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HR 247
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Health Care Affordability Act of 2025

To amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan.

Introduced Jan 9, 2025

Latest action (Jan 9, 2025) Referred to the House Committee on Ways and Means.

Referred to
Ways and Means Committee
Policy area
Taxation
Issues
Healthcare
Legislative subjects (3)
Health care costs and insuranceIncome tax creditsTax administration and collection, taxpayers

Summary

This bill amends the Internal Revenue Code to expand eligibility for the refundable tax credit for health insurance coverage purchased through qualified health plans. Currently, the credit is limited to individuals and families with household income up to 400 percent of the federal poverty line; this bill removes that income cap, making higher-income individuals and families eligible for the credit. The bill also restructures the sliding scale of premium percentages that individuals are expected to pay based on their income level as a percentage of poverty line, with the maximum premium percentage capped at 8.5 percent for all eligible individuals. The changes remove related provisions from the tax code that were tied to the old 400 percent income limit. The amendments are effective for taxable years beginning after December 31, 2025.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
165 cosponsors

Money behind the sponsor

Top reported contributors to Lauren Underwood’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • UNIVERSITY OF CHICAGO $33,465
  • NORTHWESTERN UNIVERSITY $26,150
  • BLUE SHIELD OF CALIFORNIA $18,100
  • CORNERSTONE GOVERNMENT AFFAIRS $16,800
  • CLIFFORD LAW OFFICES $13,200

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Lauren Underwood → · Outside spending →

Actions (2)
  1. Jan 9, 2025 Referred to the House Committee on Ways and Means. · house
  2. Jan 9, 2025 Introduced in House

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • S 3385 — Lower Health Care Costs Act (shares 3 subjects)
  • HR 191 — Inflation Reduction Act of 2025 (shares 3 subjects)
  • HR 6506 — Taxpayer Due Process Enhancement Act (shares 2 subjects)
  • HR 7314 — Advancing Commonsense Policies Act (shares 2 subjects)
  • S 3386 — Health Care Freedom for Patients Act of 2025 (shares 2 subjects)
  • HR 185 — Responsible Legislating Act (shares 2 subjects)
  • HR 1654 — CUTS Act (shares 2 subjects)
  • HR 150 — People CARE Act (shares 2 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 46 — Health Care Affordability Act of 2025 · Introduced Jan 9, 2025 · Cong. 119 87%
  • S 3368 — Restoring Patient Protections and Affordability Act of 2025 · Introduced Dec 4, 2025 · Cong. 119 76%
  • HR 1529 — Access Technology Affordability Act of 2025 · Introduced Feb 24, 2025 · Cong. 119 75%
  • HR 8242 — Health Coverage Tax Credit Reauthorization Act of 2026 · Introduced Apr 9, 2026 · Cong. 119 72%
  • HR 6016 — Keep Healthcare Affordable Act · Introduced Nov 10, 2025 · Cong. 119 71%
  • HR 6501 — Bipartisan Health Insurance Affordability Act · Introduced Dec 9, 2025 · Cong. 119 70%

Text versions (1)
  • Introduced in House · Jan 9, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

January 9, 2025

Ms. Underwood (for herself, Ms. Castor of Florida, Ms. Schakowsky, Ms. DeGette, Mr. Grijalva, Ms. Pettersen, Ms. Barragan, Mr. Panetta, Mr. Hoyer, Ms. Norton, Ms. Titus, Mr. Morelle, Mr. Tonko, Ms. Moore of Wisconsin, Ms. Stevens, Ms. DelBene, Ms. Hoyle of Oregon, Mr. Johnson of Georgia, Ms. Budzinski, Mr. Pocan, Mr. Beyer, Mr. Horsford, and Mr. Amo) introduced the following bill; which was referred to the Committee on Ways and Means

A BILL

To amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Health Care Affordability Act of 2025”.

SEC. 2. INCREASE IN ELIGIBILITY FOR CREDIT.

(a) In General.—Subparagraph (A) of section 36B(c)(1) of the Internal Revenue Code of 1986 is amended by striking “but does not exceed 400 percent”.

(b) Applicable Percentages.—

(1) In general.—Subparagraph (A) of section 36B(b)(3) of the Internal Revenue Code of 1986 is amended to read as follows:

“(A) Applicable percentage.—The applicable percentage for any taxable year shall be the percentage such that the applicable percentage for any taxpayer whose household income is within an income tier specified in the following table shall increase, on a sliding scale in a linear manner, from the initial premium percentage to the final premium percentage specified in such table for such income tier:

The initial The final “In the case of household income (expressed premium premium as a percent of poverty line) within the percentage percentage following income tier: is— is— Up to 150 percent............................. 0 0 150 percent up to 200 percent................. 0 2.0 200 percent up to 250 percent................. 2.0 4.0 250 percent up to 300 percent................. 4.0 6.0 300 percent up to 400 percent................. 6.0 8.5 400 percent and higher........................ 8.5 8.5.”.

(2) Conforming amendments relating to affordability of coverage.—

(A) Paragraph (1) of section 36B(c) of such Code is amended by striking subparagraph (E).

(B) Subparagraph (C) of section 36B(c)(2) of such Code is amended by striking clause (iv).

(C) Paragraph (4) of section 36B(c) of such Code is amended by striking subparagraph (F).

(c) Effective Date.—The amendments made by this section shall apply to taxable years beginning after December 31, 2025. <all>

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