What is the Lower Premiums, Faster Payments Act (H.R. 10788)?
Verdict Consulting Group Research · Updated
Answer
It is H.R. 10788, a House bill Rep. Frank Pallone Jr. introduced on October 9, 2026 that would end federal IDR for services furnished on or after January 1, 2028. Those services would be paid at the qualifying payment amount within 30 days after billing. It would also revise the QPA formula and bar judicial review of it.
Detail
Status
H.R. 10788 was introduced and referred to the House Energy and Commerce Committee, and to the Education and Workforce and Ways and Means Committees, on October 9, 2026. It is not law. The bill amends the Public Health Service Act, the Internal Revenue Code and ERISA in parallel.
Main provisions, as introduced
| Provision | Bill text |
|---|---|
| IDR cut-off | IDR provisions apply "with respect to such services furnished before January 1, 2028" |
| Payment deadline | "not later than 30 days after the bill for such services is transmitted by such provider or facility" |
| QPA inputs | Includes "the average expected amount of any incentive-based or retroactive payments"; excludes rates "with a provider that did not furnish such item or service" |
| Rulemaking | QPA rules updated within 180 days of enactment; interim final rule permitted |
| Judicial review | "There shall be no judicial review of the methodology for determining the qualifying payment amount." |
| Audits | From 2028, claims data from not less than 25 plans and issuers, with results made public |
Read the analysis
Sources
- U.S. Government Publishing Office (GovInfo) — H.R. 10788 (IH) — Lower Premiums, Faster Payments Act, bill text ()
- U.S. Government Publishing Office (GovInfo) — Bill status — H.R. 10788, 119th Congress ()
- Verdict Consulting Group — What would the Lower Premiums, Faster Payments Act (H.R. 10788) change in No Surprises Act IDR? ()
General information only, not legal advice. Verdict Consulting Group is not a law firm.