Insurance

Carriers, agents, and brokers across property, health, life, and specialty lines. Coverage mandates, federal backstops, solvency and disclosure rules, and program reauthorizations reach the policy.

Measures whose provisions reach this industry directly, verified against the bill text. Measures written for this industry lead the list, then measures that plainly change how it operates; within each, the likeliest to become law come first. Measures that have become law or failed are removed. Measures written to all of Finance & Insurance are included and marked Sector-wide.

Measures that reach Insurance directly

S 4395 US Senate Last action
October 5, 2026 BenefitFair chance of law

Terrorism Risk Insurance Program Reauthorization Act of 2026

David McCormick (Republican) · Sponsor of record · Official record ↗

What it does: The bill would extend the federal terrorism risk insurance program, which backs up private insurers after certified terrorism losses, for seven more years by pushing its termination date from 2027 to 2034. It would also delay the dates when the federal government must recoup payments from insurers under the program, moving them several years later, such as from 2022 to 2029 and from 2024 to 2031. This bill extends the federal terrorism risk insurance backstop through 2034 and delays recoupment deadlines, letting insurance carriers keep federal loss-sharing protection and repay charges over a longer period.
Where it stands: The Senate passed S4395 without amendment by unanimous consent on September 28, 2026, and the bill was messaged to the House, where it has been held at the desk since October 5, 2026. It is no longer before the Senate; everything now depends on what the House does with the Senate-passed text.

HR 10234 US House Last action
September 16, 2026 BenefitLong shotNew text pending

CLEAR Forms Act

Zachary Nunn (Republican) · Sponsor of record · Official record ↗

What it does: The bill would direct the Securities and Exchange Commission to propose, within 12 months of enactment, and finalize, within 30 months of enactment, new tailored registration forms for registered index-linked life insurance, contingent deferred annuities, and other registered non-variable insurance contracts, with investor testing required for contingent deferred annuities and disclosures for the issuing insurer capped at what existing forms request. If the Commission misses that 30-month deadline, these contracts could instead be registered on the existing Securities Act forms, and nothing in the bill would override state insurance law. This bill directs the SEC to create dedicated registration forms for life insurers issuing registered index-linked life insurance and contingent deferred annuities, capping required disclosures and preserving their existing registration exemption.
Where it stands: The House Committee on Financial Services held a markup on the CLEAR Forms Act on September 16, 2026 and ordered the bill reported as amended by a vote of 42 to 7, following its referral to the committee on September 2, 2026; no written report has been filed and no calendar placement appears on the record.

HR 7128 US House Last action
July 13, 2026 BenefitLong shot

TRIA Program Reauthorization Act of 2026

Mike Flood (Republican) · Sponsor of record · Official record ↗

What it does: The bill would extend the federal terrorism risk insurance backstop through 2034 instead of letting it lapse in 2027, and it would set new deadlines for the Treasury Secretary's certification decisions, requiring public notice within 30 days of starting a review and a final decision within 90 days, with an extension of up to 365 days after the attack if information is lacking. It would also double the loss threshold for certifying an act of terrorism from $5 million to $10 million for attacks occurring in 2029 or later, and would require an annual public report listing each act reviewed for certification and why a final determination was or was not issued. This bill extends the federal terrorism insurance backstop to 2034, letting property and casualty carriers that write terrorism coverage keep federal payment support after large attacks, and raises the certification threshold to $10 million in 2029, reducing their payout liability.
Where it stands: The House passed the bill on June 29, 2026 under suspension of the rules, as amended, by a 373 to 15 vote, and the Senate received it on July 13, 2026 and referred it to the Committee on Banking, Housing, and Urban Affairs. It is no longer before the House; it is now pending in the Senate, which must pass the same text before anything can go to the President.

HR 9228 US House Last action
September 15, 2026 BurdenLong shot

Health DATA Act of 2026

Robert F. Onder, Jr. (Republican) · Sponsor of record · Official record ↗

What it does: The bill would require contracts between ERISA group health plans and their service providers, including insurers, third party administrators, and pharmacy benefit managers, to give plan fiduciaries full and rapid access to claims, encounter, pricing, and fee data, with limits on delays beyond 15 days, standard electronic formats at no cost to the plan, and contracts with restricting clauses void as against public policy. It would also impose a civil penalty of up to $10,000 per day for violations, bar service providers from being indemnified for such penalties, require plans to file their own annual compliance attestations rather than delegating them to service providers, and apply the rules to plan years starting one year after enactment. This bill requires health insurers, TPAs, and PBMs serving group health plans to turn over full claims and pricing data within 15 days, lose restrictive contract clauses, face daily civil penalties they cannot be indemnified for, and file annual compliance attestations.
Where it stands: HR 9228 was ordered reported at a markup by the House Committee on Education and Workforce on June 25, 2026, and the written report was filed and the bill placed on the Union Calendar (Calendar No. 724) on September 15, 2026. Calendar placement conveys eligibility only; it schedules nothing, and the Speaker and majority leadership decide whether and when the bill reaches the floor.

HR 9644 US House Last action
July 15, 2026 BurdenLong shot

Medicare Advantage MLR Transparency Act

Nathaniel Moran (Republican) · Sponsor of record · Official record ↗

What it does: The bill would require Medicare Advantage plans, starting with plan years in 2029, to publish in a consumer-friendly format how much of their revenue goes to claims versus overhead, and would require them to report plan-level data on supplemental benefits, including utilization and payments, that the Centers for Medicare & Medicaid Services would release in a public use data file beginning in 2030. It would also require Medicare Advantage encounter data beginning in 2029 to include allowed amounts, cost sharing, and indicators of whether in-home health risk assessments came from entities affiliated with the plan, and it would require electronic benefit information to use the same uniform format that applies to group health plans and insurers. This bill requires Medicare Advantage insurers to publicly report overhead and claims spending, submit plan-level supplemental benefits data, add cost and affiliation details to encounter data, and conform their electronic benefit information to a uniform format.
Where it stands: The House referred HR9644 on July 13, 2026 to the Committee on Ways and Means and, in addition, to the Committee on Energy and Commerce, with the referral period to be subsequently determined by the Speaker. On July 15, 2026 the Committee on Ways and Means held a markup and ordered the bill reported in the nature of a substitute by a vote of 42 to 0, and the Committee on Energy and Commerce has taken no action that is on the record.

