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HR 7164·Federal·house

Capping Costs for Consumers Act of 2026

In CommitteeFiled Jan 20, 2026
Sponsor: Rep. Schrier, Kim [D-WA-8] (D)
Latest Action

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.

Jan 20, 2026

Summary

The legislation changes the Affordable Care Act so that cost‑sharing reductions, which lower out‑of‑pocket expenses, apply to gold‑level plans instead of only silver plans starting in 2028. It also raises the percentage of costs that plans must cover for families earning up to 400 % of the poverty line and updates premium subsidies to use the second‑lowest‑cost gold plan as a benchmark. The changes are funded from unallocated Treasury money.

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