H.J.Res. 197, ACA Marketplace Deregulation via CRA. Quorum's AI analysis reads it as a net cost — and names who bears it.
H.J.Res. 197 · Net cost
What it does
This is a Congressional Review Act resolution that disapproves a Centers for Medicare & Medicaid Services rule setting health insurance benefit and payment parameters for 2027 under the Affordable Care Act. If passed, the rule would be nullified and have no legal effect, potentially disrupting ACA marketplace operations and Basic Health Program coverage for 2027.
The analysis names health insurance carriers (reduced regulatory compliance burden, potential for higher premiums due t — and 1 more group — among the beneficiaries.
The cost
Disapproving the rule does not automatically restore a prior rule; it creates a regulatory vacuum for 2027 ACA marketplace operations, forcing CMS to either issue a new rule or operate without current guidance, potentially triggering legal challenges and marketplace instability.
The analysis put a high warning level on this bill. Transparency scores 95%, and the analysis found no provisions unrelated to the bill's subject.
Who is behind it
Filed by Kathy Castor. Cosponsored by Adelita Grijalva, Brad Schneider, Danny Davis and Debbie Wasserman Schultz.