HR 9645 US House Last action
July 15, 2026 MixedLong shot

Health Care Price Certainty for All Americans Act

Jason Smith (Republican) · Sponsor of record · Official record ↗

What it does: This bill would create a sweeping health care price transparency regime, requiring hospitals, clinical diagnostic labs, imaging providers, ambulatory surgical centers, health insurers, and group health plans to publicly disclose their prices, negotiated rates, and cost-sharing details in standard formats, with daily fines and large penalties for those that do not comply. It would also stop health plans, insurers, and pharmacy benefit managers from punishing pharmacies that tell patients when the insured price is higher than the cash price, require large Medicare Advantage and drug plan sponsors to report their ownership of providers, pharmacies, and benefit managers, and provide funding to carry the rules out. This bill requires health insurers and group health plans to publicly disclose negotiated rates and cost-sharing, submit signed accuracy attestations, fund disclosure tools, and bars them and their pharmacy benefit managers from penalizing pharmacies that tell patients when cash prices are lower.
Where it stands: Referred on July 13, 2026 to Energy and Commerce, Ways and Means, and Education and Workforce, the bill was taken up at a Ways and Means markup on July 15, 2026, where the committee voted 25 to 15 to order it reported in the nature of a substitute. Energy and Commerce and Education and Workforce have not yet acted on their referrals.

HR 9393 US House Last action
July 21, 2026 MixedLong shotNew text pending

Lower Costs, More Transparency Act of 2026

Brett Guthrie (Republican) · Sponsor of record · Official record ↗

What it does: This proposal would impose sweeping price transparency rules across the health care system starting in 2028, requiring hospitals and ambulatory surgical centers to publish standard charges and negotiated prices, requiring laboratories and imaging providers to disclose discounted cash prices or gross charges, and requiring health plans, insurers, and pharmacy benefit managers to disclose rates, cost-sharing, spread pricing, rebates, and prior authorization data, all backed by escalating daily fines and public enforcement reporting. It would also lower drug prices by deeming approved biosimilars interchangeable and curbing delay-tactic citizen petitions, speed review of certain over-the-counter drugs, and send new federal funding to community health centers for behavioral health and nutrition services. This bill requires health insurance issuers, group plans, Medicare Advantage organizations, and pharmacy benefit managers to publish rates, cost-sharing tools, prior authorization data, and service-provider pricing information, with daily fines for noncompliance, while insurers receive free rebate and pricing disclosures from their contractors.
Where it stands: On July 21, 2026, the House Committee on Energy and Commerce, in a markup following earlier markups on June 25 and July 20, voted by a tally of 45 to 0 to order the bill reported in the nature of a substitute. The record shows no written report filed and no House calendar placement, and the Committees on Ways and Means and Education and Workforce, which also received the bill on referral on June 23, 2026, show no action in the record.

HR 6703 US House Last action
December 18, 2025 MixedLong shot

Lower Health Care Premiums for All Americans Act

Mariannette Miller-Meeks (Republican) · Sponsor of record · Official record ↗

What it does: The bill would allow employer groups to form association health plans across industries, exclude certain medical stop-loss policies from health insurance definitions, and establish rules for health reimbursement arrangements. It would also require pharmacy benefit managers to submit frequent pricing reports with penalties for noncompliance and provide open-ended federal funding for cost-sharing reduction payments starting in 2027. This bill lets insurers offer association health plans and stop-loss coverage under new federal rules, requires health insurance issuers and their pharmacy benefit managers to file pricing reports, and funds cost-sharing payments to health plans starting in 2027.
Where it stands: H.R. 6703 passed the House on December 17, 2025, and was received in the Senate on December 18, 2025. The measure is currently pending in the Senate, where it must pass identical text before it can proceed to the President.

HR 10788 US House Last action
October 9, 2026 MixedLong shot

Lower Premiums, Faster Payments Act

Frank Pallone, Jr. (Democrat) · Sponsor of record · Official record ↗

What it does: This bill would end the independent dispute resolution process used to settle out-of-network payment disputes for services furnished on or after January 1, 2028, including for air ambulance services, and instead automatically pay those out-of-network claims at the qualifying payment amount. It would redefine the qualifying payment amount for 2028 and later as the median of a plan's contracted rates as of January 31, 2019, adjusted upward each year by inflation, and would direct federal agencies to update the payment methodology within 180 days, bar courts from reviewing that methodology, require annual audits of claims data with findings made public starting in 2028, and set notice deadlines of 30 days after a provider sends a bill for services paid at the qualifying payment amount. This bill directly affects health insurance carriers and group health plans by ending independent dispute resolution for out-of-network claims starting in 2028, paying those claims automatically at the qualifying payment amount, and subjecting them to annual public claims-data audits covering at least 25 plans and issuers.
Where it stands: HR10788 was referred on October 9, 2026 to the House Committees on Energy and Commerce, Education and Workforce, and Ways and Means, for a period to be subsequently determined by the Speaker. No hearing or markup has been noticed, and no meetings are scheduled in our calendar data.

S 4189 US Senate Last action
August 7, 2026 BurdenLong shot

INSULIN Act of 2026

Jeanne Shaheen (Democrat) · Sponsor of record · Official record ↗

What it does: The bill caps out-of-pocket insulin costs at $35 per 30-day supply in group and individual health plans starting in 2027 and requires pharmacy benefit managers to pass through 100 percent of insulin rebates to plans. It authorizes $100 million for a five-year pilot program in ten states to provide affordable insulin to uninsured individuals and establishes an expedited FDA review process for biosimilars facing inadequate competition. This bill requires health insurance carriers to cover selected insulin products with a $35 per 30-day out-of-pocket cap starting in 2027, and requires PBMs and third-party administrators to pass 100 percent of insulin rebates to plans.
Where it stands: The INSULIN Act of 2026 was reported by the Senate Committee on Health, Education, Labor, and Pensions following a markup on July 22, 2026, and is placed on the Senate Legislative Calendar under General Orders as Calendar No. 552. The committee reported the measure without a written report on August 8, 2026, meaning the bill is currently awaiting floor action.

HR 10725 US House Last action
October 5, 2026 BurdenLong shot

GAP Act

Sharice Davids (Democrat) · Sponsor of record · Official record ↗

What it does: Starting in 2028, the bill would require insurers that sell Medicare supplemental (Medigap) policies to hold an annual enrollment period, timed to match Medicare's existing fall election period, during which they must sell any of their policies to eligible beneficiaries without denying coverage, imposing waiting conditions, or charging higher prices because of a person's health status, claims history, or medical condition. Within 30 days of enactment, the Department of Health and Human Services would also have to update the Medicare & You and Welcome to Medicare notices to explain this new enrollment right. This bill requires insurers that sell Medigap policies to hold an annual enrollment period each year beginning in 2028, during which they must sell any policy to eligible beneficiaries without denying coverage, imposing waiting periods, or charging higher prices based on health status.
Where it stands: HR10725 was referred on October 5, 2026 to the House Committee on Ways and Means and, in addition, to the House Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker. The bill is now before two committees, and nothing further, such as a hearing, a markup, or any floor listing, has occurred.

