Freeze of premium adjustment percentage increase

Section 1302(c)(4) of the Patient Protection and Affordable Care Act is amended— (1) by striking For purposes of and inserting the following: (A) In general For purposes of; and (2) by adding at the end the following new subparagraph: (B) Freeze in premium adjustment percentage increase For plan years beginning on or after January 1, 2027, the maximum annual limitation on cost sharing (as described in section 156.130(a)(2) of title 45, Code of Federal Regulations) is equal to the greater of— (i) the maximum annual limitation on cost sharing for plan year 2025, as described in the final rule published on April 15, 2024 (89 Fed. Reg. 26218 et seq.); and (ii) 90 percent of the amount described in clause (i), increased by the percentage by which the average per capita premium for health insurance coverage in the United States for the preceding calendar year (as estimated by the Secretary not later than October 1 of such preceding calendar year) exceeds such average per capita premium for 2024..