Bill · H.Res. 902· House(119-HRES-902)
Providing for consideration of the bill (H.R. 185) to advance responsible policies.
- Introduced
- 11/20/2025
- Last activity
- 11/20/2025 — Referred to the House Committee on Rules.
- Sponsored by
- Thomas Suozzi
- Cosponsors
- - 0 - 1
- Introduced
- In Committee
A House resolution is the House speaking for itself: stating a position, honouring someone, or setting its own rules. Adopting it is the whole process. Once the House agrees to it, it is officially the House's word; it is not a law, so the Senate and the President have no part in it.
What this bill would do
This bill, known as the HOPE Act, aims to extend and modify premium tax credits for qualified health plans. It updates the rules for premium assistance amounts for taxable years beginning after December 31, 2025, and before January 1, 2028. The legislation also increases the household income limit for certain premium tax credits. Additionally, it implements new guardrails to prevent fraud in health insurance exchanges by targeting agents and brokers. These measures include new civil and criminal penalties for those providing false information. Finally, the bill extends the annual open enrollment period for plan year 26.
Yes· 3 of 11
Does this give people more protection from unfair business practices?+7
The bill implements strict fraud prevention measures and verification processes to protect individuals during health insurance enrollment.
Would households on low incomes be better off under this?+6
The bill expands premium assistance for households with incomes up to 935 percent of the poverty line.
Does this strengthen the Affordable Care Act?+6
The bill extends and modifies premium tax credits and enhances fraud prevention within the ACA framework.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Premium Assistance: The bill modifies the rules for premium assistance amounts for taxable years between 2026 and 2028, providing specific premium percentages based on household income tiers (Section 2(a)).
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Expanded Credit Eligibility: The bill allows premium tax credits to be applied to taxpayers whose household income exceeds 400 percent of the poverty line, up to 935 percent (Section 2(b)).
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Fraud Prevention and Consumer Protections: New verification processes for enrollments help ensure that individuals have consented to changes in coverage (Section 3(a)(2)).
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Heightened Accountability for Professionals: The bill establishes civil penalties of up to $50,000 for agents or brokers who negligently provide incorrect information and penalties of up to $200,000 for those who knowingly provide false or fraudulent information (Section 3(a)(1)).
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Criminal Deterrents: Agents or brokers who knowingly and willfully provide false or fraudulent information as part of an enrollment application can face fines and up to 10 years in prison (Section 3(a)(1)).
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Protection of Coverage Continuity: The Secretary is required to ensure that the enrollment verification process prioritizes continuity of coverage and care, specifically by not disenrolling individuals without their consent (Section 3(a)(2)(C)).
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Improved Transparency: Exchanges must notify individuals of the amount of their premium tax credits prior to enrollment (Section 3(d)).
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Extended Enrollment Window: The annual open enrollment period for plan year 2026 is extended to run from November 1, 2025, through May 15, 2026 (Section 4).
Potential Negative Impacts for People
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Increased Penalties for Agents/Brokers: Agents and brokers face significant financial and legal risks, including civil penalties for negligence and potential imprisonment for willful fraud (Section 3(a)(1)).
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Strict Marketing Requirements: Marketing organizations and agents must meet specific criteria, including a standard of conduct to act in the best interests of the enrollee and requirements to submit marketing materials for review (Section 3(a)(3)).
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+6Good For Middle Class Households+5Good For People With Disabilities+2Good For Seniors+2
- Economy And Finance
- Improves Consumer Protection+7Reduces Middle Class Taxes+5Improves Economic Growth+2
- Governance And Ideology
- Improves Government Transparency+4Improves Privacy Rights+3
- Healthcare
- Increases Affordable Care Act Support+6
- Social Issues And Justice
- Improves Poverty Reduction+3
- 11/20/2025
- Submitted in House
- Referred to the House Committee on Rules.
- 1 Cosponsor added.
2 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