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Contact Congress about H.R. 6575: CommonGround for Affordable Health Care Act

People who buy Affordable Care Act coverage could keep extra premium help for 2026. The bill also adds fraud checks for Marketplace enrollments and new rules for Medicare drug middlemen called pharmacy benefit managers.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

CommonGround for Affordable Health Care Act is a House bill in committee. The latest recorded action: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Rules, 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.

Latest action on H.R. 6575: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and Rules, 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.

Who this affects: This bill mainly affects people who buy their own health insurance through ACA Marketplaces, Medicare drug plans, PBMs, brokers, agents, insurers, pharmacies, and federal health agencies. It could change monthly premiums, enrollment steps, broker oversight, and how money moves through Medicare drug benefits.

Why this matters: This bill matters because it could affect what people pay for health insurance in 2026 and how closely Marketplace enrollments are checked. It also reaches into Medicare drug plans, where PBMs help decide how drug payments, rebates, and pharmacy terms work. The bill may improve oversight, but it also adds new paperwork and leaves the long-term premium tax credit question for later.

Key provisions in H.R. 6575

  • The bill keeps the larger Affordable Care Act premium tax credit through tax year 2026. People with income up to 1,000% of the federal poverty line could qualify, and expected premium payments would be capped at 0% to 10% of income.
  • The premium tax credit extension would apply only for tax years that start after December 31, 2025, and before January 1, 2027.
  • Agents and brokers could face new penalties for wrong or fraudulent Marketplace enrollment information. Fines could reach $50,000 per person for careless conduct and $200,000 per person for knowing fraud, with possible prison time up to 10 years.
  • Federal Marketplaces would have to verify enrollments and coverage changes submitted by agents or brokers. They would need proof that the consumer agreed, and commissions could be delayed until eligibility problems are fixed.
  • Marketplaces would have to send people plain-language notices about changes to their enrollment, coverage, agent of record, or premium tax credits. The notice must also explain how to cancel unauthorized activity.

How Modern Action helps you take action on H.R. 6575

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 6575

What is H.R. 6575?
People who buy Affordable Care Act coverage could keep extra premium help for 2026. The bill also adds fraud checks for Marketplace enrollments and new rules for Medicare drug middlemen called pharmacy benefit managers.
How do I support or oppose H.R. 6575?
Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.
Who should I contact about H.R. 6575?
Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.
Can Modern Action explain H.R. 6575 before I act?
Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.

Keep acting on Modern Action

More ways to act on this issue

Compare the broader issue and related bills without leaving Modern Action.

Related issues

  • Contact your reps on Hold ACA brokers and enrollment marketing networks accountableSet standards for agents, brokers, lead generators, field marketing organizations, and third-party enrollment companies, including best-interest duties, licensing and registration, audits, termination reports, suspended-broker lists, limits on paid leads, and delayed commissions when eligibility problems remain unresolved.
  • Contact your reps on Keep or revise ACA premium tax creditsExtend, modify, cap, or disclose enhanced ACA marketplace premium tax credits while deciding how subsidy design affects affordability, fraud incentives, and taxpayer exposure.
  • Contact your reps on Penalize false or fraudulent ACA enrollment informationCreate or increase civil and criminal penalties when agents, brokers, applicants, or others submit false, careless, or fraudulent ACA marketplace enrollment, eligibility, or premium-help information.
  • Contact your reps on Set marketplace enrollment windows and CMS rulesDecide whether to extend 2026 ACA marketplace open enrollment, require outreach about longer signup windows, or block or codify CMS marketplace integrity rules.
  • Contact your reps on Stop unauthorized marketplace enrollments and plan changesRequire proof that a consumer agreed before an agent or broker submits an ACA marketplace enrollment or plan change, give consumers prompt notices and account access, and make it easier to undo activity they did not approve.
  • Contact your reps on Verify eligibility and prevent improper marketplace subsidiesUse identity checks, document requests, Medicaid or CHIP matching, death-record checks, immigration-status verification, minimum premium payments, and recurring fraud-risk reviews to reduce improper ACA marketplace enrollment and advance premium tax credit payments.

Related bills

  • Take action on H.R. 6010: To amend the Internal Revenue Code of 1986 to extend and modify the enhanced premium tax credit, and for other purposes.
  • Take action on H.R. 2079: Insurance Fraud Accountability Act
  • Take action on S. 976: Insurance Fraud Accountability Act
  • Take action on H.R. 6501: Bipartisan Health Insurance Affordability Act
  • Take action on S. 46: Health Care Affordability Act of 2025
  • Take action on H.R. 1692: Health Care Affordability Act of 2023
  • Take action on H.R. 247: Health Care Affordability Act of 2025
  • Take action on S.J.Res. 84: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Centers for Medicare & Medicaid Services relating to "Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability".