WHAT THE LAW DOINCongress, in plain words

H.R. 6703 · 119th Congress

Lower Health Care Premiums for All Americans Act

Passed HouseDrafted by AI, awaiting review by two peopleHealth
IntroducedDec 15, 2025
Passed HouseDec 17, 2025
Passed SenateNot yet
To PresidentNot yet
Became lawNot yet

Where it stands

Passed House. Latest step, Dec 18, 2025: Received in the Senate. The House passed it 216–211. From Iowa: Mariannette Miller-Meeks sponsors it. All 4 of Iowa's representatives voted yes in the House. It would change 11 sections of existing law.

How this bill changes the law

Sourced

H.R. 6703 would change 11 sections of existing law. Read from the bill text as introduced in the House (Dec 15, 2025).

Where in the law, by title of the U.S. Code:

See the map: the first 11 sections it would change, line by line

29 U.S.C. 1002 Definitions

  • (5) The term "employer" means any person acting directly as an employer, or… added to · Sec. 101(a) · see the words

29 U.S.C. 1181 Increased portability through limitation on preexisting condition exclusions

29 U.S.C. 1191b Definitions

  • (b) Definitions relating to health insurance added to · Sec. 102(a) · see the words

29 U.S.C. 1144 Other laws

  • (b) Construction and application added to · Sec. 102(b) · see the words

26 U.S.C. 9815 1 Additional market reforms

42 U.S.C. 300gg Fair health insurance premiums

29 U.S.C. 1021 Duty of disclosure and reporting

  • The section as a whole changed · Sec. 201(b) · see the words
  • (a) Summary plan description and information to be furnished to participants and beneficiaries changed · Sec. 201(b) · see the words
  • (b) Reports to be filed with Secretary of Labor changed · Sec. 201(b) · see the words
  • (c) Terminal and supplementary reports added to · Sec. 201(b) · see the words
  • 726 new · Sec. 201(b) · see the words

29 U.S.C. 1001 Congressional findings and declaration of policy

26 U.S.C. 9831

26 U.S.C. 4980D Failure to meet certain group health plan requirements

42 U.S.C. 18071 Reduced cost-sharing for individuals enrolling in qualified health plans

What the words would change: every change, in place (21)

Today's wording of each part of the law, with what would be struck out and added. Each change also gives the bill's own instruction, word for word.

  1. 29 U.S.C. 1002(5)addedby H.R. 6703 Sec. 101(a)

    The bill says: Section 3(5) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1002(5)) is amended by inserting after "capacity" the following: "(including, for the purpose of establishing or maintaining a group health plan, a group or association of employers that satisfies the requirements of section 736(a))".

  2. 29 U.S.C. 1181added 736by H.R. 6703 Sec. 101(b)

    736 Rules applicable to group health plans established and maintained by a group or association of employers.—(a) Association health plans.— A group or association of employers may maintain a group health plan, regardless of whether the employers composing such group or association are in the same industry, trade, or profession, if such group or association satisfies the following requirements:(1) Group or association requirements.— The group or association of employers—(A) shall—(i) have been formed and maintained in good faith for purposes other than providing health insurance coverage through a group health plan;(ii) establish a governing board or another indicator of formality as described in paragraph (2); and(iii) have existed for at least 2 years prior to offering a group health plan to the employees of such group or association; and(iv) make health insurance coverage under the group health plan offered by such group or association available—(I) to at least 51 employees; and(II) to all employees of the employer members, and any dependents of such employees;(B) may only provide health insurance coverage through the group health plan of the group or association—(i) to an employee of an employer member of the group or association or a dependent of such an employee; or(ii) as necessary to comply with part 6;(C) may include a health insurance issuer as an employer member, except that the group or association may not—(i) be a health insurance issuer; or(ii) be controlled or owned by a health insurance issuer (or a subsidiary or affiliate of a health insurance issuer).(D) may not condition the membership of an employer in the group or association on any health status-related factor (as described in section 702(a)(1)) relating to any employee or dependent of any employee of any employer member.(2) Organizational requirements.—(A) Governing board or formal organization of the group or association.—(i) In general.— The group or association shall have—(I) a formal organizational structure with a governing board and by-laws; or(II) another structure or indicator of formality.(ii) Requirement.— Both structures described in subclauses (I) and (II) of clause (i) shall comply with the requirements described in subparagraph (B).(B) Formal organization structure of group or association.—(i) In general.— The functions and activities of the group or association shall be controlled by the employer members in substance and in fact.(ii) Control.— The control described in clause (i) shall be satisfied so long as at least 75 percent of the positions on the board or other formal organizational structure are held by employer members.(iii) Elections.— Each position of the governing board or other formal organizational structure shall be subject to scheduled elections, as determined by the group or association, and each employer-member shall be able to cast only one vote in each such election.(C) Group health plan requirements.—(i) Control.— The group health plan shall be controlled in substance and in fact by employer members participating in the group health plan.(ii) Eligibility verification.— A plan fiduciary shall verify, on a regular basis and pursuant to reasonable monitoring procedures as established by the plan fiduciary, whether an individual is a self-employed individual if such individual (or a beneficiary thereof) participates in the group health plan on the basis that such individual is a self-employed individual.(iii) Ineligible self-employed individuals.—(I) In general.— Subject to subclause (II) and except as required under part 6, in the case that the plan fiduciary determines that an individual who participates in the group health plan no longer meets the requirements under a self-employed individual during a plan year, the group health plan shall not make health insurance coverage available to such individual for any plan year following the plan year in which such determination was made.(II) Remedial action.— If, after the plan fiduciary determines that an individual described in clause (i) is not a self-employed individual, the individual furnishes to the plan fiduciary evidence proving that such individual is a self-employed individual, such individual shall be eligible to participate in the group health plan.(3) Discrimination and pre-existing condition protections.— A group health plan established and maintained by the group or association of employers under this section may not—(A) establish any rule for eligibility (including continued eligibility) of any individual (including an employee of an employer member or a self-employed individual, or a dependent of such employee or self-employed individual) to enroll for benefits under the terms of the plan that discriminates based on any health status-related factor that relates to such individual (consistent with the rules under section 702(a)(1));(B) require an individual (including an employee of an employer member or a self-employed individual, or a dependent of such employee or self-employed individual), as a condition of enrollment or continued enrollment under the plan, to pay a premium or contribution that is greater than the premium or contribution for a similarly situated individual enrolled in the plan based on any health status-related factor that relates to such individual (consistent with the rules under section 702(b)(1)); and(C) deny coverage under such plan on the basis of a pre-existing condition (consistent with the rules under section 2704 of the Public Health Service Act).(b) Premium rates for a group or association of employers.—(1) In general.— A group health plan established and maintained by a group or association of employers that meets that requirements of this section may, to the extent not prohibited under State law—(A) establish base premium rates formed on an actuarially sound, modified community rating methodology that considers the pooling of all plan participant claim

