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Puerto Rico Affordable Care Act of 2025
To amend the Patient Protection and Affordable Care Act to require the establishment of an Exchange in Puerto Rico, and for other purposes.
Summary
The bill amends the Patient Protection and Affordable Care Act to extend its coverage to Puerto Rico by requiring the establishment of a health insurance Exchange (marketplace) in Puerto Rico beginning one year after enactment. The bill ensures that health insurance market reforms and consumer protections under the Affordable Care Act, which were previously not fully applied to Puerto Rico, will now apply to health insurance coverage offered in Puerto Rico. The bill also allows Puerto Rico residents to claim premium tax credits (subsidies) for health insurance, treating Puerto Rico the same as the 50 states for tax credit eligibility purposes. All provisions take effect beginning one year after the bill is enacted.
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)
- Rep. Soto, Darren [D-FL-9] (D-FL)
1 cosponsor
Money behind the sponsor
Top reported contributors to Darren Soto’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $20,000
- AMSCOT FINANCIAL $13,500
- MILLER BARONDESS $10,300
- ANDREESSEN HOROWITZ $10,000
- ROCKET COMPANIES $9,900
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Darren Soto → · Outside spending →
Actions (2)
- Dec 4, 2025 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. · house
- Dec 4, 2025 Introduced in House
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.
Full text
IN THE HOUSE OF REPRESENTATIVES
December 4, 2025
Mr. Soto (for himself and Mr. Hernandez) introduced the following bill; which was 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
A BILL
To amend the Patient Protection and Affordable Care Act to require the establishment of an Exchange in Puerto Rico, and for other purposes.
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 “Puerto Rico Affordable Care Act of 2025”.
SEC. 2. REQUIRING THE ESTABLISHMENT OF AN EXCHANGE IN PUERTO RICO.
Section 1304(d) of the Patient Protection and Affordable Care Act (42 U.S.C. 18024(d)) is amended by inserting “and, beginning on the date that is 1 year after the date of the enactment of the Puerto Rico Affordable Care Act of 2025, Puerto Rico” before the period.
SEC. 3. ENSURING APPLICATION OF HEALTH INSURANCE MARKET REFORMS IN PUERTO RICO.
Notwithstanding the letter sent by the Administrator of the Centers for Medicare & Medicaid Services to the Commissioner of Insurance of Puerto Rico on July 16, 2014, relating to the applicability of certain provisions of title XXVII of the Public Health Service Act (42 U.S.C. 300gg et seq.) in Puerto Rico, the Secretary of Health and Human Services shall, beginning on the date that is 1 year after the date of the enactment of this Act, apply such provisions to health insurance coverage (as defined in section 2791 of such Act (42 U.S.C. 300gg-91)) offered in Puerto Rico.
SEC. 4. APPLICATION OF PREMIUM TAX CREDITS IN PUERTO RICO.
(a) In General.—Section 36B of the Internal Revenue Code of 1986 is amended by redesignating subsection (h) as subsection (i) and by inserting after subsection (g) the following new subsection:
“(h) Application of Tax Credit to Residents of Puerto Rico.—For purposes of subsections (b)(2)(A), (b)(3)(C), (b)(3)(D)(ii), and
(c)(2)(A)(i), Puerto Rico shall be treated in the same manner as a State.”.
(b) Effective Date.—The amendments made by this section shall apply to months beginning on or after the date that is 1 year after the date of the enactment of this Act. <all>
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