I 
118TH CONGRESS 
1ST SESSION H. R. 1113 
To streamline enrollment in health insurance affordability programs and 
minimum essential coverage, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 21, 2023 
Mr. BERA introduced the following bill; which was referred to the Committee 
on Energy and Commerce, and in addition to the Committee on Ways 
and Means, for a period to be subsequently determined by the Speaker, 
in each case for consideration of such provisions as fall within the juris-
diction of the committee concerned 
A BILL 
To streamline enrollment in health insurance affordability 
programs and minimum essential coverage, and for other 
purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Easy Enrollment in 
Health Care Act’’. 
SEC. 2. DEFINITIONS. 
In this Act: 
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(7) INSURANCE
AFFORDABILITY
PROGRAM.— 
The term ‘‘insurance affordability program’’ means 
any of the following: 
(A) A Medicaid program. 
(B) A CHIP program. 
(C) The program under title I of the Pa-
tient Protection and Affordable Care Act (42 
U.S.C. 18001 et seq.) for the enrollment in 
qualified health plans offered through an Ex-
change, including the premium tax credits 
under section 36B of the Internal Revenue 
Code of 1986, cost-sharing reductions under 
section 1402 of the Patient Protection and Af-
fordable Care Act (42 U.S.C. 18071), and the 
advance payment of such credits and reductions 
under section 1412(a)(3) of the Patient Protec-
tion and Affordable Care Act (42 U.S.C. 
18082(a)(3)). 
(D) A State basic health program under 
section 1331 of the Patient Protection and Af-
fordable Care Act (42 U.S.C. 18051). 
(E) Any other Federal, State, or local pro-
gram that provides assistance for some or all of 
the cost of minimum essential coverage and re-
quires eligibility for such program to be based 
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in whole or in part on income, including such 
a program carried out through a waiver under 
section 1332 of the Patient Protection and Af-
fordable Care Act (42 U.S.C. 18052) or a State 
program supplementing the advanced payment 
of tax credits and cost-sharing reductions under 
section 1412(a)(3) of such Act. 
(8) MEDICAID PROGRAM.—The term ‘‘Medicaid 
program’’ means a State plan for medical assistance 
under title XIX of the Social Security Act (42 
U.S.C. 1396 et seq.), including any waiver of such 
a plan. 
(9) MINIMUM
ESSENTIAL
COVERAGE.—The 
term ‘‘minimum essential coverage’’ has the meaning 
given such term in section 5000A(f) of the Internal 
Revenue Code of 1986. 
(10) MODIFIED
ADJUSTED
GROSS
INCOME.— 
The term ‘‘modified adjusted gross income’’ has the 
meaning given such term in section 36B(d)(2)(B) of 
the Internal Revenue Code of 1986. 
(11) NET
PREMIUM.—The term ‘‘net pre-
mium’’, with respect to a health plan or other form 
of minimum essential coverage— 
(A) except as provided in subparagraph 
(B), means the payment from or on behalf of 
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an individual required to enroll in such plan or 
coverage, after application of the premium tax 
credit under section 36B of the Internal Rev-
enue Code of 1986, the advance payment of 
such credit under section 1412(a)(3) of the Pa-
tient Protection and Affordable Care Act (42 
U.S.C. 18082(a)(3)), and any other assistance 
provided by an insurance affordability program; 
and 
(B) does not include any amounts de-
scribed in section 36B(b)(3)(D) of the Internal 
Revenue Code of 1986 or section 1303(b)(2) of 
the Patient Protection and Affordable Care Act 
(42 U.S.C. 18023(b)(2)). 
(12) POVERTY LINE.—The term ‘‘poverty line’’ 
has the meaning given such term in section 
36B(d)(3) of the Internal Revenue Code of 1986. 
(13) QUALIFIED
HEALTH
PLAN.—The term 
‘‘qualified health plan’’ has the meaning given such 
term in section 1301(a) of the Patient Protection 
and Affordable Care Act (42 U.S.C. 18021(a)). 
(14) RELEVANT RETURN INFORMATION.—The 
term ‘‘relevant return information’’ means, with re-
spect to a taxpayer, any return information, as de-
fined in section 6103(b)(2) of the Internal Revenue 
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Code of 1986, which may be relevant, as determined 
by the Secretary of the Treasury in consultation 
with the Secretary of Health and Human Services, 
with respect to— 
(A) determining, or facilitating determina-
tion of, the eligibility of any household member 
of the taxpayer for any insurance affordability 
program, either directly or through enabling ac-
cess to additional information potentially rel-
evant to such eligibility; or 
(B) enrolling, or facilitating the enrollment 
of, such individual in minimum essential cov-
erage. 