HR 10730 US House Last action
October 5, 2026 BurdenLong shot

Healthy Communities Act of 2026

Sharice Davids (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would expand Affordable Care Act premium tax credits by lifting the 400 percent of poverty income cap, setting a new premium contribution scale that tops out at 8.5 percent of income even for higher earners, and giving people in states that have not expanded Medicaid a subsidy calculated as if they earned 100 percent of the poverty line with zero premium contribution. It would also temporarily extend enhanced federal Medicaid payments to non expansion states, repeal several health provisions of Public Law 119-21, fix the annual open enrollment window as November 1 through January 15, and crack down on enrollment fraud by imposing civil fines of up to $50,000 for negligent errors, up to $200,000 for knowing violations, and criminal penalties of up to 10 years in prison on agents and brokers, while requiring identity verification, marketing organization registration, audits, death record checks, and notification of tax credit amounts before enrollment. This bill expands premium tax credits that bring more subsidized customers to health insurers on the exchanges, while imposing new civil and criminal penalties, verification duties, audits, and delayed commissions on agents, brokers, and marketing organizations who enroll them.
Where it stands: The Healthy Communities Act of 2026 was referred on October 5, 2026 to the House Committee on Energy and Commerce and, in addition, to the House Committee on Ways and Means for the provisions within each committee's jurisdiction, with neither panel established as the primary one, so both chairs should be treated as gatekeepers. The bill is active, but committee action has not yet begun.

HR 10747 US House Last action
October 5, 2026 BenefitLong shot

Puerto Rico Medicare Advantage Fairness Act of 2026

Raul Ruiz (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require Medicare Advantage payment rates for areas in Puerto Rico to use the same geographic cost adjustment that is applied to MA payment areas in the U.S. Virgin Islands, for each year beginning on or after January 1, 2027, which would likely raise those federal benchmark payments. This bill directly benefits Medicare Advantage insurance carriers operating in Puerto Rico by raising their payment benchmarks starting in 2027 to match the U.S. Virgin Islands adjustment, increasing federal payments to those plans.
Where it stands: HR 10747 was referred on October 5, 2026 to the House Committee on Ways and Means, with an additional referral to the Committee on Energy and Commerce, for the provisions within each committee's jurisdiction, with the period for each referral to be determined by the Speaker. The bill is at the very start of the committee stage, where a referral commits neither committee to any action.

HR 10692 US House Last action
October 1, 2026 BenefitLong shot

Restoring Essential Plan Coverage Act

Alexandria Ocasio-Cortez (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would repeal a recently enacted provision that blocked premium tax credits for lawfully present immigrants, restoring their access to those subsidies under the Affordable Care Act. It would also let lawfully present immigrants who cannot get Medicaid because of their immigration status count as having income at the poverty line for credit purposes, and would let states raise the income cap for their basic health programs from 200 percent up to 250 percent of the poverty line starting in 2027. This bill restores premium tax credits for lawfully present immigrants and lets states raise Basic Health Program income limits to 250 percent of poverty, gaining health insurers subsidized marketplace and Basic Health Program enrollees.
Where it stands: HR 10692, the Restoring Essential Plan Coverage Act, was referred on October 1, 2026 to the House Committee on Ways and Means, with an additional referral to the House Committee on Energy and Commerce for provisions within its jurisdiction, with the period for each committee's consideration to be determined by the Speaker. No meetings are currently scheduled in our calendar data, and the bill now sits with two committees whose chairs are gatekeepers, though leadership action, suspension, a special rule, or discharge could still provide another path.

HR 10549 US House Last action
September 24, 2026 BurdenLong shot

Patients Choice in Specialty Pharmacy Act

Neal P. Dunn (Republican) · Sponsor of record · Official record ↗

What it does: The bill would bar group health plans other than self-insured plans and health insurers from steering enrollees to specialty pharmacies that the plan or its pharmacy benefit manager owns or controls, including through higher copays, financial incentives, or administrative penalties for using an independent pharmacy. It would also require those plans and insurers to contract with any licensed specialty pharmacy willing to accept uniform network terms and the same reimbursement rates, unless the pharmacy has a fraud or abuse record, is barred from Medicare or a state health program, or poses an imminent patient safety risk, with the rules applying to plan years starting on or after January 1, 2029. This bill bars health insurers offering group or individual coverage, insured group health plans, and PBMs that own specialty pharmacies from steering enrollees to those pharmacies and requires them to contract with qualifying independent specialty pharmacies on uniform terms.
Where it stands: HR10549 was referred to the House Committee on Energy and Commerce on September 24, 2026. No hearing or markup is currently scheduled in our calendar data.

HR 10597 US House Last action
September 24, 2026 BurdenLong shot

Affordability is Access Act of 2026

Ayanna Pressley (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would direct the Secretaries of Health and Human Services, Labor, and the Treasury to clarify that group health plans and group or individual insurance must cover all Food and Drug Administration-approved over-the-counter contraceptives with no cost-sharing and without requiring a prescription, while covering only one contraceptive among therapeutically equivalent prescription drug versions. It would also bar retailers that stock over-the-counter contraception from interfering with a customer's access to the product or to medically accurate information about it, while letting those retailers refuse to provide the product to someone who cannot pay for it directly, through insurance, or through another payment mechanism. This bill requires health insurers and group health plans to cover FDA-approved over-the-counter contraceptives with no cost sharing, and to cover prescription contraceptives, paying for only one drug among therapeutically equivalent options.
Where it stands: HR10597 was referred on September 24, 2026 to three House committees, Energy and Commerce and, in addition, Education and Workforce and Ways and Means, for consideration of provisions within each panel's jurisdiction, with the period of referral to be subsequently determined by the Speaker. No hearing, markup, or further action appears in the record, so the bill sits at the earliest committee stage.

S 5496 US Senate Last action
September 24, 2026 BurdenLong shot

Health CARE Act of 2026

Mark R. Warner (Democrat) · Sponsor of record · Official record ↗

What it does: This proposal would repeal most health provisions of the 2025 reconciliation law and then make sweeping changes to the health system, including permanently expanding Affordable Care Act premium tax credits beyond the current income cap, creating a low-cost public health plan option through the Exchanges, and boosting federal Medicaid matching funds. It would also cap yearly out-of-pocket and insulin costs for people with health plans, add Medicare coverage for hearing aids and audiology services, extend Medicare drug price negotiation and inflation rebates into the commercial insurance market, ban abusive spread pricing by pharmacy benefit managers in Medicaid, and impose new price and billing transparency requirements on hospitals, labs, imaging centers, health plans, and providers, backed by daily penalties for noncompliance. This bill directly burdens health insurers and group plans with cost-sharing caps, essential benefits, public rate disclosure, prior authorization and claims reporting duties, and it bans PBM spread pricing while penalizing TPAs up to $100,000 daily.
Where it stands: The Health CARE Act of 2026 was read twice and referred to the Committee on Finance on September 24, 2026. It is now at the committee stage, the first and most common choke point in the Senate, where most bills never advance to a markup.

