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.
L2 verified 0
XML scalars
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- congress
- 119
- type
- HR
- number
- 247
- originChamber
- House
- originChamberCode
- H
- introducedDate
- 2025-01-09
- updateDate
- 2026-10-15T20:41:07Z
- updateDateIncludingText
- 2026-10-15T20:41:07Z
- title
- Health Care Affordability Act of 2025
- legislationUrl
- https://www.congress.gov/bill/119th-congress/house-bill/247
Constitutional authority statement (CDATA)
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[Congressional Record Volume 171, Number 5 (Thursday, January 9, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. UNDERWOOD:H.R. 247.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the U.S. Constitution[Page H92]
Pipeline
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Sponsor
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- Rep. Underwood, Lauren [D-IL-14] · [D-IL-14] · U000040
Sponsor record (congress_legislators)
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Bio (legislators)
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Current term (4 total)
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Leadership roles (0)
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Committee memberships (3)
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- Agriculture, Rural Development, Food and Drug Administration, and Related Agencies (house) · house · rank 3
- Homeland Security (house) · house · rank 2
- House Committee on Appropriations (house) · house · rank 20 · site
Social media
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- Twitter: @RepUnderwood
District offices (1)
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- 116 N. Chicago Street, Suite 201, Joliet District Office, Joliet, IL, 60432 · 630-549-2190 · 41.5266797,-88.08133579999999
Other names (0)
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Sponsor FEC record (fec_live)
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Candidate record (candidates) · cycle 2026
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Candidate summary (candidate_summaries) · cycle 2026
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Connected committees (0)
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Cosponsors (165)
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- Rep. Castor, Kathy [D-FL-14] · [D-FL-14] · C001066 · Co-sponsored 2025-01-09 · original
- Rep. Schakowsky, Janice D. [D-IL-9] · [D-IL-9] · S001145 · Co-sponsored 2025-01-09 · original
- Rep. DeGette, Diana [D-CO-1] · [D-CO-1] · D000197 · Co-sponsored 2025-01-09 · original
- Rep. Grijalva, Raúl M. [D-AZ-7] · [D-AZ-7] · G000551 · Co-sponsored 2025-01-09 · originalDem-AZ-7 current · 12 terms
