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Rolling Back Trump

A to-do list for the next Democratic trifecta: every square is something Donald Trump or his administration signed, ordered, or put his name on since January 20, 2025. Some can be undone with a signature. Others will take an act of Congress, new rules, or years of rebuilding. Each square shows who it affects.

CMS final rule · May 20, 2026 · Health

Let ACA plans raise out-of-pocket costs

Where it standsStopped by courts
  1. May 20, 2026CMS finalized a rule for 2027 ACA marketplace plans letting insurers offer catastrophic plans for up to 10 consecutive years and expanding who can buy them, raising out-of-pocket limits for bronze and catastrophic plans, creating a 2028 pathway for plans with no provider network, and dropping the standardized-plan-option requirement. Source ↗
  2. Jul 16, 2026 · LatestA federal judge in Maryland stayed eight of the rule's provisions -- including the out-of-pocket-limit and catastrophic-eligibility expansions, the network-adequacy rollback, and the standardized-option repeal -- finding plaintiffs likely to succeed; the administration separately appealed a related 2025 rule to the Fourth Circuit the same day. Source ↗
How to roll it backCMS can rewrite the rule to restore the ACA's standard out-of-pocket limits and the standardized-plan-option requirement. Congress can write those protections into law so a future rule can't loosen them again.
Source ↗

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