(15) SINGLE, STREAMLINED
APPLICATION.— 
The term ‘‘single, streamlined application’’ means 
the form described in section 1413(b)(1)(A) of the 
Patient Protection and Affordable Care Act (42 
U.S.C. 18083(b)(1)(A)). 
(16) TAX RETURN PREPARER.—The term ‘‘tax 
return preparer’’ has the meaning given such term 
in section 7701(a)(36) of the Internal Revenue Code 
of 1986. 
(17) ZERO NET PREMIUM.—The term ‘‘zero net 
premium’’, with respect to a health plan or other 
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form of minimum essential coverage, means a net 
premium of $0.00 for such plan or coverage. 
SEC. 3. FEDERAL INCOME TAX RETURNS USED TO FACILI-
TATE ENROLLMENT INTO INSURANCE AF-
FORDABILITY PROGRAMS. 
(a) IN GENERAL.—Not later than January 1, 2026, 
the Secretary shall establish a program which allows any 
taxpayer who is not covered under minimum essential cov-
erage at the time their return of tax for the taxable year 
is filed, as well as any other household member who is 
not covered under such coverage, to, in conjunction with 
the filing of their return of tax for any taxable year which 
begins after December 31, 2024, elect to— 
(1) have a determination made as to whether 
the household member who is not covered under 
such coverage is eligible for an insurance afford-
ability program; and 
(2) have such household member enrolled into 
minimum essential coverage, provided that— 
(A) such coverage is provided through a 
zero-net-premium plan, and 
(B) the taxpayer does not— 
(i) opt out of coverage through the 
zero-net-premium plan, or 
(ii) select a different plan. 
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(b) TAXPAYER REQUIREMENTS AND CONSENT.— 
(1) IN GENERAL.—Pursuant to the program es-
tablished under subsection (a), the taxpayer may, in 
conjunction with the filing of their return of tax for 
the taxable year— 
(A) identify any household member who is 
not covered under minimum essential coverage 
at the time of such filing; and 
(B) with respect to each household member 
identified under subparagraph (A), elect wheth-
er to— 
(i) 
in 
accordance 
with 
section 
6103(l)(23) of the Internal Revenue Code 
of 1986 (as added by subsection (f)), con-
sent to the disclosure and transfer to the 
applicable Exchange of any relevant return 
information for purposes of determining 
whether such household member may be el-
igible for any insurance affordability pro-
gram and facilitating enrollment into such 
program and minimum essential coverage, 
including any further disclosure and trans-
fer by the Exchange to any other entity as 
is deemed necessary to accomplish such 
purposes; and 
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(ii) in the case consent is provided 
under clause (i) with respect to such 
household member, enroll such household 
member in any minimum essential cov-
erage that is available with a zero net pre-
mium, if— 
(I) the member is eligible for 
such coverage through an insurance 
affordability program; and 
(II) the member does not, by the 
end of the special enrollment period 
described in section 4(c)(1)(A)— 
(aa) select a different plan 
offering minimum essential cov-
erage; or 
(bb) opt out of such cov-
erage that is available with a zero 
net premium. 
(2) ESTABLISHMENT
OF
OPTIONS
FOR
TAX-
PAYER CONSENT AND ELECTION.—For purposes of 
paragraph (1)(B), the Secretary, in consultation 
with the Secretary of Health and Human Services, 
may provide the elections under such paragraph as 
a single election or as 2 elections. 
(3) SUPPLEMENTAL FORM.— 
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(A) IN GENERAL.—In the case of a tax-
payer who has consented to disclosure and 
transfer of relevant return information pursu-
ant to paragraph (1)(B)(i), such taxpayer shall 
be enrolled in the insurance affordability pro-
gram only if the taxpayer submits a supple-
mental form which is designed to collect addi-
tional information necessary (as determined by 
the Secretary of Health and Human Services) 
to establish eligibility for and enrollment in an 
insurance affordability program, which may in-
clude (except as provided in subparagraph (B)), 
with respect to each individual described in 
paragraph (1)(A), the following: 
(i) State of residence. 
(ii) Date of birth. 
(iii) Employment and the availability 
of benefits under a group health plan at 
the time the return of tax is filed. 
(iv) Any changed circumstances de-
scribed in section 1412(b)(2) of the Pa-
tient Protection and Affordable Care Act; 
(42 U.S.C. 18082(b)(2)). 
(v) Solely for the purpose of facili-
tating automatic renewal of coverage and 
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eligibility redeterminations under section 
1413(c)(3)(A) of such Act (42 U.S.C. 