- Rep. Pettersen, Brittany [D-CO-7] · [D-CO-7] · P000620 · Co-sponsored 2025-01-09 · original
- Rep. Barragán, Nanette Diaz [D-CA-44] · [D-CA-44] · B001300 · Co-sponsored 2025-01-09 · original
- Rep. Panetta, Jimmy [D-CA-19] · [D-CA-19] · P000613 · Co-sponsored 2025-01-09 · original
- Rep. Hoyer, Steny H. [D-MD-5] · [D-MD-5] · H000874 · Co-sponsored 2025-01-09 · original
- Del. Norton, Eleanor Holmes [D-DC-At Large] · [D-DC-0] · N000147 · Co-sponsored 2025-01-09 · original
- Rep. Titus, Dina [D-NV-1] · [D-NV-1] · T000468 · Co-sponsored 2025-01-09 · original
- Rep. Morelle, Joseph D. [D-NY-25] · [D-NY-25] · M001206 · Co-sponsored 2025-01-09 · original
- Rep. Tonko, Paul [D-NY-20] · [D-NY-20] · T000469 · Co-sponsored 2025-01-09 · original
- Rep. Moore, Gwen [D-WI-4] · [D-WI-4] · M001160 · Co-sponsored 2025-01-09 · original
- Rep. Stevens, Haley M. [D-MI-11] · [D-MI-11] · S001215 · Co-sponsored 2025-01-09 · original
- Rep. DelBene, Suzan K. [D-WA-1] · [D-WA-1] · D000617 · Co-sponsored 2025-01-09 · original
- Rep. Hoyle, Val T. [D-OR-4] · [D-OR-4] · H001094 · Co-sponsored 2025-01-09 · original
- Rep. Johnson, Henry C. "Hank" [D-GA-4] · [D-GA-4] · J000288 · Co-sponsored 2025-01-09 · original
- Rep. Budzinski, Nikki [D-IL-13] · [D-IL-13] · B001315 · Co-sponsored 2025-01-09 · original
- Rep. Pocan, Mark [D-WI-2] · [D-WI-2] · P000607 · Co-sponsored 2025-01-09 · original
- Rep. Beyer, Donald S. [D-VA-8] · [D-VA-8] · B001292 · Co-sponsored 2025-01-09 · original
- Rep. Horsford, Steven [D-NV-4] · [D-NV-4] · H001066 · Co-sponsored 2025-01-09 · original
- Rep. Amo, Gabe [D-RI-1] · [D-RI-1] · A000380 · Co-sponsored 2025-01-09 · original
- Rep. Scanlon, Mary Gay [D-PA-5] · [D-PA-5] · S001205 · Co-sponsored 2025-01-13
- Rep. Omar, Ilhan [D-MN-5] · [D-MN-5] · O000173 · Co-sponsored 2025-01-22
- Rep. Craig, Angie [D-MN-2] · [D-MN-2] · C001119 · Co-sponsored 2025-01-23
- Rep. Schneider, Bradley Scott [D-IL-10] · [D-IL-10] · S001190 · Co-sponsored 2025-02-05
- Rep. Turner, Sylvester [D-TX-18] · [D-TX-18] · T000489 · Co-sponsored 2025-02-07Dem-TX-18 current · 1 term
- Rep. Waters, Maxine [D-CA-43] · [D-CA-43] · W000187 · Co-sponsored 2025-02-10
- Rep. Davids, Sharice [D-KS-3] · [D-KS-3] · D000629 · Co-sponsored 2025-02-10
- Rep. Garcia, Robert [D-CA-42] · [D-CA-42] · G000598 · Co-sponsored 2025-02-10
- Rep. McIver, LaMonica [D-NJ-10] · [D-NJ-10] · M001229 · Co-sponsored 2025-02-10
- Rep. Schrier, Kim [D-WA-8] · [D-WA-8] · S001216 · Co-sponsored 2025-02-12
- Rep. Brownley, Julia [D-CA-26] · [D-CA-26] · B001285 · Co-sponsored 2025-02-12
- Rep. Frost, Maxwell [D-FL-10] · [D-FL-10] · F000476 · Co-sponsored 2025-02-12
- Rep. Bonamici, Suzanne [D-OR-1] · [D-OR-1] · B001278 · Co-sponsored 2025-02-18
- Rep. Mrvan, Frank J. [D-IN-1] · [D-IN-1] · M001214 · Co-sponsored 2025-02-21
