Extends health insurance savings for many and strengthens rules for drug middlemen.
This bill would extend financial help for people buying health insurance through the Affordable Care Act marketplaces until the end of 2027. It would also create new rules for companies that manage prescription drug benefits to increase transparency and pass savings to health plans. Additionally, it would allow some marketplace enrollees to use Health Savings Accounts.
Today, enhanced premium tax credits for Affordable Care Act (ACA) marketplace plans are set to expire at the end of 2025, and there are fewer transparency rules for Pharmacy Benefit Managers (PBMs). Many ACA marketplace enrollees cannot open Health Savings Accounts (HSAs). After this bill, enhanced premium tax credits would continue through 2027, making health insurance more affordable for many. PBMs working with Medicare Part D plans would face stricter rules starting in 2029, requiring them to pass 100% of drug rebates to health plans and report detailed financial information. PBMs for employer-sponsored health plans would have similar requirements for plan years beginning 30 months after the bill becomes law. These changes could potentially lower drug costs. Certain ACA marketplace enrollees would also be able to open and contribute to HSAs.
HR 6501 · 119th Congress · December 9, 2025 · AI Summary by gemini-2.5-flash · 9/10
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Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.