    The bill says: Part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1181, et seq.) is amended by adding at the end the following:

  3. 29 U.S.C. 1191b(b)(1)addedby H.R. 6703 Sec. 102(a)

    The bill says: Section 733(b)(1) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1191b(b)(1)) is amended by adding at the end the following sentence: "Such term shall not include a stop-loss policy obtained by a self-insured group health plan or a plan sponsor of a group health plan that self-insures the health risks of its plan participants to reimburse the plan or sponsor for losses that the plan or sponsor incurs in providing health or medical benefits to such plan participants in excess of a predetermined level set forth in the stop-loss policy obtained by such plan or sponsor.".

  4. 29 U.S.C. 1144(b)added (10)by H.R. 6703 Sec. 102(b)

    (10) The provisions of this title (including part 7 relating to group health plans) shall preempt State laws insofar as they may now or hereafter prevent an employee benefit plan that is a group health plan from insuring against the risk of excess or unexpected health plan claims losses.

    The bill says: Section 514(b) of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1144(b)) is amended by adding at the end the following:

  5. 26 U.S.C. 9815(b)changedby H.R. 6703 Sec. 103(a)

    Exceptions.—(1) Self-insured group health plans.— Notwithstanding subsection (a)

    The bill says: by striking "Exception.—Notwithstanding subsection (a)" and inserting the following:

  6. 26 U.S.C. 9815(b)added (2)by H.R. 6703 Sec. 103(a)

    (2) Custom health option and individual care expense arrangements.—(A) In general.— For purposes of this subchapter, a custom health option and individual care expense arrangement shall be treated as meeting the requirements of section 9802 and sections 2705, 2711, 2713, and 2715 of title XXVII of the Public Health Service Act.(B) Custom health option and individual care expense arrangements defined.— For purposes of this section, the term custom health option and individual care expense arrangement means a health reimbursement arrangement—(i) which is an employer-provided group health plan funded solely by employer contributions to provide payments or reimbursements for medical care subject to a maximum fixed dollar amount for a period,(ii) under which such payments or reimbursements may only be made for medical care provided during periods during which the individual is covered—(I) under individual health insurance coverage (other than coverage that consists solely of excepted benefits), or(II) under part A and B of title XVIII of the Social Security Act or part C of such title,(iii) which meets the nondiscrimination requirements of subparagraph (C),(iv) which meets the substantiation requirements of subparagraph (D), and(v) which meets the notice requirements of subparagraph (E).(C) Nondiscrimination.—(i) In general.— An arrangement meets the requirements of this subparagraph if an employer offering such arrangement to an employee within a specified class of employee— In the case of an employer who offers a group health plan provided through health insurance coverage in the small group market (that is subject to section 2701 of the Public Health Service Act) to all employees within such specified class, subclause (II) shall not apply to such group health plan.(I) offers such arrangement to all employees within such specified class on the same terms, and(II) does not offer any other group health plan (other than an account-based group health plan or a group health plan that consists solely of excepted benefits) to any employees within such specified class.(ii) Specified class of employee.— For purposes of this subparagraph, any of the following may be designated as a specified class of employee: An employer may designate (in such manner as is prescribed by the Secretary) two or more of the classes described in the preceding subclauses as the specified class of employees to which the arrangement is offered for purposes of applying this subparagraph.(I) Full-time employees.(II) Part-time employees.(III) Salaried employees.(IV) Non-salaried employees.(V) Employees whose primary site of employment is in the same rating area.(VI) Employees who are included in a unit of employees covered under a collective bargaining agreement to which the employer is subject (determined under rules similar to the rules of section 105(h)).(VII) Employees who have not met a group health plan, or health insurance issuer offering group health insurance coverage, waiting period requirement that satisfies section 2708 of the Public Health Service Act.(VIII) Seasonal employees.(IX) Employees who are nonresident aliens and who receive no earned income (within the meaning of section 911(d)(2)) from the employer which constitutes income from sources within the United States (within the meaning of section 861(a)(3)).(X) Under such rules as the Secretary may prescribe, employees who are hired for temporary placement with an unrelated person that is not the common law employer.(XI) Such other classes of employees as the Secretary may designate.(iii) Special rule for new hires.— An employer may designate prospectively so much of a specified class of employees as are hired after a date set by the employer. Such subclass of employees shall be treated as the specified class for purposes of applying clause (i).(iv) Rules for determining type of employee.— For purposes for clause (ii), any determination of full-time, part-time, or seasonal employment status shall be made under rules similar to the rules of section 105(h) or 4980H, whichever the employer elects for the plan year. Such election shall apply with respect to all employees of the employer for the plan year.(v) Permitted variation.— For purposes of clause (i)(I), an arrangement shall not fail to be treated as provided on the same terms within a specified class merely because the maximum dollar amount of payments and reimbursements which may be made under the terms of the arrangement for the year with respect to each employee within such class—(I) increases as additional dependents of the employee are covered under the arrangement, and(II) increases with respect to a participant as the age of the participant increases, but not in excess of an amount equal to 300 percent of the lowest maximum dollar amount with respect to such a participant determined without regard to age.(D) Substantiation requirements.— An arrangement meets the requirements of this subparagraph if the arrangement has reasonable procedures to substantiate—(i) that the participant and any dependents are, or will be, enrolled in coverage described in subparagraph (B)(ii) as of the beginning of the plan year of the arrangement (or as of the beginning of coverage under the arrangement in the case of an employee who first becomes eligible to participate in the arrangement after the date notice is given with respect to the plan under subparagraph (E) (determined without regard to clause (iii) thereof), and(ii) any requests made for payment or reimbursement of medical care under the arrangement and that the participant and any dependents remain so enrolled.(E) Notice.—(i) In general.— Except as provided in clause (iii), an arrangement meets the requirements of this subparagraph if, under the arrangement, each employee eligible to participate is, not later than 60 days before the beginning of the plan year, given written notice of the employee’s rights and obligations unde