S 5554 US Senate Last action
September 24, 2026 BurdenLong shot

Ovarian Cancer IMPACT Act

Elissa Slotkin (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would expand the federal ovarian cancer public awareness campaign to cover hereditary cancer syndromes and genetic counseling and testing, and would create a new grant program for demonstration projects on ovarian cancer outreach, with $20 million authorized for each fiscal year 2027 through 2031, giving preference to applicants serving rural, medically underserved, or high-risk populations. It would also require group health plans and health insurance issuers, including grandfathered plans, starting with plan years beginning at least one year after enactment, to cover genetic counseling, multi-gene panel and related genetic testing, tumor genomic profiling, and evidence-based risk-reducing interventions for enrollees with ovarian or endometrial cancer or a family history indicating hereditary ovarian cancer risk. This bill requires health insurers and group health plans, including grandfathered plans, to cover genetic counseling, genetic testing, tumor genomic profiling, and risk-reducing care for enrollees facing ovarian cancer risk, raising claims costs for carriers.
Where it stands: The Ovarian Cancer IMPACT Act (S. 5554) was read twice and referred to the Senate Committee on Health, Education, Labor, and Pensions on September 24, 2026. It now sits at the committee stage, the first and most common choke point in the Senate, where most bills never get a markup.

S 5539 US Senate Last action
September 24, 2026 BurdenLong shot

Affordability is Access Act of 2026

Patty Murray (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require group health plans and health insurers, both group and individual, to cover all FDA-approved over-the-counter contraceptives without cost-sharing and without requiring a prescription, and to cover prescription contraceptives with the limit that only one therapeutically equivalent version of any given drug needs to be covered. It would also bar retailers that stock over-the-counter contraception from interfering with a customer's access to it or to medically accurate information about it, while allowing a retailer to refuse a sale to someone who cannot pay. This bill makes health insurers and group health plans cover FDA-approved over-the-counter contraceptives without cost-sharing or a prescription, and limits required prescription coverage to one therapeutically equivalent drug, adding coverage costs for carriers.
Where it stands: S5539 was read twice and referred to the Senate Committee on Health, Education, Labor, and Pensions on September 24, 2026, and no further action is on record. It is at the committee stage, the most common choke point in the Senate, where most bills never reach a markup.

HR 10521 US House Last action
September 21, 2026 BenefitLong shot

MA STARS Act

Mike Kelly (Republican) · Sponsor of record · Official record ↗

What it does: The bill would require the Secretary of Health and Human Services to rewrite the Medicare Advantage 5-star rating rules so that, starting with the 2031 contract year, star rating calculations exclude measures that are not tied to clinical quality, patient outcomes, or patient experience, are not fairly attributable to the plan and its delegated entities, come from surveys with more than 10 questions or unrepresentative responses, or no longer meaningfully differentiate plans, with only this last group moved to publicly reported display-only status. It would also require the Secretary to create two technical expert panels, one to recommend statistically sound beneficiary survey instruments and one to review the rating and cut point methodology, and to publish an annual report listing each excluded measure and the reason for exclusion. This bill changes how Medicare Advantage health insurance plans are star rated, requiring HHS to drop measures not tied to clinical quality or plan actions, which will raise or lower bonuses for affected carriers.
Where it stands: HR10521, the MA STARS Act, was referred on September 21, 2026 to the House Committee on Ways and Means and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker. No meetings are scheduled in either committee's calendar data, and the referral itself commits no committee to any action.

HR 10471 US House Last action
September 16, 2026 BenefitLong shot

CLAIM Act

Nydia M. Velázquez (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would bar federal agencies from penalizing, discouraging, or taking supervisory action against insurers that provide insurance to cannabis-related legitimate businesses operating under state or tribal law, and would shield insurers and their officers, directors, and employees from federal liability for providing or investing in that insurance; it would also bar adverse action on policies held by cannabis businesses, their employees, and the landlords and equipment lessors who lease to them. It would also require the Comptroller General to study and report to Congress on barriers to marketplace entry and access to financial services for minority-owned and women-owned cannabis businesses. This bill bars federal agencies from penalizing insurers for doing insurance business and shields insurers from federal liability for covering cannabis-related legitimate businesses.
Where it stands: HR10471, the CLAIM Act, was referred to the House Committee on Financial Services on September 16, 2026 and sits at the start of the committee stage. No hearing or markup is scheduled in the available calendar data, and under House practice the Financial Services chair decides whether a hearing or markup is ever noticed.

HR 10394 US House Last action
September 15, 2026 BurdenLong shot

Protecting Approved Care Act

Greg Landsman (Democrat) · Sponsor of record · Official record ↗

What it does: Starting with plan years on or after January 1, 2028, the bill would bar Medicare Advantage plans from denying coverage of a covered item or service on medical necessity grounds, reopening the coverage or payment decision for reasons other than good cause or fraud, or re-coding a claim to cut payment, once the plan has approved the service through a prior, concurrent, or transfer authorization or where no specified authorization was required. It defines a specified authorization to include prior authorizations, preservice and concurrent determinations made while care is being delivered, and authorizations for transfers between hospitals or from a hospital to a post-acute care facility. This bill restricts Medicare Advantage insurers by barring approved MA organizations from denying coverage after approval, directly limiting the plan actions health insurers may take.
Where it stands: On September 15, 2026, the bill was referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, so it now sits with both committees pending any action.

HR 10240 US House Last action
September 10, 2026 BurdenLong shot

Behavioral Health Crisis Services Expansion Act of 2026

Jennifer L. McClellan (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would require Medicare, Medicaid, CHIP, TRICARE, VA reimbursement, federal employee health plans, and private group and individual health insurance to cover mental health and substance use crisis response services, including mobile crisis teams, crisis receiving and stabilization facilities, and mental health urgent care facilities, with the new coverage generally starting 3 years after enactment. It would also set Medicare payment for those services at 80 percent of the lesser of the actual charge or a new payment basis set by the Secretary, and require coverage of ambulance transport of people in crisis to appropriate crisis facilities. This bill requires health insurance issuers offering group and individual coverage, along with group health plans, to cover behavioral health crisis response services, adding a mandatory benefit that raises carriers' coverage obligations and costs.
Where it stands: The bill was referred on September 3, 2026 to six committees: Energy and Commerce, Ways and Means, Armed Services, Veterans' Affairs, Oversight and Government Reform, and Education and Workforce. On September 10, 2026 it was referred to the Subcommittee on Health, and no hearing or markup has been noticed.