18083(c)(3)(A)), authorization for the Sec-
retary to disclose relevant return informa-
tion for subsequent taxable years to insur-
ance affordability programs. 
(vi) Any methods preferred by the 
taxpayer or household member for the pur-
pose of being contacted by the applicable 
Exchange or insurance affordability pro-
gram with respect to any eligibility deter-
mination for, or enrollment in, an insur-
ance affordability program or minimum es-
sential coverage, such as an email address 
or a phone number for calls or text mes-
sages. 
(vii) Information about household 
composition that— 
(I) may affect eligibility for an 
insurance affordability program; and 
(II) is not otherwise included on 
the return of tax. 
(viii) Such other information as the 
Secretary, in consultation with the Sec-
retary of Health and Human Services, may 
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require, including information requested on 
the single, streamlined application. 
(B) LIMITATIONS.—The information ob-
tained through the form described in subpara-
graph (A) may not include any request for in-
formation with respect to citizenship, immigra-
tion status, or health status of any household 
member. 
(C) 
ADDITIONAL
INFORMATION.—The 
form described in subparagraph (A) and the ac-
companying tax instructions may provide the 
taxpayer with additional information about in-
surance affordability programs, including infor-
mation provided to applicants on the single, 
streamlined application. 
(D) ACCESSIBILITY.— 
(i) IN GENERAL.—The Secretary shall 
ensure that the form described in subpara-
graph (A) is made available to all tax-
payers without discrimination based on 
language, disability, literacy, or internet 
access. 
(ii) RULE OF CONSTRUCTION.—Noth-
ing in clause (i) shall be construed as di-
minishing, reducing, or otherwise limiting 
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any other legal obligation for the Secretary 
to avoid or to prevent discrimination. 
(4) RETURN
LANGUAGE.—The Secretary, in 
consultation with the Secretary of Health and 
Human Services, shall, with respect to any items de-
scribed in this subsection which are to be included 
in a taxpayer’s return of tax, develop language for 
such items which is as simple and clear as possible 
(such as referring to ‘‘insurance affordability pro-
grams’’ as ‘‘free or low-cost health insurance’’). 
(c) TAX RETURN PREPARERS.— 
(1) IN GENERAL.—With respect to any infor-
mation submitted in conjunction with a tax return 
solely for purposes of the program described in sub-
section (a), any tax return preparer involved in pre-
paring the return containing such information shall 
not be obligated to assess the accuracy of such infor-
mation as provided by the taxpayer. 
(2) SUBMISSION OF INFORMATION.—As part of 
the program described in subsection (a), the Sec-
retary shall establish methods to allow for the imme-
diate transfer of any relevant return information to 
the applicable Exchange and insurance affordability 
programs in order to increase the potential for im-
mediate determinations of eligibility for and enroll-
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ment in insurance affordability programs and min-
imum essential coverage. 
(d) TRANSFER OF INFORMATION THROUGH SECURE 
INTERFACE.— 
(1) IN GENERAL.—As part of the program es-
tablished under subsection (a), the Secretary shall 
develop a secure, electronic interface allowing an ex-
change of relevant return information with the appli-
cable Exchange in a manner similar to the interface 
described in section 1413(c)(1) of the Patient Pro-
tection and Affordable Care Act (42 U.S.C. 
18083(c)(1)). Upon receipt of such information, the 
applicable Exchange may convey such information to 
any other entity as needed to facilitate determina-
tion of eligibility for an insurance affordability pro-
gram or enrollment into minimum essential cov-
erage. 
(2) TRANSFER
BY
TREASURY
OR
TAX
PRE-
PARERS.— 
(A) IN GENERAL.—The interface described 
in paragraph (1) shall allow, for any taxpayer 
who has provided consent pursuant to sub-
section (b)(1)(B)(i), for relevant return infor-
mation, along with confirmation that the Sec-
retary has accepted the return filing as meeting 
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applicable processing criteria, to be transferred 
to an applicable Exchange by— 
(i) the Secretary; or 
(ii) pursuant to such requirements 
and standards as are established by the 
Secretary (in consultation with the Sec-
retary of Health and Human Services)— 
(I) if the Secretary is not able to 
transfer such information to the appli-
cable Exchange, the taxpayer; or 
(II) the tax return preparer who 
prepared the return containing such 
information. 
(B) TRANSFER REQUIREMENTS.—As soon 
as is practicable after the filing of a return de-
scribed in subsection (a) in which the taxpayer 
has provided consent pursuant to subsection 
(b)(1)(B)(i), the Secretary shall provide for all 
relevant return information to be transferred to 
the applicable Exchange. 
