Congressman Don Davis Co-Leads Bipartisan Action to Prevent ACA Premium Spikes and Protect Affordable Healthcare

WASHINGTON, D.C. — Congressman Don Davis (NC-01) joined a bipartisan group of lawmakers in introducing H.R. 6501, the Bipartisan Health Insurance Affordability Act.

Davis is working alongside Reps. Brian Fitzpatrick (PA-01), Marie Gluesenkamp Perez (WA-03), Tom Suozzi (NY-03), Don Bacon (NE-02), Jared Golden (ME-02), Rob Bresnahan (PA-08), and Nicole Malliotakis (NY-11).

Without immediate congressional action, the Affordable Care Act (ACA) enhanced premium tax credits would expire on December 31, resulting in steep, sudden cost increases and widespread loss of coverage, which would destabilize the healthcare markets that working families rely on.

"Congress must act swiftly to bring certainty and reduce anxiety," said Davis. "We must promote greater accountability and ensure families do not lose vital health coverage or face bankruptcy due to medical emergencies."

The bill includes the following provisions:

Extends enhanced premium tax credits through 2027 to guard families against sudden increases in monthly premiums.

Requires consumer consent and timely notification before any plan or subsidy changes take effect.

Ends hidden spread pricing, separates PBM profits from drug pricing, and ensures rebates reach patients directly.

Expands access to Health Savings Accounts and streamlines premium payments to reduce coverage disruptions.

Modernizes eligibility standards and introduces a minimum contribution requirement to protect long-term affordability and federal resources.

"From the outset, I committed to delivering a bipartisan solution to prevent devastating premium spikes—today, we are doing exactly that. Our bill keeps the ACA's premium tax credits in place, so families are not blindsided with unaffordable increases in the care they depend on," said Fitzpatrick. "This is a practical, people-first fix that protects families now, while preserving the space to keep working toward a stronger, smarter, more affordable healthcare system. When the stakes are this high, responsible governance means securing 80 percent of what families need today rather than risking 100 percent of nothing tomorrow. We built this the right way—with input from across the aisle and across chambers—with the clearest pathway to the President's desk. We're ready to get this done, and we call on our colleagues to step up, join us, and put American families, not political messaging, first."

"The expiration of the ACA Premium Tax Credits on 12/31/25 would create an avoidable crisis for millions of Americans who will face an explosion of their healthcare premiums," said Suozzi. " We need a bipartisan solution now, and we must battle against the petty partisan interests that put politics above people. Simply put, while this bill is not perfect, it is a short-term, reasonable solution that prevents catastrophic premium spikes. If enacted, we must use the reprieve to craft long-term reforms to lower healthcare costs in the long run: incentivizing preventative care, lowering drug prices, and cracking down on wasteful bureaucracy and abuse in our system. To get there, we must work together now, and act with the urgency this moment demands."

"I'm glad we're moving the debate forward on extending and reforming the Affordable Care Act subsidies. I've made clear to my colleagues on both sides that Congress needs a smart, bipartisan agreement that prevents our constituents' health insurance premiums from skyrocketing," said Bacon. "That's why I worked with Reps. Brian Fitzpatrick, Jared Golden, Tom Suozzi, Rob Bresnahan, and Don Davis to introduce the Bipartisan Health Coverage Affordability Act, another reasonable compromise that extends the enhanced premium tax credits for two years and applies new income caps and fraud protections. This may not be the final package Congress adopts, but it's a responsible compromise that can help break the gridlock and protect families from higher costs."

"We have known for months that there is no way for either party to address the looming health care cliff alone. It's long past time that members and leaders in Congress come together to prevent catastrophic coverage price spikes for millions of Americans," said Golden. "The Bipartisan Health Coverage Affordability Act preserves the ACA Enhanced Premium Tax Credits for the families who need them most, implements sensible income caps to reduce costs and better target benefits and cracks down on prescription drug middlemen. This moment requires leaders to abandon their partisan corners and govern. Our bill provides a path out of gridlock and toward solutions."

"I'm glad to work with my colleagues on both sides of the aisle to bring down health care costs. Nobody wants to shell out more cash to insurance companies or PBM middlemen," said Glusenkamp Perez. "At the same time, we can't lose sight of the fact that national health doesn't come from insurance coverage — it hinges on people having good jobs, being able to sleep 8 hours a night, cook real food and see their kids at night. Affordable healthcare and medicine are imperative and worth the fight, but a strong nation is longer work."

"Families across Northeastern Pennsylvania have expressed that affordability is a key concern in our healthcare system," said Bresnahan. "This bipartisan effort to extend ACA tax credits has the potential to help working families keep more money in their pockets and maintain the coverage they rely on."

In the 119th Congress, Congressman Davis has led or co-led 42 healthcare-related bills, underscoring his commitment to improving access to high-quality, affordable care, especially for rural communities like those in eastern North Carolina. Without an agreement to extend the ACA enhanced premium tax credits, over 69,000 residents of North Carolina's First Congressional District would face higher health insurance premiums or lose healthcare coverage altogether.