HR 10254 US House Last action
September 3, 2026 BurdenLong shot

MORE Savings Act

Madeleine Dean (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would eliminate copays, coinsurance, and deductibles for opioid addiction treatments, including medications, overdose reversal drugs, behavioral health care in licensed residential facilities, and recovery support services like peer counseling and transportation, both for Medicare beneficiaries in a 15-state test program and for people covered by group and individual health plans starting in plan year 2027. It would also raise the federal Medicaid match to 90 percent for medication-assisted treatment and let states optionally cover recovery support services under Medicaid. This bill requires health insurers and group health plans to cover opioid use disorder treatments, including addiction medications and recovery services, without charging patients copays, coinsurance, or deductibles starting in plan year 2027, likely raising premiums.
Where it stands: The bill was referred on September 3, 2026 to the Committee on Energy and Commerce and in addition to the Committees on Ways and Means and Education and Workforce, with the period for each referral to be determined by the Speaker. No hearing or markup has been noticed, and it has not been ordered reported or scheduled for floor action.

HR 10252 US House Last action
September 3, 2026 BurdenLong shot

Launching with Healthcare Act

Janelle S. Bynum (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would amend the Public Health Service Act to raise, from age 26 to age 31, the maximum age at which health plans and insurers offering dependent coverage must allow adult children to stay on a parent's health plan. The change would apply only to plan years beginning after December 31, 2026. This bill requires health insurers and group plans to let adult children stay on a parent's health coverage until age 31 instead of 26, starting in plan years after 2026, raising claims costs likely passed through higher premiums.
Where it stands: HR 10252 was referred to the House Committee on Energy and Commerce on September 3, 2026 and awaits the committee chair's decision on whether to notice a hearing or a markup. The chair alone decides whether either is ever noticed, making the chair the chamber's first choke point.

HR 10227 US House Last action
September 2, 2026 BurdenLong shot

INSULIN Act of 2026

Diana DeGette (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would cap insulin costs for people with health insurance by requiring group health plans and insurers to cover selected insulin products with no deductible, cost-sharing of no more than $35 per 30-day supply (or 25 percent of the discounted price if lower), and no prior authorization except for clinical safety reasons, starting in 2028. It would also authorize $2 million a year from 2027 through 2032 for a grant-funded resource center and 24/7 hotline connecting uninsured people to insulin assistance programs, direct a federal study of uninsured insulin users, and let FDA expedite review, at a biosimilar sponsor's request, when a brand-name biologic has fewer than three biosimilar competitors and at least three years have passed since all of its exclusivity periods expired. This bill requires health insurers and group health plans to cover selected insulin products with no deductible, cost-sharing capped at $35 per 30-day supply, and no prior authorization, while barring plans from paying PBMs above the capped amounts.
Where it stands: HR10227 was referred on September 2, 2026 to the Committee on Energy and Commerce and in addition to the Committees on Ways and Means, and Education and Workforce, for a period to be subsequently determined by the Speaker. No markup has been noticed in any of the three committees, and under House practice each committee chair decides whether a hearing or markup is ever scheduled, so the bill sits at the earliest of the House choke points, where measures most often die quietly.

HR 10210 US House Last action
September 1, 2026 BurdenLong shot

Doctors Not AI Act of 2026

Greg Landsman (Democrat) · Sponsor of record · Official record ↗

What it does: This proposal would require group health plans and insurance issuers to ensure that adverse coverage determinations involving clinical judgment are made by licensed health care professionals rather than artificial intelligence systems. It would also mandate that any use of artificial intelligence in these reviews be disclosed to patients and treated as a formal limitation subject to mental health parity rules. This bill directly burdens health insurance issuers offering group or individual coverage by requiring that adverse benefit determinations involving clinical judgment be made by licensed health care professionals rather than AI, with disclosure of any AI use.
Where it stands: HR 10210 was referred on September 1, 2026 to the House Committee on Energy and Commerce, the House Committee on Ways and Means, and the House Committee on Education and Workforce, with the Speaker setting subsequent consideration periods. Each committee chair acts as a gatekeeper for provisions within their jurisdiction, as the record does not establish a single primary panel.

HR 10185 US House Last action
August 31, 2026 BenefitLong shot

Part D Premium Protection Act of 2026

Gus M. Bilirakis (Republican) · Sponsor of record · Official record ↗

What it does: The bill requires the Secretary of Health and Human Services to establish a temporary premium credit for Medicare Part D enrollees in 2027. The credit reduces enrollee premiums by an amount equal to the average premium reduction from a prior demonstration project, with the government reimbursing plan sponsors for the difference. This bill directly funds health insurance carriers that sponsor Medicare Part D prescription drug plans by requiring the government to pay them the amount of the 2027 premium credits subtracted from enrollee premiums.
Where it stands: HR 10185 was referred on August 31, 2026, to the Committee on Energy and Commerce and the Committee on Ways and Means as a multiple referral with no primary committee designated. The bill currently awaits committee action, with both committee chairs acting as gatekeepers for any hearing or markup.

HR 10133 US House Last action
August 20, 2026 BurdenLong shot

Fair Prescription Pricing Act of 2026

Hillary J. Scholten (Democrat) · Sponsor of record · Official record ↗

What it does: The bill limits cost sharing for covered outpatient drugs dispensed by in-network pharmacies to the nationwide average consumer purchase price for the preceding year. It requires group health plans and health insurance issuers to ensure that pharmacy benefit managers also comply with this cost-sharing limit. This bill requires health insurance issuers offering group or individual coverage to cap prescription drug cost sharing at the nationwide average purchase price and to ensure their pharmacy benefit managers comply with that same limit.
Where it stands: HR10133 was referred on August 20, 2026, to the House Committee on Energy and Commerce, and in addition to the Committees on Ways and Means and Education and Workforce, with no primary committee designated. The chairs of all three panels currently control whether hearings or markups occur, and no meetings are scheduled.

HR 10100 US House Last action
August 13, 2026 BurdenLong shot

Screen to Save Act

Joe Neguse (Democrat) · Sponsor of record · Official record ↗

What it does: This bill requires Medicare, Medicaid, and private health plans to cover annual screening mammograms at no cost for women aged 30 and older starting in 2027. It prohibits cost-sharing for these services and limits Medicare payment to one screening every 12 months. This bill requires health insurance carriers offering group and individual plans to cover annual screening mammograms for women 30 and older starting in 2027 with no deductibles, copays, or other patient cost-sharing.
Where it stands: The Screen to Save Act was referred on August 13, 2026, to the House Committee on Energy and Commerce and the House Committee on Ways and Means for consideration of provisions within their jurisdictions. Both committee chairs act as gatekeepers, as the source does not designate a primary panel among the multiple referrals.

