Understanding H.R.5450: Continuing Appropriations and Extensions and Other Matters Act, 2026

H.R.5450 is a bill that ensures the federal government has the money it needs to keep operating through fiscal year 2026. This means that all the services and programs run by the government, like national parks, Social Security, and many others, will continue without interruption. The bill also makes some important changes to healthcare. It permanently extends a tax credit that helps people afford health insurance through the Affordable Care Act (ACA) marketplace. This tax credit was expanded during the pandemic, and the bill aims to keep it that way, making health insurance cheaper for many families. Another key part of the bill is reversing previous cuts to Medicaid, which is a program that helps low-income people get healthcare. By doing this, the bill ensures that vulnerable populations continue to have access to necessary medical services. Additionally, the bill extends the availability of telehealth services, which became popular during the COVID-19 pandemic. This means people can continue to have doctor's appointments over the phone or internet, which is especially helpful for those living in rural areas or who have trouble traveling. The bill also supports veterans by extending funding for their healthcare and education services. Lastly, it includes a provision that stops members of Congress from getting a pay raise during this period, reflecting concerns about fiscal responsibility.

This bill is important because it prevents a government shutdown, which can cause significant disruptions. When the government shuts down, many services stop, and federal employees might not get paid. By ensuring the government stays open, the bill helps maintain stability and avoids these problems. For everyday Americans, the bill makes healthcare more affordable and accessible. The permanent extension of the ACA tax credit means that more people can afford health insurance, reducing the financial burden on families. Medicaid beneficiaries, who often include low-income families, seniors, and people with disabilities, will continue to receive the healthcare they need without worrying about cuts in funding. Veterans and their families also benefit from this bill, as it ensures they continue to receive essential healthcare and educational support. The extension of telehealth services means that people in remote areas or those who find it difficult to travel can still access medical care conveniently.

- Prevents Government Shutdown: Ensures federal agencies remain funded and operational, avoiding disruptions. - Affordable Healthcare: Permanently extends expanded ACA tax credits, making health insurance more affordable. - Protects Vulnerable Populations: Reverses cuts to Medicaid, ensuring continued access to healthcare. - Extends Telehealth Services: Continues expanded telehealth services, increasing access to care. - Supports Veterans: Extends funding for veterans’ healthcare and education services.

- High Federal Spending: Critics argue it continues high spending without addressing budget deficits. - Lack of Long-Term Reform: The bill is a temporary fix that doesn't solve underlying budget issues. - Policy Riders: Some oppose including unrelated policy changes in a funding bill. - No Congressional Pay Raise: Freezing congressional pay may deter qualified individuals from public service. - Transparency Concerns: Specific allocations, like the $174,000 for Catherine M. Smith, lack clarity.