    The bill says: by adding at the end the following new paragraph:

  7. 42 U.S.C. 300ggadded 2799A–11by H.R. 6703 Sec. 201(a)

    2799A–11. Oversight of entities that provide pharmacy benefit management services.—(a) In general.— For plan years beginning on or after the date that is 30 months after the date of enactment of this section (referred to in this subsection and subsection (b) as the "effective date"), a group health plan or a health insurance issuer offering group health insurance coverage, or an entity providing pharmacy benefit management services on behalf of such a plan or issuer, shall not enter into a contract, including an extension or renewal of a contract, entered into on or after the effective date, with an applicable entity unless such applicable entity agrees to—(1) not limit or delay the disclosure of information to the group health plan (including such a plan offered through a health insurance issuer) in such a manner that prevents an entity providing pharmacy benefit management services on behalf of a group health plan or health insurance issuer offering group health insurance coverage from making the reports described in subsection (b); and(2) provide the entity providing pharmacy benefit management services on behalf of a group health plan or health insurance issuer relevant information necessary to make the reports described in subsection (b).(b) Reports.—(1) In general.— For plan years beginning on or after the effective date, in the case of any contract between a group health plan or a health insurance issuer offering group health insurance coverage offered in connection with such a plan and an entity providing pharmacy benefit management services on behalf of such plan or issuer, including an extension or renewal of such a contract, entered into on or after the effective date, the entity providing pharmacy benefit management services on behalf of such a group health plan or health insurance issuer, not less frequently than every 6 months (or, at the request of a group health plan, not less frequently than quarterly, and under the same conditions, terms, and cost of the semiannual report under this subsection), shall submit to the group health plan a report in accordance with this section. Each such report shall be made available to such group health plan in plain language, in a machine-readable format, and as the Secretary may determine, other formats. Each such report shall include the information described in paragraph (2).(2) Information described.— For purposes of paragraph (1), the information described in this paragraph is, with respect to drugs covered by a group health plan or group health insurance coverage offered by a health insurance issuer in connection with a group health plan during each reporting period—(A) in the case of a group health plan that is offered by a specified large employer or that is a specified large plan, and is not offered as health insurance coverage, or in the case of health insurance coverage for which the election under paragraph (3) is made for the applicable reporting period—(i) a list of drugs for which a claim was filed and, with respect to each such drug on such list—(I) the contracted compensation paid by the group health plan or health insurance issuer for each covered drug (identified by the National Drug Code) to the entity providing pharmacy benefit management services or other applicable entity on behalf of the group health plan or health insurance issuer;(II) the contracted compensation paid to the pharmacy, by any entity providing pharmacy benefit management services or other applicable entity on behalf of the group health plan or health insurance issuer, for each covered drug (identified by the National Drug Code);(III) for each such claim, the difference between the amount paid under subclause (I) and the amount paid under subclause (II);(IV) the proprietary name, established name or proper name, and National Drug Code;(V) for each claim for the drug (including original prescriptions and refills) and for each dosage unit of the drug for which a claim was filed, the type of dispensing channel used to furnish the drug, including retail, mail order, or specialty pharmacy;(VI) with respect to each drug dispensed, for each type of dispensing channel (including retail, mail order, or specialty pharmacy)—(aa) whether such drug is a brand name drug or a generic drug, and—(AA) in the case of a brand name drug, the wholesale acquisition cost, listed as cost per days supply and cost per dosage unit, on the date such drug was dispensed; and(BB) in the case of a generic drug, the average wholesale price, listed as cost per days supply and cost per dosage unit, on the date such drug was dispensed; and(bb) the total number of—(AA) prescription claims (including original prescriptions and refills);(BB) participants and beneficiaries for whom a claim for such drug was filed through the applicable dispensing channel;(CC) dosage units and dosage units per fill of such drug; and(DD) days supply of such drug per fill;(VII) the net price per course of treatment or single fill, such as a 30-day supply or 90-day supply to the plan or coverage after rebates, fees, alternative discounts, or other remuneration received from applicable entities;(VIII) the total amount of out-of-pocket spending by participants and beneficiaries on such drug, including spending through copayments, coinsurance, and deductibles, but not including any amounts spent by participants and beneficiaries on drugs not covered under the plan or coverage, or for which no claim is submitted under the plan or coverage;(IX) the total net spending on the drug;(X) the total amount received, or expected to be received, by the plan or issuer from any applicable entity in rebates, fees, alternative discounts, or other remuneration;(XI) the total amount received, or expected to be received, by the entity providing pharmacy benefit management services, from applicable entities, in rebates, fees, alternative discounts, or other remuneration from such entities—(aa) for claims

