cost-sharing reductions to U.S. citizens only, excluding lawfully present non-citizens who...

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.

At a Glance

What This Bill Does

The bill creates extends enhanced ACA premium tax credits through 2027, expands eligibility to 600% of federal poverty level after 2026, requires minimum $5 monthly premium payment, restricts eligibility to U.S and provides appropriates federal funding for ACA cost-sharing reduction payments starting in 2027 and restricts eligibility for cost-sharing reductions to U.S. citizens only, excluding lawfully present non-citizens who.

Key Policy Areas

Healthcare, Finance

Primary Purpose

The bill creates extends enhanced ACA premium tax credits through 2027, expands eligibility to 600% of federal poverty level after 2026, requires minimum $5 monthly premium payment, restricts eligibility to U.S and provides appropriates federal funding for ACA cost-sharing reduction payments starting in 2027 and restricts eligibility for cost-sharing reductions to U.S. citizens only, excluding lawfully present non-citizens who.

Policy Domains

Healthcare Finance

Section 1 - Short Title

Identified Gains
  • Health insurance companies offering ACA marketplace plans
  • U.S. citizens with incomes 400-600% of federal poverty level
  • U.S. citizens receiving cost-sharing reductions
  • U.S. citizen ACA marketplace enrollees under 400% FPL
Model: codex-gpt-5:bulk-repair | Version: bill_summary_v2 | Source: is
U.S. citizens receiving cost-sharing reductions:
U.S. citizen ACA marketplace enrollees under 400% FPL:
Health insurance companies offering ACA marketplace plans: ,
U.S. citizens with incomes 400-600% of federal poverty level:
Identified Costs
  • Federal Treasury
  • Lawfully present non-citizens currently receiving premium tax credits
  • Lawfully present non-citizens currently receiving cost-sharing reductions
  • Women seeking health insurance with abortion coverage
  • Health insurance companies offering plans with abortion coverage
Model: codex-gpt-5:bulk-repair | Version: bill_summary_v2 | Source: is
Federal Treasury: ,
Women seeking health insurance with abortion coverage:
Health insurance companies offering plans with abortion coverage:
Lawfully present non-citizens currently receiving premium tax credits:
Lawfully present non-citizens currently receiving cost-sharing reductions:

Legislative Progress

Introduced
Introduced Committee Passed
Dec 9, 2025

Mr. Husted introduced the following bill; which was read twice …

Stakeholder Effects

cui bono?

How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.

Consumers
6 mentions across 2 clauses
+3 positive -3 negative

Lawfully present non-citizens currently receiving cost-sharing reductions, Lawfully present non-citizens currently receiving premium tax credits, U.S. citizen ACA marketplace enrollees under 400% FPL

Positive-direction: U.S. citizen ACA marketplace enrollees under 400% FPL, U.S. citizens receiving cost-sharing reductions, U.S. citizens with incomes 400-600% of federal poverty level

Negative-direction: Lawfully present non-citizens currently receiving cost-sharing reductions, Lawfully present non-citizens currently receiving premium tax credits, Women seeking health insurance with abortion coverage

Financial Services
3 mentions across 2 clauses
+2 positive -1 negative

Health insurance companies offering ACA marketplace plans, Health insurance companies offering plans with abortion coverage

Positive-direction: Health insurance companies offering ACA marketplace plans

Negative-direction: Health insurance companies offering plans with abortion coverage

Government
2 mentions across 2 clauses
-2 negative

Federal Treasury

Healthcare
1 mention across 1 clause
-1 negative

Abortion providers and clinics

2/3
sections analyzed
Full impact breakdown

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Healthcare Finance
Domains
Healthcare Tax Policy Immigration Reproductive Rights
Actor Mappings
"the_secretary"
→ Secretary of the Treasury
Domains
Healthcare Tax Policy Immigration
Actor Mappings
"the_secretary"
→ Secretary of Health and Human Services

Key Definitions

Terms defined in this bill

2 terms
"qualified health plan (abortion exclusion)" §section_2_C

A plan that provides benefits or coverage for abortions shall not be treated as a qualified health plan, except for abortions where the life of the mother is endangered or pregnancy resulted from rape or incest

"applicable percentage" §36B(c)(1)(E)

The percentage of household income used to calculate required premium contribution, ranging from 0% to 16.5% based on income level relative to federal poverty line

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology