H.R. 9455, Health Insurance Subsidy Restriction. Quorum's AI analysis reads it as a net cost — and names who bears it.
H.R. 9455 · Net cost
What it does
This bill amends the tax code to restrict premium tax credits (subsidies that help people afford health insurance) to plans offered by insurers that provide at least one plan with a monthly cost-sharing payment option—allowing enrollees to defer out-of-pocket costs until monthly billing rather than paying at the point of service. People enrolled in plans from insurers that do not offer this option would lose eligibility for federal tax credits starting in 2027.
The analysis names health insurance issuers offering monthly cost-sharing payment plans — and 1 more group — among the beneficiaries.
The cost
Insurers that do not offer monthly cost-sharing payment plans will see their qualified health plans become ineligible for premium tax credits, creating strong pressure on insurers to adopt the payment structure or lose subsidy-eligible enrollment.
Transparency scores 65%, with a medium warning level and no provisions unrelated to the bill's subject.
Who is behind it
Filed by Aaron Bean. Cosponsored by Mark Alford.