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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 exchanges, effective January 1, 2026. The bill shifts the benchmark plan used to calculate subsidies from silver-level to gold-level coverage, which provides more comprehensive benefits and lower out-of-pocket costs. It also expands eligibility for cost-sharing reductions to individuals with household incomes up to 400 percent of the federal poverty line and increases the percentage of costs covered by insurers for eligible individuals. The bill authorizes appropriations from the Treasury to fund these expanded cost-sharing reductions.
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