HR 10024 US House Last action
August 3, 2026 BurdenLong shot

Health Insurance Transparency for Patients Act

Ashley Hinson (Republican) · Sponsor of record · Official record ↗

What it does: This bill would require health insurance issuers and Medicare Advantage organizations to publicly report annual statistics on coverage request denials, approvals, and appeals, including data on whether automated tools like artificial intelligence were used. These entities would also have to publish lists of items and services requiring prior authorization and submit this information to the Secretary of Health and Human Services for a centralized public website. This bill directly burdens health insurance issuers and Medicare Advantage organizations, requiring them to publicly report annual denial, approval, and appeal statistics, disclose whether artificial intelligence was used, and publish lists of items and services requiring prior authorization.
Where it stands: HR10024 is in the committee stage, referred on August 3, 2026, to both the Committee on Energy and Commerce and the Committee on Ways and Means, with no primary panel designated by the source. The chairs of both committees act as gatekeepers for any subsequent action.

HR 10015 US House Last action
August 3, 2026 MixedLong shot

Great American Healthcare Act

Eric Burlison (Republican) · Sponsor of record · Official record ↗

What it does: This proposal would expand health savings accounts and mandate price transparency and data disclosure for health insurers, hospitals, laboratories, and pharmacies. It also establishes a new rebate system for certain Medicare drugs and repeals Federal Reserve interest payments on required reserve balances. This bill requires health insurance carriers and third-party administrators to publicly disclose rate, payment, and claims information, provide 45-day explanations of benefits, and face daily penalties for failing these new transparency and reporting duties, while expanded health savings accounts broaden eligible coverage products.
Where it stands: HR 10015 was referred on August 3, 2026, to eight committees, including Energy and Commerce, Ways and Means, Education and Workforce, Judiciary, Armed Services, Veterans' Affairs, Foreign Affairs, and Financial Services, for periods to be determined by the Speaker. The source does not establish a primary committee, so the chairs of all eight panels act as gatekeepers for any further action.

HR 9996 US House Last action
July 30, 2026 BurdenLong shot

No Surprise Bills for New Moms Act

Jerrold Nadler (Democrat) · Sponsor of record · Official record ↗

What it does: This bill requires health insurance plans and issuers to automatically cover a newborn for thirty days after birth under the parent's existing plan. It also mandates that plans notify parents if a newborn is not enrolled and provides a sixty-day special enrollment period to add the child to the coverage. This bill requires health insurance issuers and group health plans to automatically cover newborns for thirty days after birth, notify parents if the newborn is not enrolled, and provide a sixty-day special enrollment period.
Where it stands: The bill is currently referred to the Committee on Energy and Commerce, the Committee on Education and Workforce, and the Committee on Ways and Means, with no single committee designated as primary.

S 5158 US Senate Last action
July 29, 2026 BenefitLong shot

Federal Insurance Office Abolishment Act of 2026

Ted Cruz (Republican) · Sponsor of record · Official record ↗

What it does: This bill would abolish the Federal Insurance Office within the Department of the Treasury and eliminate the position of its Director. It would also amend existing laws to remove references to this office, shifting certain oversight roles to the Secretary of the Treasury and the Board of Governors of the Federal Reserve System. This bill abolishes the Federal Insurance Office, ending a federal monitor of the insurance industry and shifting oversight duties to Treasury and the Federal Reserve, which changes federal oversight for carriers, agents, and brokers.
Where it stands: S5158 was read twice and referred to the Committee on Banking, Housing, and Urban Affairs on July 29, 2026. The bill is currently in the committee stage, where the chair controls the scheduling of a markup.

HR 9941 US House Last action
July 23, 2026 MixedLong shot

Right to IVF Act of 2026

Lori Trahan (Democrat) · Sponsor of record · Official record ↗

What it does: This bill establishes a federal statutory right to assisted reproductive technology and intrauterine insemination that preempts conflicting state laws, while mandating that private health plans, Medicare, Medicaid, and federal employee benefits cover these services without extra cost-sharing. It also requires the Department of Defense and Department of Veterans Affairs to provide fertility treatments, counseling, and cryopreservation services to eligible military members and veterans. This bill requires health insurance issuers and group health plans to cover assisted reproductive technology and intrauterine insemination without extra cost-sharing, send notices to enrollees, and bars states from blocking that coverage.
Where it stands: HR 9941 was referred on July 23, 2026, to the Committee on Energy and Commerce, Veterans' Affairs, Armed Services, Education and Workforce, Ways and Means, and Oversight and Government Reform, with no single primary panel established. No hearings or markups have occurred, and the bill remains pending committee consideration.

HR 9891 US House Last action
July 22, 2026 MixedLong shot

PREVENT ESRD Act

Joe Wilson (Republican) · Sponsor of record · Official record ↗

What it does: This bill creates a ten-year demonstration program that pays participating health insurance plans 25 percent of the Medicare savings generated when they successfully delay kidney disease progression through mandated screening and low-cost coverage. It also allocates $5,000,000 annually for administrative costs and allows the government to provide advance payments to help plans cover the costs of these new services. This bill requires participating health insurance carriers and group plans to cover kidney care services with minimal cost sharing, provide free screening, submit data, and lift drug restrictions, while paying them 25 percent of Medicare savings and optional advance payments.
Where it stands: HR9891 was referred on July 22, 2026, to the House Committee on Energy and Commerce and the House Committee on Ways and Means. No hearings or markups are currently scheduled for either committee.

HR 9823 US House Last action
July 22, 2026 BurdenLong shot

Alzheimer’s Early Detection Act of 2026

Jake Auchincloss (Democrat) · Sponsor of record · Official record ↗

What it does: This proposal would require private health insurance plans and the Medicaid program to cover Alzheimer’s biomarker testing without imposing stricter cost-sharing or treatment limits than those applied to other medical benefits. It also mandates that insurers approve prior authorization requests for this testing within 72 hours, or 24 hours if there is a serious health risk, and prohibits step therapy requirements before coverage begins. This bill requires health insurance issuers offering group or individual coverage to cover Alzheimer's biomarker testing, cap cost-sharing at levels no stricter than other medical benefits, and decide prior authorization requests within 72 hours or 24 hours in urgent cases.
Where it stands: The Alzheimer’s Early Detection Act of 2026 was referred to the House Committee on Energy and Commerce on July 22, 2026. This referral places the measure in the committee stage, where the chair controls whether hearings or a markup are scheduled.

HR 9798 US House Last action
July 21, 2026 BenefitLong shot

Employer Health Plan Flexibility Act

Rick W. Allen (Republican) · Sponsor of record · Official record ↗

What it does: The bill would exempt employer-sponsored group health plans from the requirement to cover Essential Health Benefits, provided they annually disclose any uncovered benefits to participants. This exemption applies to plan years beginning on or after January 1, 2028. This bill lets health insurers and employers operating group health plans drop Essential Health Benefits coverage starting in 2028, as long as they tell participants each year which benefits are no longer covered, allowing cheaper, less comprehensive plans.
Where it stands: HR9798 was referred to the House Committee on Education and Workforce and the House Committee on Energy and Commerce on July 21, 2026, with no upcoming meetings scheduled in the available data.

