Health Care Affordability Act of 2025
Latest action · Jan 9, 2025 Read twice and referred to the Committee on Finance.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedJan 9, 2025
- Passed SenateNot reached
- Passed HouseNot reached
- To the PresidentNot reached
- Became lawNot reached
Summary
Health Care Affordability Act of 2025
This bill makes permanent temporary changes enacted by the American Rescue Plan Act of 2021 (ARPA) and the Inflation Reduction Act of 2022 (IRA) that generally expand eligibility for and increase the amount of the premium tax credit.
Currently, eligible taxpayers may be able to claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To be eligible for the premium tax credit, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the ARPA and IRA eliminated the maximum income limit, which generally expands eligibility for the premium tax credit.
Further, under current law, the amount of the premium tax credit is (1) generally the plan premium (conditions apply), minus (2) the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage is a specific percentage that varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the ARPA and IRA lowered the applicable percentages and eliminated the adjustment of the applicable percentages for inflation, which generally increases the amount of the premium tax credit.
The bill makes permanent the elimination of the 400% maximum income limit, the lower applicable percentages, and the elimination of the inflation adjustment for the applicable percentages.
Cosponsors 44
Members who signed on, in the order they did. Signatures ran from Jan 9, 2025 to Jul 21, 2025; 39 are original cosponsors, there from the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| D-CA | Adam B. Schiff | Original | Jan 9, 2025 |
| D-CA | Alex Padilla | Original | Jan 9, 2025 |
| D-MN | Amy Klobuchar | Original | Jan 9, 2025 |
| D-NJ | Andy Kim | Original | Jan 9, 2025 |
| I-ME | Angus S. King Jr. | Original | Jan 9, 2025 |
| D-NM | Ben Ray Luján | Original | Jan 9, 2025 |
| D-HI | Brian Schatz | Original | Jan 9, 2025 |
| D-NV | Catherine Cortez Masto | Original | Jan 9, 2025 |
| D-NY | Charles E. Schumer | Original | Jan 9, 2025 |
| D-MD | Chris Van Hollen | Original | Jan 9, 2025 |
| D-DE | Christopher A. Coons | Original | Jan 9, 2025 |
| D-NJ | Cory A. Booker | Original | Jan 9, 2025 |
| D-MA | Edward J. Markey | Original | Jan 9, 2025 |
| D-MI | Elissa Slotkin | Original | Jan 9, 2025 |
| D-MA | Elizabeth Warren | Original | Jan 9, 2025 |
Committees 1
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| Senate | Finance Committee | Referred Jan 9, 2025 |
Actions 2
Everything that happened, newest first.
- Jan 9, 2025Introduced in Senate
- Jan 9, 2025Read twice and referred to the Committee on Finance.
In the Congressional Record 2
Days the Record’s own index lists this bill, newest first, with the pages and the members it names. Pages starting H are the House, S the Senate, E Extensions of Remarks.
| Where | In the Record | Members | Date |
|---|---|---|---|
| Senate | Debate and remarks S8649 | Lisa Blunt Rochester D-DE | Dec 11, 2025 |
| Senate | Debate and remarks S885 | Jeanne Shaheen D-NH | Feb 12, 2025 |
Related bills 7
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| HR 247 | Health Care Affordability Act of 2025 | Identical bill | Jan 9, 2025 |
| S 2556 | Protecting Health Care and Lowering Costs Act | Related bill | Jul 30, 2025 |
| S 3956 | Make Billionaires Pay Their Fair Share Act | Related bill | Mar 2, 2026 |
| HR 4849 | Protecting Health Care and Lowering Costs Act of 2025 | Related bill | Aug 1, 2025 |
| HR 6900 | American Affordability Act of 2025 | Related bill | Dec 18, 2025 |
| HR 7767 | Make Billionaires Pay Their Fair Share Act | Related bill | Mar 3, 2026 |
| HR 10730 | Healthy Communities Act of 2026 | Related bill | Oct 5, 2026 |
Titles 2
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- A bill to amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan.
- Short Title(s) as Introduced
- Health Care Affordability Act of 2025
Subjects
Assigned by the Library of Congress. Policy area: Taxation.
Text 1
Each version as it was printed, newest first.
- Jan 9, 2025Introduced in Senate
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