- Rep. McClellan, Jennifer L. [D-VA-4] · [D-VA-4] · M001227 · Co-sponsored 2025-02-21
- Rep. Jackson, Jonathan L. [D-IL-1] · [D-IL-1] · J000309 · Co-sponsored 2025-02-21Dem-IL-1 current · 2 terms · 1 district office
- Rep. Lee, Susie [D-NV-3] · [D-NV-3] · L000590 · Co-sponsored 2025-02-24
- Rep. Bishop, Sanford D. [D-GA-2] · [D-GA-2] · B000490 · Co-sponsored 2025-02-25
- Rep. Salinas, Andrea [D-OR-6] · [D-OR-6] · S001226 · Co-sponsored 2025-02-25
- Rep. Ansari, Yassamin [D-AZ-3] · [D-AZ-3] · A000381 · Co-sponsored 2025-03-05
- Rep. Lofgren, Zoe [D-CA-18] · [D-CA-18] · L000397 · Co-sponsored 2025-03-14
- Rep. Frankel, Lois [D-FL-22] · [D-FL-22] · F000462 · Co-sponsored 2025-03-24
- Rep. Dexter, Maxine [D-OR-3] · [D-OR-3] · D000635 · Co-sponsored 2025-03-24
- Rep. Cisneros, Gilbert Ray, Jr. [D-CA-31] · [D-CA-31] · C001123 · Co-sponsored 2025-03-25Dem-CA-31 current · 2 terms · 1 district office
- Rep. Matsui, Doris O. [D-CA-7] · [D-CA-7] · M001163 · Co-sponsored 2025-03-31
- Rep. Levin, Mike [D-CA-49] · [D-CA-49] · L000593 · Co-sponsored 2025-04-03
- Rep. Sherman, Brad [D-CA-32] · [D-CA-32] · S000344 · Co-sponsored 2025-04-10
- Rep. Chu, Judy [D-CA-28] · [D-CA-28] · C001080 · Co-sponsored 2025-04-10
- Rep. Torres, Norma J. [D-CA-35] · [D-CA-35] · T000474 · Co-sponsored 2025-04-17
- Rep. Gomez, Jimmy [D-CA-34] · [D-CA-34] · G000585 · Co-sponsored 2025-04-17
- Rep. Bell, Wesley [D-MO-1] · [D-MO-1] · B001324 · Co-sponsored 2025-04-17
- Rep. Kennedy, Timothy M. [D-NY-26] · [D-NY-26] · K000402 · Co-sponsored 2025-04-24
- Rep. Landsman, Greg [D-OH-1] · [D-OH-1] · L000601 · Co-sponsored 2025-04-29
- Rep. Sykes, Emilia Strong [D-OH-13] · [D-OH-13] · S001223 · Co-sponsored 2025-05-14
- Rep. Scholten, Hillary J. [D-MI-3] · [D-MI-3] · S001221 · Co-sponsored 2025-05-14
- Rep. Goodlander, Maggie [D-NH-2] · [D-NH-2] · G000604 · Co-sponsored 2025-05-14
- Rep. McDonald Rivet, Kristen [D-MI-8] · [D-MI-8] · M001237 · Co-sponsored 2025-05-29
- Rep. Castro, Joaquin [D-TX-20] · [D-TX-20] · C001091 · Co-sponsored 2025-05-29
- Rep. Pelosi, Nancy [D-CA-11] · [D-CA-11] · P000197 · Co-sponsored 2025-06-02
- Rep. Sorensen, Eric [D-IL-17] · [D-IL-17] · S001225 · Co-sponsored 2025-06-20
- Rep. Randall, Emily [D-WA-6] · [D-WA-6] · R000621 · Co-sponsored 2025-06-20Dem-WA-6 current · 1 term · 1 district office
- Rep. Trahan, Lori [D-MA-3] · [D-MA-3] · T000482 · Co-sponsored 2025-06-23
- Rep. McBath, Lucy [D-GA-6] · [D-GA-6] · M001208 · Co-sponsored 2025-06-23
- Rep. Pou, Nellie [D-NJ-9] · [D-NJ-9] · P000621 · Co-sponsored 2025-07-02
- Rep. Pingree, Chellie [D-ME-1] · [D-ME-1] · P000597 · Co-sponsored 2025-07-14
- Rep. Quigley, Mike [D-IL-5] · [D-IL-5] · Q000023 · Co-sponsored 2025-07-17
- Rep. Mannion, John W. [D-NY-22] · [D-NY-22] · M001231 · Co-sponsored 2025-07-21
