Base
Rule2025-116062025-06-25

Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability

Health and Human Services Department

Abstract

This final rule revises standards relating to denial of coverage for failure to pay past-due premium; excludes Deferred Action for Childhood Arrivals recipients from the definition of "lawfully present;" establishes the evidentiary standard HHS uses to assess an agent's, broker's, or web-broker's potential noncompliance; revises the Exchange automatic reenrollment hierarchy; revises standards related to the annual open enrollment period and special enrollment periods; revises standards relating to failure to file and reconcile, income eligibility verifications for premium tax credits and cost-sharing reductions, annual eligibility redeterminations, de minimis thresholds for the actuarial value for plans subject to essential health benefits (EHB) requirements, and income-based cost-sharing reduction plan variations. This final rule also revises the premium adjustment percentage methodology and prohibits issuers of coverage subject to EHB requirements from providing coverage for specified sex-trait modification procedures as an EHB.

Action & Dates

Action
Final rule.
Dates
Effective Date: These regulations are effective on August 25, 2025.
Effective Date
2025-08-25

CFR References

Topics

Administrative practice and procedureAdvertisingAdvisory committeesAgedBrokersCitizenship and naturalizationCivil rightsConsumer protectionGrant programs-healthHealth careHealth insuranceHealth maintenance organizations (HMO)Health recordsHospitalsIndiansIndividuals with disabilitiesIntergovernmental relationsLoan programs-healthMedicaidOrganization and functions (Government agencies)Public assistance programsReporting and recordkeeping requirementsSex discriminationState and local governmentsSunshine ActTaxesTechnical assistanceWomenYouth

Document Excerpt

Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Department of Health and Human Services 45 CFR Parts 147, 155, and 156 [CMS-9884-F] RIN 0938-AV61 ( printed page 27074) AGENCY: Centers for Medicare & Medicaid Services (CMS), Department of Health and Human Services (HHS) ACTION: Final rule. SUMMARY: This final rule revises standards relating to denial of coverage for failure to pay past-due premium; excludes Deferred Action for Childhood Arrivals recipients from the definition of “lawfully present;” establishes the evidentiary standard HHS uses to assess an agent's, broker's, or web-broker's potential noncompliance; revises the Exchange automatic reenrollment hierarchy; revises standards related to the annual open enrollment period and special enrollment periods; revises standards relating to failure to file and reconcile, income eligibility verifications for premium tax credits and cost-sharing reductions, annual eligibility redeterminations, de minimis thresholds for the actuarial value for plans subject to essential health benefits (EHB) requirements, and income-based cost-sharing reduction plan variations. This final rule also revises the premium adjustment percentage methodology and prohibits issuers of coverage subject to EHB requirements from providing coverage for specified sex-trait modification procedures as an EHB. DATES: Effective Date: These regulations are effective on August 25, 2025. Applicability Dates: See section III.D. of this final rule for further information on the applicability dates.

Read full document on FederalRegister.gov →

Full Document

Citation: 90 FR 27074