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The Capping Costs for Consumers Act of 2024 expands cost-sharing reductions for individuals enrolled in qualified health plans through the Affordable Care Act's health insurance exchanges. Beginning in 2026, the bill shifts the benchmark plan used to calculate subsidies from silver-level to gold-level coverage, which would lower out-of-pocket costs for eligible individuals. The bill also increases the percentage of costs covered by insurance plans for individuals with household incomes between 150 and 400 percent of the federal poverty line, and authorizes appropriations to fund these expanded cost-sharing reductions.
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