Restoring Patient Protections and Affordability Act of 2025

This bill would extend the larger premium tax credits for Affordable Care Act marketplace plans through the end of 2028, including for people earning over 400 percent of the poverty line. It would extend the 2026 open enrollment period through May 1, 2026, and would set aside $100 million from insurer user fees for navigator programs that help people enroll in federal marketplace plans. It would require insurers to notify enrollees about changes to premium credits and enrollment deadlines, with fines for insurers that do not comply. It would also cap how much some lower- and middle-income people must repay if they received too much in advance premium credits, add new special enrollment periods, and change several enrollment and plan-value rules.

Full text and official record on Congress.gov

Sponsors

• Lisa Blunt Rochester Democrat sponsor
• 8 cosponsors