No Subsidies Without Verification Act of 2015

The No Subsidies Without Verification Act of 2015 would require the federal government to fully verify an individual’s eligibility before they can receive financial assistance for health insurance under the Affordable Care Act (ACA). Under this bill, premium tax credits and cost-sharing reductions would be withheld until an applicant’s information is cross-checked and reconciled with records from the Treasury Department, the Social Security Administration, and the Department of Homeland Security.

For citizens, this means that financial aid for health insurance would not be applied to their monthly premiums until the government confirms their income and citizenship status, potentially delaying the start of subsidized coverage. To protect individuals during this verification process, the bill would exempt them from tax penalties for not having insurance. Additionally, the bill would temporarily suspend existing subsidies for current enrollees until their eligibility is re-verified, though it provides a special enrollment period for those who might lose or cancel their plans during that time.