    The bill says: in part D (42 U.S.C. 300gg–111 et seq.), by adding at the end the following new section:

  8. 42 U.S.C. 300gg(a)(1)changedby H.R. 6703 Sec. 201(a)

    The bill says: in paragraph (1), by inserting "(other than section 2799A–11)" after "part D"; and

  9. 42 U.S.C. 300gg(a)(2)changedby H.R. 6703 Sec. 201(a)

    The bill says: in paragraph (2), by inserting "(other than section 2799A–11)" after "part D"; and

  10. 42 U.S.C. 300gg(b)(1)changedby H.R. 6703 Sec. 201(a)

    The bill says: in paragraph (1), by inserting "(other than section 2799A–11)" after "part D";

  11. 42 U.S.C. 300gg(b)(2)(A)changedby H.R. 6703 Sec. 201(a)

    The bill says: in paragraph (2)(A), by inserting "(other than section 2799A–11)" after "part D"; and

  12. 42 U.S.C. 300gg(b)(2)(C)(ii)changedby H.R. 6703 Sec. 201(a)

    The bill says: in paragraph (2)(C)(ii), by inserting "(other than section 2799A–11)" after "part D".

  13. 29 U.S.C. 1021added 726by H.R. 6703 Sec. 201(b)

    726 Oversight of entities that provide pharmacy benefit management services.—(a) In general.— For plan years beginning on or after the date that is 30 months after the date of enactment of this section (referred to in this subsection and subsection (b) as the "effective date"), a group health plan or a health insurance issuer offering group health insurance coverage, or an entity providing pharmacy benefit management services on behalf of such a plan or issuer, shall not enter into a contract, including an extension or renewal of a contract, entered into on or after the effective date, with an applicable entity unless such applicable entity agrees to—(1) not limit or delay the disclosure of information to the group health plan (including such a plan offered through a health insurance issuer) in such a manner that prevents an entity providing pharmacy benefit management services on behalf of a group health plan or health insurance issuer offering group health insurance coverage from making the reports described in subsection (b); and(2) provide the entity providing pharmacy benefit management services on behalf of a group health plan or health insurance issuer relevant information necessary to make the reports described in subsection (b).(b) Reports.—(1) In general.— For plan years beginning on or after the effective date, in the case of any contract between a group health plan or a health insurance issuer offering group health insurance coverage offered in connection with such a plan and an entity providing pharmacy benefit management services on behalf of such plan or issuer, including an extension or renewal of such a contract, entered into on or after the effective date, the entity providing pharmacy benefit management services on behalf of such a group health plan or health insurance issuer, not less frequently than every 6 months (or, at the request of a group health plan, not less frequently than quarterly, and under the same conditions, terms, and cost of the semiannual report under this subsection), shall submit to the group health plan a report in accordance with this section. Each such report shall be made available to such group health plan in plain language, in a machine-readable format, and as the Secretary may determine, other formats. Each such report shall include the information described in paragraph (2).(2) Information described.— For purposes of paragraph (1), the information described in this paragraph is, with respect to drugs covered by a group health plan or group health insurance coverage offered by a health insurance issuer in connection with a group health plan during each reporting period—(A) in the case of a group health plan that is offered by a specified large employer or that is a specified large plan, and is not offered as health insurance coverage, or in the case of health insurance coverage for which the election under paragraph (3) is made for the applicable reporting period—(i) a list of drugs for which a claim was filed and, with respect to each such drug on such list—(I) the contracted compensation paid by the group health plan or health insurance issuer for each covered drug (identified by the National Drug Code) to the entity providing pharmacy benefit management services or other applicable entity on behalf of the group health plan or health insurance issuer;(II) the contracted compensation paid to the pharmacy, by any entity providing pharmacy benefit management services or other applicable entity on behalf of the group health plan or health insurance issuer, for each covered drug (identified by the National Drug Code);(III) for each such claim, the difference between the amount paid under subclause (I) and the amount paid under subclause (II);(IV) the proprietary name, established name or proper name, and National Drug Code;(V) for each claim for the drug (including original prescriptions and refills) and for each dosage unit of the drug for which a claim was filed, the type of dispensing channel used to furnish the drug, including retail, mail order, or specialty pharmacy;(VI) with respect to each drug dispensed, for each type of dispensing channel (including retail, mail order, or specialty pharmacy)—(aa) whether such drug is a brand name drug or a generic drug, and—(AA) in the case of a brand name drug, the wholesale acquisition cost, listed as cost per days supply and cost per dosage unit, on the date such drug was dispensed; and(BB) in the case of a generic drug, the average wholesale price, listed as cost per days supply and cost per dosage unit, on the date such drug was dispensed; and(bb) the total number of—(AA) prescription claims (including original prescriptions and refills);(BB) participants and beneficiaries for whom a claim for such drug was filed through the applicable dispensing channel;(CC) dosage units and dosage units per fill of such drug; and(DD) days supply of such drug per fill;(VII) the net price per course of treatment or single fill, such as a 30-day supply or 90-day supply to the plan or coverage after rebates, fees, alternative discounts, or other remuneration received from applicable entities;(VIII) the total amount of out-of-pocket spending by participants and beneficiaries on such drug, including spending through copayments, coinsurance, and deductibles, but not including any amounts spent by participants and beneficiaries on drugs not covered under the plan or coverage, or for which no claim is submitted under the plan or coverage;(IX) the total net spending on the drug;(X) the total amount received, or expected to be received, by the plan or issuer from any applicable entity in rebates, fees, alternative discounts, or other remuneration;(XI) the total amount received, or expected to be received, by the entity providing pharmacy benefit management services, from applicable entities, in rebates, fees, alternative discounts, or other remuneration from such entities—(aa) for claims incur

    The bill says: in subpart B of part 7 (29 U.S.C. 1185 et seq.), by adding at the end the following:

