Restoring Patient Protections and Affordability Act of 2025

Sponsor: Lisa Blunt Rochester (Democratic-DE)December 4, 2025

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Introduced

In Committee

Passed One Chamber

Passed Both Chambers

Signed into Law

Read twice and referred to the Committee on Finance.

Extends financial help for health insurance and simplifies signing up for coverage.

This bill would extend financial help for people buying health insurance through the Affordable Care Act marketplace until 2029. It would also make it easier to sign up for coverage, provide more support for enrollment, and protect people from unexpected premium bills.

What Would Change

Today, enhanced financial help for health insurance premiums is set to expire at the end of 2025, and open enrollment periods are shorter. After this bill, enhanced financial help would continue until 2029, and the 2026 open enrollment period would be extended. Additionally, there would be more support for enrollment, and new protections would limit how much people might have to pay back if their income changes.

Key Provisions

Extends enhanced financial help for health insurance premiums until January 1, 2029.
Extends the open enrollment period for health insurance plans in 2026 until May 1, 2026.
Sets aside $100 million for the government's budget year 2026 to fund programs that help people sign up for health insurance.
Caps the amount of money people with lower incomes would have to pay back if they received too much financial help for their premiums.
Requires health insurance companies to notify enrollees about changes to financial help and enrollment periods, with penalties for not doing so.
Creates new special enrollment periods for individuals who are denied advance payments for their premium tax credits or who have very low incomes.

View on Congress.gov

S 3368 · 119th Congress · December 4, 2025 · AI Summary by gemini-2.5-flash · 3/10

Restoring Patient Protections and Affordability Act of 2025

What Would Change

Key Provisions

Lobbying Activity