Bill · H.R. 6232· House(119-HR-6232)
HOPE Act
- Introduced
- 11/20/2025
- Last activity
- 11/20/2025 — Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Sponsored by
- Thomas Suozzi
- Cosponsors
- - 5 - 4
- Introduced
- In Committee
What this bill would do
This bill extends and modifies the enhanced premium tax credit under the Internal Revenue Code for taxable years beginning after December 31, 2025, and before January 1, 2028. It adjusts the income tiers and initial and final premium percentages used to calculate the credit and allows taxpayers whose household income exceeds 400 percent of the poverty line to qualify up to 935 percent. Additionally, the legislation adds guardrails to prevent fraud in health insurance exchanges by setting penalties for agents and brokers who provide incorrect or fraudulent information. It establishes a verification process for new enrollments and coverage changes assisted by agents or brokers, requires the removal of deceased individuals from exchange plans, and sets standards for terminating agents and brokers. Finally, the bill extends the annual open enrollment period for exchanges for the plan year 2026 to begin on November 1, 2025, and end on May 15, 2026.
Yes· 3 of 28
Does this strengthen the Affordable Care Act?+9
The legislation extends and modifies enhanced premium tax credits through 2027 and establishes important verification guardrails to prevent exchange fraud.
Would households on low incomes be better off under this?+8
Low-income households continue to receive maximum premium assistance and enhanced consumer protections under health exchanges.
Would middle-income households be better off under this?+8
Middle-class households benefit directly from the extension of enhanced tax credits and expanded income tier eligibility.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Extended Tax Credits: Section 2 extends and modifies the enhanced premium tax credits through 2027, allowing middle- and lower-income households and those earning up to 935 percent of the poverty line to continue receiving financial assistance for their health insurance premiums.
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Fraud Protection and Consumer Safeguards: Section 3(a) institutes strict civil and criminal penalties for agents and brokers who provide false information, establishes clear consumer protections like requiring direct consent and timely notices, and creates a verification process to protect individuals from unauthorized enrollment changes.
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Removal of Deceased Individuals: Section 3(b) requires the Secretary to check the Death Master File quarterly and terminate the exchange plan enrollments of deceased individuals, which helps keep records accurate and prevents fraudulent activity.
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Value Notification: Section 3(d) requires exchanges to clearly notify individuals of the exact amount of their premium tax credit before they enroll in a qualified health plan, ensuring people know the financial value of their benefits.
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Extended Enrollment Period: Section 4 extends the annual open enrollment period for the 2026 plan year to run from November 1, 2025, through May 15, 2026, giving people more time to sign up for health coverage.
Potential Negative Impacts for People
- Stricter Commission Delays: Section 3(a)(2)(B) specifies that commissions due to brokers or agents for new enrollments will only be paid after the enrollee resolves all eligibility inconsistencies, which could cause administrative burdens or payment delays for compliant agents assisting the public.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+8Good For Middle Class Households+8Good For Children+6Good For Middle Aged+6Good For Retirees+6Good For Seniors+6Good For Women+6Good For Young Adults+6Good For African Americans+5Good For Asian Americans+5Good For Hispanic Americans+5Good For Immigrants+5Good For Men+5Good For Native Americans+5Good For People With Disabilities+5Good For Rural Residents+5Good For Students+5Good For Urban Residents+5Good For White Americans+5Good For High Income Households+4
- Healthcare
- Increases Affordable Care Act Support+9Improves Healthcare Access+8Reduces Private Insurance Premiums+8
- Governance And Ideology
- Improves Government Transparency+7Improves Privacy Rights+5Increases Federal Power+3
- Economy And Finance
- Improves Consumer Protection+8
- Social Issues And Justice
- Improves Poverty Reduction+5
- 12/15/2025
- 6 Cosponsors added.
- 11/20/2025
- Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 3 Cosponsors added.
- Introduced in House
3 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Don BaconRepublican · Nebraska
Henry CuellarDemocrat · Texas
Brian FitzpatrickRepublican · Pennsylvania
Vicente GonzalezDemocrat · Texas
Josh GottheimerDemocrat · New Jersey
Jeff HurdRepublican · Colorado
Michael LawlerRepublican · New York
Sam LiccardoDemocrat · California
Darren SotoDemocrat · Florida