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Protecting Health Care and Lowering Costs Act
To repeal the changes made by the health subtitle of the One Big Beautiful Bill Act, and for other purposes.
Summary
This bill repeals health-related provisions from the One Big Beautiful Bill Act and makes permanent an enhanced Affordable Care Act premium tax credit. It removes the current income cap of 400 percent of the federal poverty level, allowing people with higher incomes to qualify for the premium tax credit. The bill establishes a sliding scale of required premium contributions based on household income, with individuals at 400 percent of poverty or higher required to pay 8.5 percent of their income toward premiums (with lower percentages for lower income levels). The bill removes certain affordability limitations that previously restricted the tax credit. These changes take effect for tax 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)
46 cosponsors
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD)
- Sen. Baldwin, Tammy [D-WI] (D-WI)
- Sen. Bennet, Michael F. [D-CO] (D-CO)
- Sen. Blumenthal, Richard [D-CT] (D-CT)
- Sen. Blunt Rochester, Lisa [D-DE] (D-DE)
- Sen. Booker, Cory A. [D-NJ] (D-NJ)
- Sen. Cantwell, Maria [D-WA] (D-WA)
- Sen. Coons, Christopher A. [D-DE] (D-DE)
- Sen. Cortez Masto, Catherine [D-NV] (D-NV)
- Sen. Duckworth, Tammy [D-IL] (D-IL)
- Sen. Durbin, Richard J. [D-IL] (D-IL)
- Sen. Fetterman, John [D-PA] (D-PA)
- Sen. Gallego, Ruben [D-AZ] (D-AZ)
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY)
- Sen. Hassan, Margaret Wood [D-NH] (D-NH)
- Sen. Heinrich, Martin [D-NM] (D-NM)
- Sen. Hickenlooper, John W. [D-CO] (D-CO)
- Sen. Hirono, Mazie K. [D-HI] (D-HI)
- Sen. Kaine, Tim [D-VA] (D-VA)
- Sen. Kelly, Mark [D-AZ] (D-AZ)
- Sen. Kim, Andy [D-NJ] (D-NJ)
- Sen. King, Angus S., Jr. [I-ME] (I-ME)
- Sen. Klobuchar, Amy [D-MN] (D-MN)
- Sen. Luján, Ben Ray [D-NM] (D-NM)
- Sen. Markey, Edward J. [D-MA] (D-MA)
- Sen. Merkley, Jeff [D-OR] (D-OR)
- Sen. Murphy, Christopher [D-CT] (D-CT)
- Sen. Murray, Patty [D-WA] (D-WA)
- Sen. Ossoff, Jon [D-GA] (D-GA)
- Sen. Padilla, Alex [D-CA] (D-CA)
- Sen. Peters, Gary C. [D-MI] (D-MI)
- Sen. Reed, Jack [D-RI] (D-RI)
- Sen. Rosen, Jacky [D-NV] (D-NV)
- Sen. Sanders, Bernard [I-VT] (I-VT)
- Sen. Schatz, Brian [D-HI] (D-HI)
- Sen. Schiff, Adam B. [D-CA] (D-CA)
- Sen. Shaheen, Jeanne [D-NH] (D-NH)
- Sen. Slotkin, Elissa [D-MI] (D-MI)
- Sen. Smith, Tina [D-MN] (D-MN)
- Sen. Van Hollen, Chris [D-MD] (D-MD)
- Sen. Warner, Mark R. [D-VA] (D-VA)
- Sen. Warnock, Raphael G. [D-GA] (D-GA)
- Sen. Warren, Elizabeth [D-MA] (D-MA)
- Sen. Welch, Peter [D-VT] (D-VT)
- Sen. Whitehouse, Sheldon [D-RI] (D-RI)
- Sen. Wyden, Ron [D-OR] (D-OR)
Actions (2)
- Jul 30, 2025 Read twice and referred to the Committee on Finance. (text: CR S4908) · senate
- Jul 30, 2025 Introduced in Senate
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 SENATE OF THE UNITED STATES
July 30, 2025
Mr. Schumer (for himself, Mr. Wyden, Mr. Merkley, Mrs. Shaheen, Ms. Hirono, Mr. Welch, Ms. Duckworth, Mr. Hickenlooper, Mr. King, Mr. Lujan, Mr. Sanders, Mr. Reed, Mr. Van Hollen, Mr. Peters, Mr. Blumenthal, Mrs. Murray, Mr. Schatz, Mr. Whitehouse, Ms. Warren, Mr. Warner, Mrs. Gillibrand, Mr. Kaine, Mr. Schiff, Ms. Baldwin, Mr. Markey, Mr. Coons, Ms. Alsobrooks, Mr. Durbin, Mr. Padilla, Mr. Gallego, Ms. Rosen, Mr. Warnock, Ms. Smith, Mr. Kelly, Mr. Booker, Ms. Slotkin, Mr. Bennet, Mr. Kim, Ms. Cortez Masto, Ms. Cantwell, Ms. Klobuchar, Ms. Blunt Rochester, Mr. Heinrich, Mr. Fetterman, Mr. Ossoff, Ms. Hassan, and Mr. Murphy) introduced the following bill; which was read twice and referred to the Committee on Finance
A BILL
To repeal the changes made by the health subtitle of the One Big Beautiful Bill Act, 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 “Protecting Health Care and Lowering Costs Act”.
SEC. 2. REPEAL OF HEALTH SUBTITLE CHANGES.
Subtitle B of title VII of the Act titled “An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14” (Public Law 119-21) is repealed and any law or regulation referred to in such subtitle shall be applied as if such subtitle and the amendments made by such subtitle had not been enacted.
SEC. 3. PERMANENT EXTENSION OF ENHANCED TAX 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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