- Rep. Casten, Sean [D-IL-6] · [D-IL-6] · C001117 · Co-sponsored 2025-07-23
- Rep. Larson, John B. [D-CT-1] · [D-CT-1] · L000557 · Co-sponsored 2025-07-25
- Rep. Vindman, Eugene Simon [D-VA-7] · [D-VA-7] · V000138 · Co-sponsored 2025-07-29
- Rep. Cohen, Steve [D-TN-9] · [D-TN-9] · C001068 · Co-sponsored 2025-07-29
- Rep. Subramanyam, Suhas [D-VA-10] · [D-VA-10] · S001230 · Co-sponsored 2025-08-01
- Rep. Deluzio, Christopher R. [D-PA-17] · [D-PA-17] · D000530 · Co-sponsored 2025-08-05
- Rep. Dingell, Debbie [D-MI-6] · [D-MI-6] · D000624 · Co-sponsored 2025-08-08
- Rep. Soto, Darren [D-FL-9] · [D-FL-9] · S001200 · Co-sponsored 2025-08-08
- Rep. McBride, Sarah [D-DE-At Large] · [D-DE-0] · M001238 · Co-sponsored 2025-08-08Dem-DE current · 1 term · 1 district office
- Rep. Cherfilus-McCormick, Sheila [D-FL-20] · [D-FL-20] · C001127 · Co-sponsored 2025-08-08Dem-FL-20 current · 3 terms
- Rep. Wasserman Schultz, Debbie [D-FL-25] · [D-FL-25] · W000797 · Co-sponsored 2025-08-08
- Rep. Courtney, Joe [D-CT-2] · [D-CT-2] · C001069 · Co-sponsored 2025-08-08
- Rep. Mullin, Kevin [D-CA-15] · [D-CA-15] · M001225 · Co-sponsored 2025-08-15
- Rep. Gonzalez, Vicente [D-TX-34] · [D-TX-34] · G000581 · Co-sponsored 2025-08-15
- Rep. Dean, Madeleine [D-PA-4] · [D-PA-4] · D000631 · Co-sponsored 2025-08-15
- Rep. Clarke, Yvette D. [D-NY-9] · [D-NY-9] · C001067 · Co-sponsored 2025-08-15
- Rep. Larsen, Rick [D-WA-2] · [D-WA-2] · L000560 · Co-sponsored 2025-08-15
- Rep. Khanna, Ro [D-CA-17] · [D-CA-17] · K000389 · Co-sponsored 2025-08-15
- Rep. Krishnamoorthi, Raja [D-IL-8] · [D-IL-8] · K000391 · Co-sponsored 2025-08-15
- Rep. Moulton, Seth [D-MA-6] · [D-MA-6] · M001196 · Co-sponsored 2025-08-15
- Rep. Morrison, Kelly [D-MN-3] · [D-MN-3] · M001234 · Co-sponsored 2025-08-15
- Rep. Stanton, Greg [D-AZ-4] · [D-AZ-4] · S001211 · Co-sponsored 2025-08-19
- Rep. Hayes, Jahana [D-CT-5] · [D-CT-5] · H001081 · Co-sponsored 2025-08-26
- Rep. Magaziner, Seth [D-RI-2] · [D-RI-2] · M001223 · Co-sponsored 2025-08-26
- Rep. Garcia, Sylvia R. [D-TX-29] · [D-TX-29] · G000587 · Co-sponsored 2025-08-26
- Rep. Bynum, Janelle S. [D-OR-5] · [D-OR-5] · B001326 · Co-sponsored 2025-08-26
- Rep. Correa, J. Luis [D-CA-46] · [D-CA-46] · C001110 · Co-sponsored 2025-08-26
- Rep. Menendez, Robert [D-NJ-8] · [D-NJ-8] · M001226 · Co-sponsored 2025-08-26
- Rep. Kamlager-Dove, Sydney [D-CA-37] · [D-CA-37] · K000400 · Co-sponsored 2025-09-02
- Rep. Watson Coleman, Bonnie [D-NJ-12] · [D-NJ-12] · W000822 · Co-sponsored 2025-09-02
- Rep. Elfreth, Sarah [D-MD-3] · [D-MD-3] · E000301 · Co-sponsored 2025-09-02
- Rep. Ruiz, Raul [D-CA-25] · [D-CA-25] · R000599 · Co-sponsored 2025-09-02
- Rep. Kelly, Robin L. [D-IL-2] · [D-IL-2] · K000385 · Co-sponsored 2025-09-02
