1. Short title This Act may be cited as the Individual Health Insurance Marketplace Improvement Act . 2. Findings Congress makes the following findings: (1) Before the passage of the Patient Protection and Affordable Care Act ( Public Law 114–148 ) in 2010, Americans with pre-existing conditions faced unfair barriers to accessing health insurance coverage and health care costs had risen rapidly for decades. (2) Since 2010, the rate of uninsured Americans has declined to a historic low, with more than 20,000,000 Americans gaining access to health insurance coverage. (3) Since 2010, America has experienced the slowest growth in the price of health care in over five decades. (4) Thanks to the Patient Protection and Affordable Care Act ( Public Law 114–148 ), Americans can no longer be denied insurance or charged more on the basis of their health status, more Americans than ever have insurance, and the health care they receive is continually improving. (5) Starting in 2016, independent, non-partisan organizations, including the Congressional Budget Office, have determined that the individual health insurance markets have stabilized and improved. (6) The cost-sharing reduction payments in the Patient Protection and Affordable Care Act provide stability in the individual health insurance market, lower insurance premiums by nearly 20 percent, and encourage competition among health insurers. The payments reduce costs for approximately 6,000,000 people with incomes below 250 percent of the poverty line by an average of about $1,100 per person and should be increased to help more Americans. (7) Risk mitigation programs, such as the reinsurance program for the Medicare Part D prescription drug benefit program, have provided additional stability to the health insurance markets, restrained premium growth, and lowered taxpayer costs by helping health insurers predict and bear risk associated with managing health care costs for a population. (8) From 2014 to 2016, the temporary reinsurance program established under the