  14. 29 U.S.C. 1021(a)(6)changedby H.R. 6703 Sec. 201(b)

    The bill says: in subsection (a)(6), by striking "or (9)" and inserting "(9), or (13)";

  15. 29 U.S.C. 1021(b)(3)changedby H.R. 6703 Sec. 201(b)

    The bill says: in subsection (b)(3), by striking "under subsection (c)(9)" and inserting "under paragraphs (9) and (13) of subsection (c)"; and

  16. 29 U.S.C. 1021(c)added (13)by H.R. 6703 Sec. 201(b)

    (13) Secretarial enforcement authority relating to oversight of pharmacy benefit management services.—(A) Failure to provide information.— The Secretary may impose a penalty against a plan administrator of a group health plan, a health insurance issuer offering group health insurance coverage, or an entity providing pharmacy benefit management services on behalf of such a plan or issuer, or an applicable entity (as defined in section 726(f)) that violates section 726(a); an entity providing pharmacy benefit management services on behalf of such a plan or issuer that fails to provide the information required under section 726(b); or any person who causes a group health plan to fail to provide the information required under section 726(c), in the amount of $10,000 for each day during which such violation continues or such information is not disclosed or reported.(B) False information.— The Secretary may impose a penalty against a plan administrator of a group health plan, a health insurance issuer offering group health insurance coverage, an entity providing pharmacy benefit management services, or an applicable entity (as defined in section 726(f)) that knowingly provides false information under section 726, in an amount not to exceed $100,000 for each item of false information. Such penalty shall be in addition to other penalties as may be prescribed by law.(C) Waivers.— The Secretary may waive penalties under subparagraph (A), or extend the period of time for compliance with a requirement of this section, for an entity in violation of section 726 that has made a good-faith effort to comply with the requirements of section 726.

    The bill says: in subsection (c), by adding at the end the following:

  17. 29 U.S.C. 1021changedby H.R. 6703 Sec. 201(b)

    The bill says: in section 732(a) (29 U.S.C. 1191a(a)), by striking "section 711" and inserting "sections 711 and 726".

  18. 29 U.S.C. 1001addedby H.R. 6703 Sec. 201(b)

    The bill says: The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.) is amended by inserting after the item relating to section 725 the following new item:

  19. 26 U.S.C. 9831(a)(2)a new sectionchangedby H.R. 6703 Sec. 201(c)

    (2) other than with respect to section 9826, any group health plan for any plan year if, on the first day of such plan year, such plan has less than 2 participants who are current employees.

    The bill says: Section 9831(a)(2) of the Internal Revenue Code of 1986 is amended by inserting "other than with respect to section 9826," before "any group health plan".

  20. 26 U.S.C. 4980Dadded (g)by H.R. 6703 Sec. 201(c)

    (g) Application to requirements imposed on certain entities providing pharmacy benefit management services.— In the case of any requirement under section 9826 that applies with respect to an entity providing pharmacy benefit management services on behalf of a group health plan, any reference in this section to such group health plan (and the reference in subsection (e)(1) to the employer) shall be treated as including a reference to such entity.

    The bill says: Section 4980D of the Internal Revenue Code of 1986 is amended by adding at the end the following new subsection:

  21. 42 U.S.C. 18071added (h)by H.R. 6703 Sec. 202

    (h) Funding.—(1) In general.— There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.(2) Limitation.—(A) In general.— The amounts appropriated under paragraph (1) may not be used for purposes of making payments under this section for a qualified health plan that provides health benefit coverage that includes coverage of abortion.(B) Exception.— Subparagraph (A) shall not apply to payments for a qualified health plan that provides coverage of abortion only if necessary to save the life of the mother or if the pregnancy is a result of an act of rape or incest.

    The bill says: Section 1402 of the Patient Protection and Affordable Care Act (42 U.S.C. 18071) is amended by adding at the end the following new subsection:

From the bill's official text on GovInfo and the U.S. Code, 2024 edition, which may not yet show changes made since.

Bill text used: Introduced in House (Dec. 15, 2025); the House passed it on Dec. 17, 2025 under a closed rule, and no House-passed (engrossed) text has been published yet · updated Oct 28, 2026

This breakdown was drafted by AI from the official documents and passed our automatic checks: every quoted word was found in its source, and every number comes from an official record. Because this bill is high-profile, two people with different politics must review it before we mark it reviewed. Tap any small number to see the exact words a sentence rests on.

At a glance

Sourced
  • This health bill lets small businesses and self-employed people join together to buy coverage, called association health plans.
    2,6A group or association of employers may maintain a group health plan, regardless of whether the employers composing such group or association are in the same industry, trade, or profession[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)By expanding association health plans, we give small businesses and self-employed workers the buying power of large employers, cutting premiums by as much as 30 percent.[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5968, Rep. Miller-Meeks
  • It writes into law a way for employers to give workers money to buy their own plan.
    2which is an employer-provided group health plan funded solely by employer contributions to provide payments or reimbursements for medical care subject to a maximum fixed dollar amount for a period[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(B)(i)under individual health insurance coverage[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(B)(ii)(I)
  • It makes drug middlemen report their pay and rebates to job-based health plans.
    2not less frequently than every 6 months (or, at the request of a group health plan, not less frequently than quarterly[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(1)the total amount received, or expected to be received, by the entity providing pharmacy benefit management services, from applicable entities, in rebates, fees, alternative discounts, or other remuneration[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(2)(A)(i)(XI)
  • It funds ACA cost-sharing payments from 2027, but not for plans that cover abortion beyond the life of the mother, rape or incest.
    2There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(1)may not be used for purposes of making payments under this section for a qualified health plan that provides health benefit coverage that includes coverage of abortion[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(2)(A)only if necessary to save the life of the mother or if the pregnancy is a result of an act of rape or incest[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(2)(B)
  • It does not extend the larger ACA tax credits, which were set to expire at the end of the month the House voted. That was the main fight in the debate.
    6extend the Affordable Care Act tax credits which are scheduled to expire at the end of this month[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5971, Rep. Jeffriesthe premium tax credits continue and revert back to their 2021 levels[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5968, Rep. Miller-Meeks
  • The House passed it 216 to 211 on December 17, 2025. The Senate has not acted.
    12025-12-17 18:27:54 | House floor actions | On passage Passed by the Yeas and Nays: 216 - 211 (Roll no. 349).[1] Official bill status record (actions, votes, cosponsors) · Actions, December 17, 20252025-12-18 | Senate | Received in the Senate.[1] Official bill status record (actions, votes, cosponsors) · Actions, December 18, 2025