- Rep. Tokuda, Jill N. [D-HI-2] · [D-HI-2] · T000487 · Co-sponsored 2025-09-02
- Rep. Thanedar, Shri [D-MI-13] · [D-MI-13] · T000488 · Co-sponsored 2025-09-02
- Rep. Houlahan, Chrissy [D-PA-6] · [D-PA-6] · H001085 · Co-sponsored 2025-09-02
- Rep. Carter, Troy A. [D-LA-2] · [D-LA-2] · C001125 · Co-sponsored 2025-09-02
- Rep. Wilson, Frederica S. [D-FL-24] · [D-FL-24] · W000808 · Co-sponsored 2025-09-02
- Rep. McCollum, Betty [D-MN-4] · [D-MN-4] · M001143 · Co-sponsored 2025-09-02
- Rep. McClain Delaney, April [D-MD-6] · [D-MD-6] · M001232 · Co-sponsored 2025-09-02
- Rep. Ivey, Glenn [D-MD-4] · [D-MD-4] · I000058 · Co-sponsored 2025-09-02
- Rep. Balint, Becca [D-VT-At Large] · [D-VT-0] · B001318 · Co-sponsored 2025-09-02
- Rep. Strickland, Marilyn [D-WA-10] · [D-WA-10] · S001159 · Co-sponsored 2025-09-02
- Rep. Torres, Ritchie [D-NY-15] · [D-NY-15] · T000486 · Co-sponsored 2025-09-02
- Rep. Neguse, Joe [D-CO-2] · [D-CO-2] · N000191 · Co-sponsored 2025-09-02
- Rep. Brown, Shontel M. [D-OH-11] · [D-OH-11] · B001313 · Co-sponsored 2025-09-02
- Rep. Crow, Jason [D-CO-6] · [D-CO-6] · C001121 · Co-sponsored 2025-09-02
- Rep. Foushee, Valerie P. [D-NC-4] · [D-NC-4] · F000477 · Co-sponsored 2025-09-02
- Rep. Escobar, Veronica [D-TX-16] · [D-TX-16] · E000299 · Co-sponsored 2025-09-04
- Rep. Thompson, Bennie G. [D-MS-2] · [D-MS-2] · T000193 · Co-sponsored 2025-09-09
- Rep. Leger Fernandez, Teresa [D-NM-3] · [D-NM-3] · L000273 · Co-sponsored 2025-09-09
- Rep. Olszewski, Johnny [D-MD-2] · [D-MD-2] · O000176 · Co-sponsored 2025-09-09
- Rep. Suozzi, Thomas R. [D-NY-3] · [D-NY-3] · S001201 · Co-sponsored 2025-09-09
- Rep. Moskowitz, Jared [D-FL-23] · [D-FL-23] · M001217 · Co-sponsored 2025-09-09
- Rep. Simon, Lateefah [D-CA-12] · [D-CA-12] · S001231 · Co-sponsored 2025-09-09
- Rep. Norcross, Donald [D-NJ-1] · [D-NJ-1] · N000188 · Co-sponsored 2025-09-09
- Rep. Fletcher, Lizzie [D-TX-7] · [D-TX-7] · F000468 · Co-sponsored 2025-09-09
- Rep. Veasey, Marc A. [D-TX-33] · [D-TX-33] · V000131 · Co-sponsored 2025-09-09
- Rep. Rivas, Luz M. [D-CA-29] · [D-CA-29] · R000620 · Co-sponsored 2025-09-09
- Rep. Cleaver, Emanuel [D-MO-5] · [D-MO-5] · C001061 · Co-sponsored 2025-09-09
- Rep. Gillen, Laura [D-NY-4] · [D-NY-4] · G000602 · Co-sponsored 2025-09-09
- Rep. Friedman, Laura [D-CA-30] · [D-CA-30] · F000483 · Co-sponsored 2025-09-09
- Rep. Lynch, Stephen F. [D-MA-8] · [D-MA-8] · L000562 · Co-sponsored 2025-09-09
- Rep. Tlaib, Rashida [D-MI-12] · [D-MI-12] · T000481 · Co-sponsored 2025-09-15
- Rep. Jacobs, Sara [D-CA-51] · [D-CA-51] · J000305 · Co-sponsored 2025-09-15
- Rep. Nadler, Jerrold [D-NY-12] · [D-NY-12] · N000002 · Co-sponsored 2025-09-15
- Rep. Clyburn, James E. [D-SC-6] · [D-SC-6] · C000537 · Co-sponsored 2025-09-15
