Bills · HR 7164
IN COMMITTEE· 119TH CONGRESS
House BillHR 7164Health
Capping Costs for Consumers Act of 2026
INTRO JAN 20· LAST ACTION JAN 20
READING
5MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it directly addresses the high cost of healthcare, which is a major concern for many American families. If passed, it would make health insurance and healthcare services significantly more affordable for those who rely on the ACA marketplaces, potentially easing financial stress and improving access to medical care. People might be able to afford better health plans that cover more of their medical costs.
Without this bill, the current financial assistance structure would remain in place, meaning many individuals would continue to face the existing premium costs and out-of-pocket expenses when seeking care. Its passage would mean a tangible increase in subsidies and reductions in out-of-pocket spending for eligible individuals, making healthcare more accessible and less burdensome financially.
KEY PROVISIONS
4AI-extractedPROVISION 01
Changes the benchmark for calculating premium tax credits from a 'silver' level health plan to a 'gold' level health plan.
This means that federal subsidies for monthly premiums would likely be larger, making health insurance more affordable for many.
PROVISION 02
Expands and makes cost-sharing reductions more generous by linking them to 'gold' level coverage instead of 'silver' level coverage.
This reduces the amount people have to pay out-of-pocket (like deductibles and co-pays) when they use their health insurance.
PROVISION 03
Adjusts income eligibility thresholds for specific levels of cost-sharing reductions, extending more generous help to higher income brackets.
More individuals and families with moderate incomes would qualify for significant reductions in their out-of-pocket healthcare costs.
PROVISION 04
Provides 'such sums as may be necessary' from the Treasury to fund the cost-sharing reduction payments.
This ensures that there is a dedicated and ongoing funding source for the expanded cost-sharing reductions.
SPONSORSHIP
1 + 1
D· Washington
YRS IN OFFICE
7
BILLS LED
23
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 1 REP 0 IND 0
ACTION TIMELINE
2 EVENTSJAN 20
Introduced in House
JAN 20
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
BILL INFO
TypeHouse Bill
NumberHR 7164
Congress119th
StatusIn Committee
IntroducedJan 20, 2026
Last actionJan 20, 2026
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED JAN 20, 2026
House BillHR 7164Health
Capping Costs for Consumers Act of 2026
INTRODUCED JAN 20, 2026· LAST ACTION JAN 20, 2026
PASSAGE CHANCES
—%
READING
5 min
COSPONSORS
1
COMPLEXITY
Moderate