What it would mean for you

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If you buy insurance on the ACA marketplace

Lower list prices, but no extension of the bigger tax credits

If you own a small business or work for yourself

You could join an association health plan

  • Employers in different lines of work could band together to offer one plan.
    2A group or association of employers may maintain a group health plan, regardless of whether the employers composing such group or association are in the same industry, trade, or profession[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)
  • The group must have existed for 2 years for some other purpose, and cover at least 51 workers.
    2have existed for at least 2 years prior to offering a group health plan to the employees of such group or association[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iii)have been formed and maintained in good faith for purposes other than providing health insurance coverage through a group health plan[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(i)to at least 51 employees; and[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iv)(I)
  • It cannot turn people away for pre-existing conditions.
    2deny coverage under such plan on the basis of a pre-existing condition[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(3)(C)
  • Your business's share of the cost could still depend on its own risk profile.
    2utilize the specific risk profile of each employer member of such group or association to determine contribution rates for each such employer member’s share of a premium[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(b)(1)(B)

If your employer offers you money for health coverage

A way to shop for your own plan would be in law

  • Employers could fund an account you use to buy your own plan, with amounts allowed to rise with age, up to 300 percent of the lowest amount.
    2which is an employer-provided group health plan funded solely by employer contributions to provide payments or reimbursements for medical care subject to a maximum fixed dollar amount for a period[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(B)(i)increases with respect to a participant as the age of the participant increases, but not in excess of an amount equal to 300 percent of the lowest maximum dollar amount[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(C)(v)(II)
  • You would get written notice of your rights at least 60 days before the plan year.
    2not later than 60 days before the beginning of the plan year, given written notice of the employee’s rights and obligations[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(E)(i)

If you get prescriptions through job-based coverage

Your plan would see what the middlemen earn

  • Pharmacy benefit managers would report to your plan at least every 6 months, including rebates they receive.
    2not less frequently than every 6 months (or, at the request of a group health plan, not less frequently than quarterly[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(1)the total amount received, or expected to be received, by the entity providing pharmacy benefit management services, from applicable entities, in rebates, fees, alternative discounts, or other remuneration[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(2)(A)(i)(XI)

If you live in Iowa

Your representative wrote it, and all four Iowa House members voted yes

What this bill does not do

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Current law vs. the bill

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Every place the bill changes existing law. On the left, the law as it stands today, quoted from the U.S. Code. On the right, the bill's words.

29 U.S.C. 1002(5) (ERISA definition of employer)Adds words

Current law

and includes a group or association of employers acting for an employer in such capacity
8and includes a group or association of employers acting for an employer in such capacity[8] 29 U.S.C. 1002, Definitions (ERISA) (U.S. Code, 2024 edition, before this bill) · (5)

Associations could act for employers, but the law did not set rules for association health plans.

The bill

including, for the purpose of establishing or maintaining a group health plan, a group or association of employers that satisfies the requirements of section 736(a)
2including, for the purpose of establishing or maintaining a group health plan, a group or association of employers that satisfies the requirements of section 736(a)[2] Introduced in House (December 15, 2025) · Sec. 101(a)
In plain words: Associations that meet the new rules would count as employers that can sponsor a health plan.
2including, for the purpose of establishing or maintaining a group health plan, a group or association of employers that satisfies the requirements of section 736(a)[2] Introduced in House (December 15, 2025) · Sec. 101(a)
29 U.S.C. 1191b(b)(1)Adds a sentence

Current law

The term health insurance coverage means benefits consisting of medical care
10The term health insurance coverage means benefits consisting of medical care[10] 29 U.S.C. 1191b, Definitions (ERISA group health plans) (U.S. Code, 2024 edition, before this bill) · (b)(1)

The definition of health insurance coverage did not mention stop-loss policies.

The bill

Such term shall not include a stop-loss policy obtained by a self-insured group health plan or a plan sponsor of a group health plan that self-insures the health risks of its plan participants
2Such term shall not include a stop-loss policy obtained by a self-insured group health plan or a plan sponsor of a group health plan that self-insures the health risks of its plan participants[2] Introduced in House (December 15, 2025) · Sec. 102(a)
In plain words: Stop-loss policies for self-insured employers would not count as health insurance.
2Such term shall not include a stop-loss policy obtained by a self-insured group health plan or a plan sponsor of a group health plan that self-insures the health risks of its plan participants[2] Introduced in House (December 15, 2025) · Sec. 102(a)
2 more changes side by side
26 U.S.C. 9815(b)Adds a paragraph

Current law

Notwithstanding subsection (a), the provisions of sections 2716 and 2718 of title XXVII of the Public Health Service Act
9Notwithstanding subsection (a), the provisions of sections 2716 and 2718 of title XXVII of the Public Health Service Act[9] 26 U.S.C. 9815, Additional market reforms (U.S. Code, 2024 edition, before this bill) · (b)

The exception covered only self-insured plans.