S 5049 US Senate Last action
July 21, 2026 BenefitLong shot

CLAIM Act

Kevin Cramer (Republican) · Sponsor of record · Official record ↗

What it does: The bill would bar federal agencies from penalizing, discouraging, or taking supervisory action against insurers that provide insurance to state-legal cannabis businesses, their owners and employees, and landlords who lease to them, and would shield those insurers and their staff from federal liability solely for doing that business or investing its income. It would also direct the Government Accountability Office to study and report to Congress on barriers to market entry and access to financial services for minority-owned and women-owned cannabis businesses. This bill protects insurers and their agents from federal penalties and liability for writing or servicing policies for state-legal cannabis businesses, opening a new market the industry could previously only serve at legal risk.
Where it stands: S5049, the CLAIM Act, was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on July 21, 2026, and it now sits there pending committee action, where most bills in this chamber never get a markup.

S 5034 US Senate Last action
July 20, 2026 BurdenLong shot

Medicare Advantage Supplemental Benefits Transparency Act of 2026

Mark R. Warner (Democrat) · Sponsor of record · Official record ↗

What it does: The bill requires Medicare Advantage insurers to submit detailed, enrollee-level data on supplemental benefits to the government starting in 2029 and mandates that this information be made available for research and public use in de-identified form. It also appropriates $12 million for fiscal year 2026 to fund the implementation of these new reporting requirements. This bill requires Medicare Advantage insurers to submit detailed enrollee-level data on their supplemental benefits to the government starting in 2029, adding reporting duties and compliance costs, with $12 million in funding to implement the rules.
Where it stands: S5034 was read twice and referred to the Committee on Finance on July 20, 2026. No future meetings are scheduled in the available calendar data.

HR 8398 US House Last action
April 21, 2026 MixedLong shot

Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act

Sector-wide

Bill Huizenga (Republican) · Sponsor of record · Official record ↗

What it does: The bill amends the Gramm-Leach-Bliley Act to require data minimization, opt-in consent for sensitive information, and consumer rights to access and delete data, while preempting conflicting state privacy laws. It also mandates regulatory consideration for small financial institutions and establishes new compliance standards for financial data aggregators.
Where it stands: HR8398 was referred to the House Committee on Financial Services on April 21, 2026, and remains at the referred stage with no upcoming meetings scheduled. The committee chair controls whether a hearing or markup is scheduled, while leadership retains the ability to bypass committee action through suspension, a special rule, or discharge.

S 3711 US Senate Last action
January 28, 2026 BurdenLong shot

Addressing Climate Financial Risk Act of 2026

Sector-wide

Tina Smith (Democrat) · Sponsor of record · Official record ↗

What it does: This proposal would establish a Climate Financial Risk Committee and an Advisory Committee within the Financial Stability Oversight Council to assess climate-related threats to the financial system and mandate that federal banking agencies update supervisory guidance for institutions with over $50 billion in assets to address these risks. It would also require the Federal Insurance Office to collect and publish detailed homeowners insurance underwriting data, including premiums and cancellations by zip code, to analyze climate impacts on insurance markets.
Where it stands: S. 3711 was read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs on January 28, 2026, with no meetings scheduled. The companion House bill, HR 7246, was referred to the House Committee on Financial Services on January 27, 2026, and has not passed a chamber.

May also reach

Measures that reach Insurance indirectly

Through a product these businesses make, a customer they serve, a competitor, or a study about them. Read these as possibilities, not duties.

HR 6708 US House Last action
December 15, 2025 May reachLong shot

ICHRA Permanency Act

Aaron Bean (Republican) · Sponsor of record · Official record ↗

What it does: This act gives the full force of law to a 2019 federal rule allowing employers to use health reimbursement arrangements to help employees buy individual insurance. It permanently codifies these rules rather than leaving them dependent on administrative regulations that could change with different leadership. This bill makes the 2019 health reimbursement arrangement rule permanent law, stabilizing the market for insurance brokers, agents, and third-party administrators who help employers reimburse workers for individual health coverage.
Where it stands: HR 6708 is stalled after its referral on December 15, 2025 to the House Committees on Energy and Commerce, Education and Workforce, and Ways and Means. The multiple referral places each committee chair in control of whether the bill advances, with the Speaker setting subsequent time limits for consideration.

S 3380 US Senate Last action
December 4, 2025 May reachLong shot

ACA Marketplace Integrity Act

Roger Marshall (Republican) · Sponsor of record · Official record ↗

What it does: The bill would cap the government's premium tax credit so that individuals receiving assistance must pay at least $5 per month out of pocket. It would also require all enrollees over age 18 to provide government-issued photo identification to verify their identity before they can enroll in qualified health plans. This bill requires health insurance carriers on the ACA Marketplace to verify government-issued photo ID for adult enrollees and caps premium tax credits at five dollars of required out-of-pocket payment, shrinking subsidized enrollment and carriers' customer base.
Where it stands: S. 3380 was read twice and referred to the Senate Committee on Finance on December 4, 2025, and no upcoming meetings are scheduled in the provided data.

HR 6246 US House Last action
November 21, 2025 May reachLong shot

Save American Healthcare Act

Shri Thanedar (Democrat) · Sponsor of record · Official record ↗

What it does: This proposal would extend federal subsidies for health insurance premiums for households earning more than 400 percent of the poverty line and increase the amount of assistance available. These extensions would remain in effect until the Secretary of the Treasury estimates that the costs are fully offset by revenue from tariffs imposed after January 19, 2025. This bill extends and enlarges federal premium tax credits for households earning above 400 percent of the poverty line, which health insurers would see as greater subsidized demand for their coverage plans.
Where it stands: HR6246 was referred to the House Committee on Ways and Means on November 21, 2025, where it awaits potential hearing or markup action.

HR 6016 US House Last action
November 10, 2025 May reachLong shot

Keep Healthcare Affordable Act

Bradley Scott Schneider (Democrat) · Sponsor of record · Official record ↗

What it does: This act extends enhanced premium tax credits for health insurance through 2029 and removes the income cap that previously disqualified households earning more than four times the poverty level. Starting in 2026, individuals with incomes up to ten times the poverty level would remain eligible for these federal subsidies. This bill extends enhanced premium tax credits through 2029 and expands eligibility, which would likely grow enrollment in subsidized marketplace health plans sold by health insurance carriers and marketed by their agents and brokers.
Where it stands: The bill is currently blocked at the referred stage, having been sent to the House Committee on Ways and Means on November 10, 2025. The committee chair controls whether any further procedural steps, such as a hearing or markup, will occur.