(C) DATA SECURITY.—Any transfer of rel-
evant return information described in this sub-
section shall be conducted— 
(i) pursuant to interagency agree-
ments that ensure data security and main-
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tain privacy in a manner that satisfies the 
requirements under section 1942(b) of the 
Social Security Act (42 U.S.C. 1396w– 
2(b)); and 
(ii) in the case of any taxpayer filing 
their tax return electronically, in a manner 
that maximizes the opportunity for such 
taxpayer, as part of the process of filing 
such return, to immediately— 
(I) obtain a determination with 
respect to the eligibility of any house-
hold member for any insurance af-
fordability program; and 
(II) enroll in minimum essential 
coverage. 
(e) ERRORS THAT AFFECT ELIGIBILITY FOR INSUR-
ANCE AFFORDABILITY PROGRAMS.—The Secretary of 
Health and Human Services, in consultation with the Sec-
retary, shall establish procedures for addressing instances 
in which an error in relevant return information that was 
transferred to an Exchange under subsection (d) may have 
resulted in a determination that an individual is eligible 
for more or less assistance under an insurance afford-
ability program than the assistance for which the indi-
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vidual would otherwise have been eligible without the 
error. Such procedures shall include procedures for— 
(1) the reporting of such error to the individual, 
the Secretary of Health and Human Services, and 
the applicable Exchange and insurance affordability 
program, regardless of whether such error was in-
cluded in an amendment to the tax return; and 
(2) correcting, as soon as practicable, the indi-
vidual’s eligibility status for insurance affordability 
programs, subject to, in the case of reduced eligi-
bility for assistance, any right of notice and appeal 
under laws governing the applicable insurance af-
fordability program, including section 1411(f) of the 
Patient Protection and Affordable Care Act (42 
U.S.C. 18081(f)). 
(f) DISCLOSURE OF RETURN INFORMATION FOR DE-
TERMINING
ELIGIBILITY
FOR
INSURANCE
AFFORD-
ABILITY PROGRAMS AND ENROLLMENT INTO MINIMUM 
ESSENTIAL HEALTH COVERAGE.— 
(1) IN GENERAL.—Section 6103(l) of the Inter-
nal Revenue Code of 1986 is amended by adding at 
the end the following: 
‘‘(23) DISCLOSURE OF RETURN INFORMATION 
FOR DETERMINING ELIGIBILITY FOR INSURANCE AF-
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FORDABILITY
PROGRAMS
AND
ENROLLMENT
INTO 
MINIMUM ESSENTIAL HEALTH COVERAGE.— 
‘‘(A) IN
GENERAL.—In the case of any 
taxpayer who has consented to the disclosure 
and transfer of any relevant return information 
with respect to any household member pursuant 
to section 3(b) of the Easy Enrollment in 
Health Care Act, the Secretary shall disclose 
such information to the applicable Exchange. 
‘‘(B) RESTRICTION ON DISCLOSURE.—Re-
turn information disclosed under subparagraph 
(A) may be— 
‘‘(i) used by an Exchange only for the 
purposes of, and to the extent necessary 
in— 
‘‘(I) determining eligibility for an 
insurance affordability program, or 
‘‘(II) facilitating enrollment into 
minimum essential coverage, and 
‘‘(ii) further disclosed by an Exchange 
to any other person only for the purposes 
of, and to the extent necessary, to carry 
out subclauses (I) and (II) of clause (i). 
‘‘(C) DEFINITIONS.—For purposes of this 
paragraph, the terms ‘relevant return informa-
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tion’, ‘Exchange’, ‘insurance affordability pro-
gram’, and ‘minimum essential coverage’ have 
the same meanings given such terms under sec-
tion 2 of the Easy Enrollment in Health Care 
Act.’’. 
(2) SAFEGUARDS.—Section 6103(p)(4) of the 
Internal Revenue Code of 1986 is amended by in-
serting ‘‘or any Exchange described in subsection 
(l)(23),’’ after ‘‘or any entity described in subsection 
(l)(21),’’ each place it appears. 
(g) APPLICATIONS FOR INSURANCE AFFORDABILITY 
PROGRAMS WITHOUT RELIANCE ON FEDERAL INCOME 
TAX RETURNS.— 
(1) RULE OF CONSTRUCTION.—Nothing in this 
Act shall be construed as requiring any individual, 
as a condition of applying for an insurance afford-
ability program, to— 
(A) file a return of tax for any taxable 
year for which filing a return of tax would not 
otherwise be required for such taxable year; or 
(B) consent to disclosure of relevant return 
information under subsection (b)(1)(B)(i). 
(2) METHODS AND PROCEDURES.—Any agency 
administering an insurance affordability program 
shall implement methods and procedures, as pre-
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