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Moreno Delivers ‘Best and Final’ ACA Subsidy Offer to Senate Democrats

The draft pairs a short extension with conservative guardrails.

Overview

  • Semafor obtained the text showing a one-year revival of the enhanced premium tax credits, with an option to allow Health Savings Accounts after 2026.
  • The proposal sets a $5 minimum monthly premium, extends marketplace enrollment to March 31, and adds tougher penalties for fraud.
  • It caps subsidies at 700% of the federal poverty level, bars benefits for people not lawfully present, and includes cost-sharing reduction payments.
  • Moreno adds audits of Hyde Amendment compliance with potential penalties for insurers, a step some Republicans question given past GAO reviews.
  • Moreno says the plan represents the most he can sell to Republicans and is not yet a conference position, while Democratic leaders continue to seek a clean extension as time grows short.