The bill

a custom health option and individual care expense arrangement shall be treated as meeting the requirements of section 9802
2a custom health option and individual care expense arrangement shall be treated as meeting the requirements of section 9802[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(A)
In plain words: Employer accounts for buying individual plans would be treated as meeting ACA plan rules.
2a custom health option and individual care expense arrangement shall be treated as meeting the requirements of section 9802[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(A)
42 U.S.C. 18071 (ACA cost-sharing reductions)Adds a subsection

Current law

New: nothing here today.

The bill

There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.
2There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(1)
In plain words: Adds standing funding for cost-sharing payments from 2027, with the abortion limit.
2There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(1)may not be used for purposes of making payments under this section for a qualified health plan that provides health benefit coverage that includes coverage of abortion[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(2)(A)

What the bill decides, and what it leaves to others

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Written into the bill

These take effect exactly as written.

  • Association plan rules, such as 2 years in existence and at least 51 workers, are set in the bill.
    2have existed for at least 2 years prior to offering a group health plan to the employees of such group or association[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iii)to at least 51 employees; and[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iv)(I)
  • Cost-sharing payments start with plan years on or after January 1, 2027.
    2There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(1)
  • Drug middlemen reports are due at least every 6 months.
    2not less frequently than every 6 months (or, at the request of a group health plan, not less frequently than quarterly[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(1)

Left to agencies or states

The real effect depends on rules someone else writes later.

  • The Treasury, Health and Labor departments must update their rules on employer health accounts.
    2shall modify such rules as may be necessary to conform to the amendments made by this subsection[2] Introduced in House (December 15, 2025) · Sec. 103(a)(2)(B)
  • States can still limit how association plans set premiums.
    2may, to the extent not prohibited under State law[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(b)(1)

Section by section

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Read all 6 sections in plain words
Sec. 1 Short title
Names the bill the Lower Health Care Premiums for All Americans Act.
2This Act may be cited as the Lower Health Care Premiums for All Americans Act.[2] Introduced in House (December 15, 2025) · Sec. 1
Sec. 101 Association health plans
Employers, even in different industries, may form a group plan if the group meets set rules.
2A group or association of employers may maintain a group health plan, regardless of whether the employers composing such group or association are in the same industry, trade, or profession[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)
Rules: formed in good faith for another purpose, at least 2 years old, open to at least 51 workers, and not owned by an insurer.
2have been formed and maintained in good faith for purposes other than providing health insurance coverage through a group health plan[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(i)have existed for at least 2 years prior to offering a group health plan to the employees of such group or association[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iii)to at least 51 employees; and[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iv)(I)be controlled or owned by a health insurance issuer[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(C)(ii)
No health-based membership rules or pre-existing condition denials, but each employer's share can reflect its risk.
2may not condition the membership of an employer in the group or association on any health status-related factor[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(D)deny coverage under such plan on the basis of a pre-existing condition[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(3)(C)utilize the specific risk profile of each employer member of such group or association to determine contribution rates for each such employer member’s share of a premium[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(b)(1)(B)
Self-employed people who work at least 10 hours a week can join.
2works at least 10 hours a week, or 40 hours per month, providing personal services to such trade or business[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(f)(2)(D)
Sec. 102 Stop-loss insurance
Stop-loss policies that protect self-insured employers from big claims would not count as health insurance.
2Such term shall not include a stop-loss policy obtained by a self-insured group health plan or a plan sponsor of a group health plan that self-insures the health risks of its plan participants[2] Introduced in House (December 15, 2025) · Sec. 102(a)
States could not block employers from buying such protection.
2shall preempt State laws insofar as they may now or hereafter prevent an employee benefit plan that is a group health plan from insuring against the risk of excess or unexpected health plan claims losses[2] Introduced in House (December 15, 2025) · Sec. 102(b) → inserted (10)
Sec. 103 CHOICE arrangements
Writes employer accounts for buying individual plans into law, building on 2019 rules.
2which is an employer-provided group health plan funded solely by employer contributions to provide payments or reimbursements for medical care subject to a maximum fixed dollar amount for a period[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(B)(i)a custom health option and individual care expense arrangement shall be treated as meeting the requirements of section 9802[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(A)the rules prescribed in the Federal Register on June 20, 2019[2] Introduced in House (December 15, 2025) · Sec. 103(a)(2)(A)(i)
Lets workers in these accounts pay marketplace premiums before taxes.
2Subparagraph (A) shall not apply in the case of an employee participating in a custom health option and individual care expense arrangement[2] Introduced in House (December 15, 2025) · Sec. 103(a)(3) → inserted (C)
Sec. 201 Pharmacy benefit managers
About 30 months after enactment, drug middlemen must send plans reports every 6 months on drug costs, the gap between what plans and pharmacies are paid, and rebates.
2For plan years beginning on or after the date that is 30 months after the date of enactment of this section[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(a)not less frequently than every 6 months (or, at the request of a group health plan, not less frequently than quarterly[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(1)for each such claim, the difference between the amount paid under subclause (I) and the amount paid under subclause (II)[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(2)(A)(i)(III)the total amount received, or expected to be received, by the entity providing pharmacy benefit management services, from applicable entities, in rebates, fees, alternative discounts, or other remuneration[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(b)(2)(A)(i)(XI)
Knowingly false reports bring civil fines.
2that knowingly provides false information under this section shall be subject to a civil[2] Introduced in House (December 15, 2025) · Sec. 201 → inserted 2799A–11(d)(3)
Sec. 202 Cost-sharing reduction payments
Provides ongoing money for ACA cost-sharing payments starting with 2027 plans.
2There are appropriated out of any monies in the Treasury not otherwise appropriated such sums as may be necessary for purposes of making payments under this section for plan years beginning on or after January 1, 2027.[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(1)
The money cannot go to plans that cover abortion, except to save the mother's life or in cases of rape or incest.
2may not be used for purposes of making payments under this section for a qualified health plan that provides health benefit coverage that includes coverage of abortion[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(2)(A)only if necessary to save the life of the mother or if the pregnancy is a result of an act of rape or incest[2] Introduced in House (December 15, 2025) · Sec. 202 → inserted (h)(2)(B)

What changed between versions

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1 step, from first draft to final text

From the House bill as introduced to the House-passed text

No changes to the wording.

