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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.
Summary
This Act expands eligibility for the federal tax credit that helps people afford health insurance by removing the current income cap of 400 percent of the federal poverty level. Under current law, the tax credit phases out for individuals earning above 400 percent of poverty; this bill eliminates that upper limit. The bill also modifies how much income households must contribute toward health insurance premiums, establishing a sliding scale where individuals earning up to 150 percent of poverty pay nothing, and those earning above 400 percent of poverty pay a maximum of 8.5 percent of their income toward premiums. The changes apply to 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)
- Sen. Shaheen, Jeanne [D-NH] (D-NH)
44 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. 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. Schatz, Brian [D-HI] (D-HI)
- Sen. Schiff, Adam B. [D-CA] (D-CA)
- Sen. Schumer, Charles E. [D-NY] (D-NY)
- 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)
- Jan 9, 2025 Read twice and referred to the Committee on Finance. · senate
- Jan 9, 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
January 9, 2025
Mrs. Shaheen (for herself, Ms. Baldwin, Mr. Schumer, Mr. Wyden, Mr. Blumenthal, Mr. King, Ms. Hassan, Mr. Welch, Mr. Kaine, Mr. Coons, Ms. Warren, Mr. Durbin, Mrs. Murray, Mr. Warnock, Mrs. Gillibrand, Mr. Reed, Ms. Duckworth, Mr. Van Hollen, Ms. Cortez Masto, Mr. Schatz, Mr. Padilla, Ms. Smith, Ms. Klobuchar, Ms. Rosen, Mr. Kelly, Mr. Booker, Mr. Whitehouse, Mr. Merkley, Mr. Schiff, Mr. Warner, Mr. Markey, Mr. Lujan, Ms. Hirono, Mr. Bennet, Mr. Hickenlooper, Mr. Peters, Mr. Fetterman, Mr. Heinrich, Mr. Kim, and Ms. Slotkin) introduced the following bill; which was read twice and referred to the Committee on Finance
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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