- Rep. Meeks, Gregory W. [D-NY-5] · [D-NY-5] · M001137 · Co-sponsored 2025-09-15
- Rep. Scott, Robert C. "Bobby" [D-VA-3] · [D-VA-3] · S000185 · Co-sponsored 2025-09-15
- Rep. Latimer, George [D-NY-16] · [D-NY-16] · L000606 · Co-sponsored 2025-09-15
- Rep. Johnson, Julie [D-TX-32] · [D-TX-32] · J000310 · Co-sponsored 2025-09-15
- Rep. Figures, Shomari [D-AL-2] · [D-AL-2] · F000481 · Co-sponsored 2025-09-15
- Del. Plaskett, Stacey E. [D-VI-At Large] · [D-VI-0] · P000610 · Co-sponsored 2025-09-15
- Rep. Sewell, Terri A. [D-AL-7] · [D-AL-7] · S001185 · Co-sponsored 2025-09-15
- Rep. Lieu, Ted [D-CA-36] · [D-CA-36] · L000582 · Co-sponsored 2025-09-15
- Rep. Conaway, Herbert C. [D-NJ-3] · [D-NJ-3] · C001136 · Co-sponsored 2025-09-15
- Rep. Sánchez, Linda T. [D-CA-38] · [D-CA-38] · S001156 · Co-sponsored 2025-09-15
- Rep. Bera, Ami [D-CA-6] · [D-CA-6] · B001287 · Co-sponsored 2025-09-15
- Rep. Ross, Deborah K. [D-NC-2] · [D-NC-2] · R000305 · Co-sponsored 2025-09-15
- Rep. Ryan, Patrick [D-NY-18] · [D-NY-18] · R000579 · Co-sponsored 2025-09-15
- Rep. Pappas, Chris [D-NH-1] · [D-NH-1] · P000614 · Co-sponsored 2025-09-15
- Rep. Beatty, Joyce [D-OH-3] · [D-OH-3] · B001281 · Co-sponsored 2025-09-15
- Rep. Swalwell, Eric [D-CA-14] · [D-CA-14] · S001193 · Co-sponsored 2025-09-15Dem-CA-14 current · 7 terms
- Rep. Liccardo, Sam T. [D-CA-16] · [D-CA-16] · L000607 · Co-sponsored 2025-09-18
- Rep. Whitesides, George [D-CA-27] · [D-CA-27] · W000830 · Co-sponsored 2025-09-18
- Rep. Ocasio-Cortez, Alexandria [D-NY-14] · [D-NY-14] · O000172 · Co-sponsored 2025-09-18
- Rep. DeSaulnier, Mark [D-CA-10] · [D-CA-10] · D000623 · Co-sponsored 2025-09-18
- Rep. Pallone, Frank [D-NJ-6] · [D-NJ-6] · P000034 · Co-sponsored 2025-09-30
- Rep. Walkinshaw, James R. [D-VA-11] · [D-VA-11] · W000831 · Co-sponsored 2025-09-30Dem-VA-11 current · 1 term · 1 district office
- Rep. Sherrill, Mikie [D-NJ-11] · [D-NJ-11] · S001207 · Co-sponsored 2025-10-03Dem-NJ-11 current · 4 terms
- Rep. Scott, David [D-GA-13] · [D-GA-13] · S001157 · Co-sponsored 2025-10-03Dem-GA-13 current · 12 terms
- Rep. Velázquez, Nydia M. [D-NY-7] · [D-NY-7] · V000081 · Co-sponsored 2025-10-03
- Rep. Himes, James A. [D-CT-4] · [D-CT-4] · H001047 · Co-sponsored 2025-10-08
- Rep. Smith, Adam [D-WA-9] · [D-WA-9] · S000510 · Co-sponsored 2025-10-14
- Rep. Gottheimer, Josh [D-NJ-5] · [D-NJ-5] · G000583 · Co-sponsored 2025-10-14
- Rep. Fields, Cleo [D-LA-6] · [D-LA-6] · F000110 · Co-sponsored 2026-01-06
Committees (1)
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- Ways and Means Committee [House Standing]2025-01-09T14:40:10ZReferred To
Actions — from XML (3)
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- 2025-01-09IntroReferralH11100via House floor actionsReferred to the House Committee on Ways and Means.