Cost

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Analysis

Analysis

Every bill gets the same five questions. Arguments are attributed to the people who made them, and each side gets about the same space.

Path to law

Balance of power

Coalitions

Precedent

  • Employer accounts for buying individual plans exist today under 2019 rules; this would put them in law.
    2the rules prescribed in the Federal Register on June 20, 2019[2] Introduced in House (December 15, 2025) · Sec. 103(a)(2)(A)(i)a custom health option and individual care expense arrangement shall be treated as meeting the requirements of section 9802[2] Introduced in House (December 15, 2025) · Sec. 103 → inserted (2)(A)

The strongest case on each side

For

  • Association plans give small businesses the buying power of big employers, cutting premiums by as much as 30 percent.
    6By expanding association health plans, we give small businesses and self-employed workers the buying power of large employers, cutting premiums by as much as 30 percent.[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5968, Rep. Miller-Meeks
    Rep. Mariannette Miller-Meeks (R-IA), sponsor
  • Drug middleman reports let families see where their health care dollars go.
    6Our reforms force transparency so families can finally see where their healthcare dollars go and pay less at the pharmacy counter.[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5968, Rep. Miller-Meeks
    Rep. Mariannette Miller-Meeks (R-IA), sponsor
  • CBO's 11 percent premium cut beats the 5 percent from extending Democrats' subsidies, and helps more than the 7 percent on the marketplace.
    6The Congressional Budget Office estimates this plan will lower premiums by 11 percent compared to just 5 percent from the Democratic subsidies.[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5967, Rep. GuthrieThese policies will also lower healthcare costs for all Americans, not just the roughly 7 percent enrolled in the ObamaCare marketplace.[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5967, Rep. Guthrie
    Rep. Brett Guthrie (R-KY), chairman, Energy and Commerce
  • Small businesses and the self-employed could band together like large companies to lower costs.
    6allows small businesses and self-employed Americans to band together, like large companies, to lower costs and deliver high-quality coverage[6] Congressional Record, House, December 17, 2025 (H5956-H5978), debate · H5974, Rep. Walberg
    Rep. Tim Walberg (R-MI), chairman, Education and Workforce

Against

Did this make sense?

Sourced

Three quick questions. Your answers are anonymous and tell us which breakdowns need clearer writing.

1. Does this bill extend the enhanced ACA premium tax credits?
2. What did CBO estimate about benchmark premiums?
3. How did the House vote?

How this was checked

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4 checks
  • Automatic: every quote matched its source; every number matched an official record.
  • CBO and JCT estimate (Dec. 16, 2025): Hand-recorded excerpts; CBO's site blocks automatic download, so an editor must confirm them. CBO scored the introduced text.
  • House-passed text: No engrossed version is on GovInfo yet. The House considered the bill under a closed rule; the text printed in the Congressional Record for the debate matched the introduced version on every provision spot-checked. A reviewer should confirm against the engrossed text once GovInfo publishes it.
  • Floor debate (H5956-H5978): Arguments on both sides are quoted from the Congressional Record; the 'For' side includes the sponsor and two committee chairs, the 'Against' side two ranking members and one Republican who voted yes but criticized the bill.

Spot an error? See our corrections log and how to report one

Sources

Sourced
All 10 sources
  1. Official bill status record (actions, votes, cosponsors) · Official bill record · retrieved Oct 28, 2026
  2. Introduced in House (December 15, 2025) · Bill text · retrieved Oct 28, 2026
  3. CBO and JCT: Estimated Budgetary Effects of H.R. 6703, as introduced (December 16, 2025) · Congressional Budget Office · retrieved Oct 28, 2026 · excerpts recorded by hand, awaiting confirmation
  4. House roll call 349 (December 17, 2025) · Roll call vote · retrieved Oct 28, 2026
  5. House roll call 348 (December 17, 2025) · Roll call vote · retrieved Oct 28, 2026
  6. Congressional Record, House, December 17, 2025 (H5956-H5978), debate · Congressional Record · retrieved Oct 28, 2026
  7. Congressional Record, House, December 17, 2025 (H6006-H6008), final votes · Congressional Record · retrieved Oct 28, 2026
  8. 29 U.S.C. 1002, Definitions (ERISA) (U.S. Code, 2024 edition, before this bill) · U.S. Code (current law) · retrieved Oct 28, 2026
  9. 26 U.S.C. 9815, Additional market reforms (U.S. Code, 2024 edition, before this bill) · U.S. Code (current law) · retrieved Oct 28, 2026
  10. 29 U.S.C. 1191b, Definitions (ERISA group health plans) (U.S. Code, 2024 edition, before this bill) · U.S. Code (current law) · retrieved Oct 28, 2026

Official summary

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The Congressional Research Service hasn't published a summary of this bill yet. They usually follow within weeks of introduction.

What has happened

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  1. Dec 17, 2025Passed/agreed to in House: On passage Passed by the Yeas and Nays: 216 - 211 (Roll no. 349). Roll call recordLibrary of Congress
  2. Dec 15, 2025Introduced in HouseLibrary of Congress

Show all 19 recorded actions

Recorded votes

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  1. Dec 17, 2025 · HousePassed 216–211
    On Passage · needed a majority
    R 216 yes, 1 noD 0 yes, 210 noEach member · Record
1 other recorded vote (procedure and amendments)
  1. Dec 17, 2025 · HouseFailed 210–218
    On Motion to Recommit · needed a majority
    R 0 yes, 218 noD 210 yes, 0 noEach member · Record