H.R. 9107, Insurance Deregulation / Consumer Protection Rollback. Quorum's AI analysis reads it as a net cost — and names who bears it.
H.R. 9107 · Net cost
What it does
This bill allows health insurance plans sold on the ACA marketplace to operate without maintaining a network of contracted doctors and hospitals, starting in 2027. Instead of negotiating rates with specific providers, these plans would pay whatever providers charge. The bill requires such plans to disclose out-of-pocket cost estimates and provide tools to find providers willing to accept the plan's payment rates.
The analysis names health insurance companies (reduced negotiation costs, lower payment obligations) — and 1 more group — among the beneficiaries.
The cost
Plans without networks may attract sicker or higher-cost patients if they offer lower premiums, creating adverse selection that destabilizes the marketplace and raises costs for other enrollees.
The analysis put a high warning level on this bill. Transparency scores 65%, and the analysis found no provisions unrelated to the bill's subject.
Who is behind it
Filed by Michael Rulli. Cosponsored by Aaron Bean, H. Griffith and Troy Balderson.