- 2025-01-09IntroReferralIntro-Hvia Library of CongressIntroduced in House
- 2025-01-09IntroReferral1000via Library of CongressIntroduced in House
Actions — from bill_actions table (0)
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Titles
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- Display Title2026-07-18T00:01:20ZHealth Care Affordability Act of 2025
- Short Title(s) as IntroducedIH2025-02-06T01:08:15ZHealth Care Affordability Act of 2025
- Official Title as IntroducedIH2025-02-06T01:03:23ZTo amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan.
Text versions (from XML)
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- Introduced in House2025-01-09T05:00:00Z
Versions — from bill_versions table (0)
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Policy area
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Summaries
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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.
Related bills
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- HR 6900 (119) American Affordability Act of 2025Latest: 2025-12-18 — Referred to the Committee on Ways and Means, and in addition to the Committees on Education and Workforce, and Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.Relationship: Related bill (via CRS)
- HR 7767 (119) Make Billionaires Pay Their Fair Share ActLatest: 2026-03-03 — Referred to the Committee on Ways and Means, and in addition to the Committees on Energy and Commerce, Financial Services, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.Relationship: Related bill (via CRS)
- S 3956 (119) Make Billionaires Pay Their Fair Share ActLatest: 2026-03-02 — Read twice and referred to the Committee on Finance.Relationship: Related bill (via CRS)
- HR 4849 (119) Protecting Health Care and Lowering Costs Act of 2025Latest: 2025-08-01 — Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.Relationship: Related bill (via CRS)
- S 2556 (119) Protecting Health Care and Lowering Costs ActLatest: 2025-07-30 — Read twice and referred to the Committee on Finance. (text: CR S4908)Relationship: Related bill (via CRS)
- S 46 (119) Health Care Affordability Act of 2025Latest: 2025-01-09 — Read twice and referred to the Committee on Finance.Relationship: Identical bill (via CRS)
- HR 10730 (119) Healthy Communities Act of 2026Latest: 2026-10-05 — Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.Relationship: Related bill (via CRS)
Amendments (0)
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Dublin Core
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- 247
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- title
- Health Care Affordability Act of 2025
- short_title
- Health Care Affordability Act of 2025
- sponsor_bioguide_id
- U000040
- sponsor_name
- Rep. Underwood, Lauren [D-IL-14]
- sponsor_party
- D
- sponsor_state
- IL
- introduced_date
- 2025-01-09
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- 2025-01-09
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- Referred to the House Committee on Ways and Means.
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[ "Health care costs and insurance", "Income tax credits", "Tax administration and collection, taxpayers" ]
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- summary_lede
- 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 exc…
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- 2026-04-20T08:15:57.988066+00:00
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- 2026-10-22T11:30:41.610261+00:00