HR 5972 US House Last action
November 7, 2025 May reachLong shot

Right to Enroll Act of 2025

Chris Pappas (Democrat) · Sponsor of record · Official record ↗

What it does: The bill directs the Secretary of Health and Human Services to extend the annual open enrollment period for Affordable Care Act health plans to run from November 1, 2025, through May 1, 2026. This change applies specifically to insurance coverage for the 2026 plan year. This bill extends the Affordable Care Act open enrollment period for the 2026 plan year through May 1, 2026, giving health insurance carriers and agents a longer selling season while increasing carriers' administrative costs.
Where it stands: The bill is referred to the House Committee on Energy and Commerce as of November 7, 2025, with no upcoming meetings scheduled. The committee chair controls whether a hearing or markup is noticed, while leadership retains the ability to bypass this stage through suspension or a special rule.

HR 4849 US House Last action
August 1, 2025 May reachLong shot

Protecting Health Care and Lowering Costs Act of 2025

Adam Gray (Democrat) · Sponsor of record · Official record ↗

What it does: The proposal would repeal specific health provisions from a recent reconciliation law and remove the 400 percent of the poverty line cap for premium tax credit eligibility. It would also establish a sliding scale for premium contributions that caps costs at 8.5 percent of income for all households. This bill benefits health insurance carriers by lifting the income cap on premium tax credits and capping contributions at 8.5 percent of income, expanding their pool of subsidized customers and increasing enrollment.
Where it stands: HR 4849 was referred on August 1, 2025, to the House Committee on Ways and Means and the House Committee on Energy and Commerce. The chairs of both committees control whether a hearing or markup occurs, as no specific future meetings are scheduled.

S 2556 US Senate Last action
July 30, 2025 May reachLong shot

Protecting Health Care and Lowering Costs Act

Charles E. Schumer (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would repeal the health-related provisions of the 2025 reconciliation law known as the One Big Beautiful Bill Act, restoring the law as if those changes had never been made. It would also permanently extend the enhanced Affordable Care Act premium tax credits by removing the 400 percent of poverty income cap, so higher-income households could keep getting subsidies on a sliding scale, effective for tax years beginning after December 31, 2025. This bill expands eligibility for premium tax credits by removing the 400 percent income cap and capping premium costs, increasing subsidized enrollment and premium revenue for health insurance carriers.
Where it stands: S2556 was read twice and referred to the Senate Committee on Finance on July 30, 2025, so it now sits in committee with no hearing or markup scheduled. This is the stage where the committee's chair decides whether anything happens at all, and where referred bills most often end without any vote.

S 2149 US Senate Last action
June 24, 2025 May reachLong shot

Health Equity and Access under the Law for Immigrant Families Act of 2025

Cory A. Booker (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would expand access to Medicaid, CHIP, Medicare, and Affordable Care Act subsidies for lawfully present immigrants, including those with deferred action, by removing federal restrictions on eligibility. It also would allow states to optionally extend Medicaid and CHIP coverage to individuals without lawful immigration status. This bill expands the pool of lawfully present immigrants eligible for ACA subsidies, Medicaid, and CHIP, increasing enrollments and premium revenue for health insurers while letting states optionally extend coverage to undocumented individuals.
Where it stands: S2149 is referred to the Senate Committee on Finance following its second reading on June 24, 2025, with no scheduled hearings or markups currently listed.

HR 3973 US House Last action
June 12, 2025 May reachLong shot

Ukraine War Risk Insurance Act

William R. Keating (Democrat) · Sponsor of record · Official record ↗

What it does: This bill deems commercial vessels owned by citizens of NATO countries, Ukraine, or other approved nations eligible for federal war risk insurance for five years when transporting goods to or from Ukraine. It also establishes the Insurance for Ukraine Initiative within the Department of State to coordinate insurance efforts and directs U.S. diplomats to support allied insurance programs and multilateral grain shipping protections. This bill reaches private insurance companies through the new State Department Insurance for Ukraine Initiative, which coordinates outreach and dialogue with the private insurance sector on providing war risk insurance for ships traveling to and from Ukraine.
Where it stands: The bill was referred on June 12, 2025 to the Committee on Foreign Affairs and the Committee on Transportation and Infrastructure. The source does not establish one as the primary panel, so both committee chairs currently control whether hearings or markups occur.

HR 2123 US House Last action
March 14, 2025 May reachLong shot

NFIP Extension Act of 2025

Andrew R. Garbarino (Republican) · Sponsor of record · Official record ↗

What it does: The bill extends the authorization for the National Flood Insurance Program and its funding through September 30, 2025. If enacted after March 14, 2025, the extension applies retroactively to that date. This bill extends the National Flood Insurance Program's authorization through September 30, 2025, keeping federal flood coverage available so insurance agencies and brokers can keep selling it and private flood insurers keep facing subsidized federal competition.
Where it stands: HR 2123 was referred to the House Committee on Financial Services on March 14, 2025, and no meetings are currently scheduled. The bill remains in committee without a noticed hearing or markup.

HR 550 US House Last action
January 16, 2025 May reachLong shot

Wildfire Insurance Coverage Study Act of 2025

Maxine Waters (Democrat) · Sponsor of record · Official record ↗

What it does: The bill requires the Government Accountability Office to study wildfire insurance coverage, risk assessment, and state regulatory responses within one year of enactment. It mandates a report to Congress analyzing insurer practices, rate adjustments, and potential policy solutions for wildfire risk. This bill requires GAO to study and report to Congress on how private insurers have adjusted rates, declined renewals, and faced challenges underwriting wildfire risk over the past decade, making insurance carriers the direct subject of federal scrutiny.
Where it stands: HR 550 was referred to the House Committee on Financial Services on January 16, 2025, and remains in committee with no scheduled meetings. The companion Senate bill S 2430 was referred to the Committee on Banking, Housing, and Urban Affairs on July 24, 2025, without having been reported.

S 5619 US Senate Last action
September 30, 2026 May reachLong shot

Restoring Essential Plan Coverage Act

Charles E. Schumer (Democrat) · Sponsor of record · Official record ↗

What it does: The bill would repeal a recently enacted provision that cut off premium tax credits for lawfully present immigrants, restoring their eligibility for those subsidies, and would treat lawfully present immigrants who cannot get Medicaid because of their immigration status and have household income not over 100 percent of the poverty line as having income of 100 percent of the poverty line when claiming the credit for tax years after 2025. It would also let states raise the income cap for their Basic Health Program, the state-run alternative to marketplace coverage, from 200 percent up to as much as 250 percent of the poverty line for plan years starting in 2027 or later. This bill restores premium tax credit eligibility for lawfully present immigrants and lets states expand Basic Health Program income limits, giving health insurers selling marketplace or Basic Health Program plans more subsidized enrollees.
Where it stands: S5619, the Restoring Essential Plan Coverage Act, was read twice and referred to the Senate Committee on Finance on September 30, 2026. It is now at the committee stage, the earliest and most common kill point in the Senate, and nothing in the record shows it has advanced beyond referral.

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