; and (iii) in the case the Exchange determines an individual has experienced substantial changes in circumstances described in clause (i), the individual may qualify without delay for additional advance premium tax credits under section 36B of the Internal Revenue Code of 1986, increased cost-sharing reductions under section 1402, additional basic health program assistance under section 1331, or coverage through a State Medicaid program or CHIP program. (B) Rights to notice and appeal A determination made by an Exchange under this paragraph shall be subject to any applicable rights of notice and appeal, including such rights under section 1411(f). . (3) Effective dates The amendments made by this subsection shall take effect on January 1, 2026, and continue in effect through December 31, 2032. 6. Strengthening data infrastructure for eligibility for insurance affordability programs (a) Insurance Affordability Program access to National Directory of New Hires Section 453(i) of the Social Security Act ( 42 U.S.C. 653(i) ) is amended by adding at the end the following new paragraph: (5) Administration of insurance affordability programs (A) In general The Secretary shall provide access to insurance affordability programs (as such term is defined in section 2 of the Easy Enrollment in Health Care Act ) to information in the National Directory of New Hires that involves— (i) identity, employer, quarterly wages, and unemployment compensation, to the extent such information is potentially relevant to determining the eligibility or scope of coverage of an individual for benefits provided by such a program