12/14/2025
THE HEALTH INSURANCE PREMIUM STABILIZATION AND MODERNIZATION ACT
To everyone concerned about your premium cost for ACA will soon skyrocket.
I won't say,myself and millions "told you" this would happen.
Now you have a chance to actually do something about it. Whining, complaining, pointing fingers accomplish nothing!
I've authored the following as the first step of my 2 step plan. Nobody has this! Congress has NOT proposed this and won't, because they don't care. Time for the people to act as their own advocates!
THE HEALTH INSURANCE PREMIUM STABILIZATION AND MODERNIZATION ACT
Full document is on iwriteyoushare.com
Emergency legislation to deal with ACA subsidies ending. The following is intended for IMMEDIATE ACTION! This Act is the predecessor of my comprehensive act the Healthcare Market Liberation and Plan B Reduction Act
all my work is on iwriteyoushare.com or citizensagainsttyranny.net
[email protected]
The Emergency Act: The Premium Crisis Solution
This Act is the immediate, temporary measure that permanently establishes the FSB and provides 24 months of consumer protection, overriding all prior FPL-based systems.
THE HEALTH INSURANCE PREMIUM STABILIZATION AND MODERNIZATION ACT
SEC. 101. FINDINGS AND PURPOSE.
(a) Findings. Congress finds that the scheduled expiration of enhanced premium tax credits on December 31, 2025, will cause average premium payments to more than double, creating an immediate financial crisis for millions of working families.
(b) Purpose. To stabilize the health insurance market and prevent premium shock by enacting immediate affordability protections and permanently codifying the Federal Stability Baseline (FSB) as a superior measure for economic assistance. This Act is intended as an interim, 24-month stopgap measure to maintain consumer stability while Congress considers and passes comprehensive structural reform legislation.
SEC. 102. PERMANENT ESTABLISHMENT OF FEDERAL STABILITY BASELINE.
(a) Establishment. A new Federal Stability Baseline (FSB) is permanently established in law at $3,000 per month for individuals and $5,000 per month for households with two or more dependents. The FSB shall be annually adjusted for inflation.
(b) Immediate Use. The FSB shall immediately replace the Federal Poverty Level (FPL) in determining eligibility for the Federal Stability Premium Assistance Program established in Section 103.
(c) Legal Permanence. The establishment and definition of the Federal Stability Baseline (FSB) in this section shall remain in full force and effect indefinitely, regardless of the sunset provision in Section 104.
SEC. 103. FEDERAL STABILITY PREMIUM ASSISTANCE PROGRAM.
(a) Zero-Premium Zone. For a period of 24 months beginning January 1, 2026, no qualified individual or household with a total income at or below 150% of the Federal Stability Baseline (FSB) shall be required to pay a monthly premium for the applicable benchmark Silver Plan.
(b) Universal Premium Rate Cap. For any qualified individual or household with a total income above 150% of the FSB, the required contribution towards the premium for the applicable benchmark Silver Plan shall not exceed six percent (6.0%) of the household's income.
(c) No Income Limit for Cap. The Universal Premium Rate Cap established in subsection (b) shall apply to all income levels without restriction. The former poverty-level-based income caps for premium assistance are hereby eliminated.
(d) Cost-Sharing Enhancement and Out-of-Pocket Cap.
Cost-sharing responsibilities (including deductibles, copayments, and coinsurance) are substantially reduced for all qualified individuals, utilizing the following two-tiered temporary out-of-pocket cap structure:
(1) Subsidized Cap (Up to 300% FSB). For all individuals and households with income at or below 300% of the FSB, the maximum annual out-of-pocket spending shall be capped at:
(A) $2,500 for an individual.
(B) $5,000 for a family.
(2) Universal Cap (Above 300% FSB). For all individuals and households with income above 300% of the FSB, the maximum annual out-of-pocket spending shall be temporarily capped at:
(A) $5,000 for an individual.
(B) $10,000 for a family.
SEC. 104. SUNSET AND EFFECTIVE DATE.
(a) Sunset Provision. The Federal Stability Premium Assistance Program established in Section 103 shall expire, and the provisions of law regarding premium tax credits shall revert to their pre-2021 status, on December 31, 2027.
(b) Effective Date. This Act shall take effect on January 1, 2026.
People, you can continue to complain or share this everywhere including to address below
https://www.whitehouse.gov/contact/