H.R. 8840

Fair Care Act of 2026

Sponsor: Bruce Westerman · 0 cosponsors

Where it stands

Introduced May 14
Committee Now
House of Representatives —
Senate —
Law —

Introduced May 14
Committee Now
House of Representatives —
Senate —
Law —

Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, Education and Workforce, the Judiciary, Oversight and Government Reform, Rules, the Budget, Armed Services, and House Administration, 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. (May 14)

Votes

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Official summary

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Text of the bill

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Sec. 1. Short title; table of contents

I Modernization of health savings accounts

A Modernization of health savings accounts and contributions

Sec. 101. Modernization of health savings accounts

Sec. 102. Unused premium tax credits may be deposited in health savings accounts

Sec. 103. Health Reimbursement Arrangements and Other Account-Based Group Health Plans

Sec. 104. Cost-sharing reduction payments as eligible contributions

B Assistance to health savings accounts

Sec. 111. One-time application of saver’s credit to contributions to health savings accounts

Sec. 112. Grants for health savings account assistance and outreach

Sec. 113. New corporations required to use health savings accounts

Sec. 114. Federal employee health benefits and health savings accounts

II Improving Private Health Insurance

A Maintaining Protections for Patients with Preexisting Conditions

Sec. 201. Guaranteed availability of coverage; prohibiting discrimination

B Expanding Coverage Options

Sec. 211. Definition of employer under ERISA with respect to group health plans

Sec. 212. Short-term limited duration insurance

C Improving Commercial Health Insurance

Sec. 221. Invisible Guaranteed Coverage Pool Reinsurance Program; tax on exchange plans

Sec. 222. Employer health insurance mandate repeal

Sec. 223. Refundable credits for coverage under a qualified health plan for individuals offered employer-sponsored insurance

Sec. 224. Inclusion in income of certain costs of employer-provided coverage under health plans

Sec. 225. Change in permissible age variation in health insurance premium rates

Sec. 226. Premium assistance adjustment to reflect age

Sec. 227. Premium assistance

Sec. 228. Adding copper plans to Exchanges

(a) In general. Section 1302 of the Patient Protection and Affordable Care Act (42 U.S.C. 18022) is amended—

(1) in subsection (a)(3), by inserting copper, after either the;

(2) in subsection (c), by adding at the end the following new paragraph:

Text this section adds to the law

(5) Special rule for copper plans. A health plan in the copper level of coverage (as described in subsection (d)(1)(E)) shall be deemed to meet the requirements of this subsection.

(3) in subsection (d)—

(A) in paragraph (1), by adding at the end the following new subparagraph:

Text this section adds to the law

(E) Copper level. A plan in the copper level shall provide a level of coverage that is designed to provide benefits that are actuarially equivalent to 50 percent of the full actuarial value of the benefits provided under the plan and will have out-of-pocket limits that are 30 percent higher than bronze plans.

; and

(B) in paragraph (4)—

(i) by inserting copper, after any reference to a; and

(ii) by inserting copper, after providing a; and

(4) in subsection (e)(1), by inserting copper, after not providing a.

(b) Effective date. The amendments made by this section shall apply with respect to plan years beginning on or after January 1, 2026.

Sec. 229. Copper and bronze plans

Sec. 230. Waivers for State innovation

Sec. 231. Enrollment periods

Sec. 232. State-operated Exchanges flexibility for open enrollment periods

Sec. 233. Promoting health plans that cover individuals in more than one State

III Competition, Transparency and Accountability