Comments on the Notice of Benefit and Payment Parameters for 2026

Families USA commented on the annual Notice of Benefit and Payment Parameters that affects marketplace coverage for 2026. Our comments focused on:

• Ways Navigators and assisters might help people reduce medical debt;
• Improved oversight of agents, brokers and web-brokers;
• Needed data about health plan denials and about health plan utilization
• Codifying "silver-loading" guidance that provides payment for issuers that reduce cost-sharing for enrollees;
• Publication of the calculator that enables exchanges to design plans at various cost-sharing levels; and
• Needs to improve network adequacy standards in future guidance.