Bills · HR 6232
IN COMMITTEE· 119TH CONGRESS
House BillHR 6232Health
HOPE Act
INTRO NOV 20· LAST ACTION NOV 20
READING
16MIN
COSPONSORS
9BIPARTISAN
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-writtenVoters should care about this bill because it directly impacts the affordability and integrity of health insurance coverage. If it becomes law, millions of Americans could avoid a significant increase in their health insurance premiums that would otherwise occur when the current enhanced tax credits expire at the end of 2025. This means more people might be able to afford comprehensive health coverage, reducing the number of uninsured and protecting families from unexpected medical costs.
Beyond affordability, the bill aims to reduce fraud within the health insurance marketplaces. By implementing stricter penalties for agents and brokers who provide false information and requiring new verification processes, it seeks to ensure that taxpayer money is used appropriately and that individuals receive the correct coverage based on accurate information. This could lead to a more trustworthy and efficient healthcare enrollment system, benefiting all participants by reducing waste and abuse.
KEY PROVISIONS
5AI-extractedPROVISION 01
Extends the enhanced premium tax credit for two additional years, specifically for taxable years beginning after December 31, 2025, and before January 1, 2028.
This provision prevents a hike in health insurance costs for millions of Americans who rely on financial assistance to afford their marketplace plans.
PROVISION 02
Modifies the income tiers and raises the income cap for premium tax credit eligibility to 935% of the poverty line for the extended period.
More middle-income individuals and families will continue to qualify for financial help, preventing them from facing high unsubsidized premiums.
PROVISION 03
Establishes new civil penalties for insurance agents and brokers who negligently or knowingly provide incorrect or false information during marketplace enrollment, with fines up to $200,000 per individual.
This creates stronger deterrents against misrepresentation and fraud by agents, aiming to protect consumers and taxpayer funds.
PROVISION 04
Introduces criminal penalties, including fines and up to 10 years imprisonment, for agents or brokers who knowingly and willfully provide false or fraudulent enrollment information.
This provision addresses severe cases of fraud with serious consequences, reinforcing the commitment to marketplace integrity.
PROVISION 05
Requires a verification process for new enrollments and coverage changes submitted by agents or brokers in federal-run health insurance marketplaces.
This adds an extra layer of scrutiny to ensure the accuracy of enrollment information and to prevent fraudulent sign-ups.
SPONSORSHIP
1 + 9
D· New York
YRS IN OFFICE
9
BILLS LED
26
COSPONSOR BREAKDOWNBIPARTISAN · 88%
DEM 5 REP 4 IND 0
ACTION TIMELINE
2 EVENTSNOV 20
Introduced in House
NOV 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 6232
Congress119th
StatusIn Committee
IntroducedNov 20, 2025
Last actionNov 20, 2025
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED NOV 20, 2025
House BillHR 6232Health
HOPE Act
INTRODUCED NOV 20, 2025· LAST ACTION NOV 20, 2025
PASSAGE CHANCES
—%
READING
16 min
COSPONSORS
9
COMPLEXITY
Moderate
