By: Quiver LegislationRadar
Posted: 3Â hours ago / Dec. 27, 2025 4:10 p.m. UTC
We have received text from H.R. 6501: Bipartisan Health Insurance Affordability Act. This bill was received on 2025-12-09, and currently has 22 cosponsors.
Here is a short summary of the bill:
The Bipartisan Health Insurance Affordability Act aims to make several significant changes to health insurance policies and practices, primarily affecting premium tax credits and the operations of health insurance exchanges. The key aspects of the bill include:
Extension and Modification of Premium Tax Credits
The bill seeks to extend and modify premium tax credits for individuals who purchase health insurance through federal or state exchanges. These changes will allow eligible individuals to benefit from lower premium costs and facilitate access to health insurance coverage. The bill also proposes an extended enrollment period for the plan year 2026, giving more opportunities for individuals to sign up for health insurance.
Enhancements in Health Insurance Exchanges
To improve the operation of health insurance exchanges, the bill includes various adjustments aimed at enhancing consumer protections. This includes measures that will help ensure the fair treatment of consumers in their choices of health plans. These changes aim to create a more user-friendly experience for individuals navigating insurance options.
Transparency and Accountability in Drug Pricing
One significant aspect of the bill focuses on pharmacy benefit managers (PBMs), who are responsible for managing prescription drug benefits on behalf of health insurers. The legislation mandates PBMs to provide comprehensive reports to Medicare detailing drug pricing, reimbursement rates, and their compensation models. This requirement is intended to promote transparency in the financial relationships between PBMs and the health care system.
Audits and Penalties for Non-Compliance
In addition to requiring robust reporting from PBMs, the bill establishes provisions for conducting audits of PBM practices. Should these entities fail to comply with the new transparency regulations, the bill outlines potential penalties. This approach aims to hold PBMs accountable and ensure ethical practices within the pharmaceutical benefit management industry.
Consumer Options and Health Savings Accounts
The legislation also includes provisions that benefit individuals eligible for health insurance through an Exchange. Key features include:
- Options to prepay health insurance premiums.
- Monthly contribution limitations to help manage individual expenses.
- Allowing advance premium tax credits to be directed into Health Savings Accounts (HSAs), which can help individuals save for medical expenses.
These provisions will take effect for taxable years commencing after December 31, 2025, and aim to enhance the financial flexibility of individuals managing their health insurance costs.
Implementation Timeline
The adjustments and new requirements outlined in the bill are set to be implemented after December 31, 2025. This timeline gives stakeholders, including health insurers, PBMs, and consumers, time to prepare for the changes.
Relevant Companies
-
MDT
(Medtronic): Potentially impacted due to increased transparency and accountability requirements regarding drug pricing and PBM practices. -
UNH
(UnitedHealth Group): As a major health insurer, changes to premium tax credits and exchange operations may affect their product offerings and enrollment strategies. -
ABC
(AmerisourceBergen): As a pharmaceutical distribution company, they may be influenced by the new transparency regulations imposed on PBMs and drug pricing.
Representative Brian K. Fitzpatrick Bill Proposals
Here are some bills which have recently been proposed by Representative Brian K. Fitzpatrick:
- H.R.6856: To impose sanctions and other measures with respect to the Russian Federation if the Government of the Russian Federation refuses to negotiate a peace agreement with Ukraine, violates any such agreement, or initiates another military invasion of Ukraine, and for other purposes.
- H.R.6637: To advance bipartisan priorities.
- H.R.6636: To advance sensible priorities.
- H.R.6501: Bipartisan Health Insurance Affordability Act
- H.R.6261: Fairness for 9/11 Families Technical Fix Act
- H.R.6187: Wojnovich Pipeline Safety Act of 2025
You can track bills proposed by Representative Brian K. Fitzpatrick on Quiver Quantitative’s politician page for Fitzpatrick.
Representative Brian K. Fitzpatrick Net Worth
Quiver Quantitative estimates that Representative Brian K. Fitzpatrick is worth $3.0M, as of December 27th, 2025. This is the 223rd highest net worth in Congress, per our live estimates.
Fitzpatrick has approximately $0 invested in publicly traded assets which Quiver is able to track live.
You can track Representative Brian K. Fitzpatrick’s net worth on Quiver Quantitative’s politician page for Fitzpatrick.
This article is not financial advice. See Quiver Quantitative’s disclaimers for more information.