Only the left has signed this so far (Bill Ranking)
S. 46 · 119th Congress (2025-2026)
45 members · Left 37 · Center 8 · Right 0 (Bill Ranking)
| Sponsor | Sen. Shaheen, Jeanne (D-NH) (Introduced 01/09/2025) |
|---|---|
| Sponsor Voting Record | Center · DW-NOMINATE -0.22 · measured from every roll-call vote this member has cast (voteview.com) (Sponsor Ranking) |
| Support |
LLLCLRR support across the spectrum: 45 members signed on (Bill Ranking) this bill: sponsor + current cosponsors, each once |
| Committees | Senate - Finance Committee |
| Latest Action | 01/09/2025 Read twice and referred to the Committee on Finance. |
| Roll Call Votes | There have been no roll call votes |
| Source | view on congress.gov → |
Introduced in Senate (01/09/2025)
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.
119 S46 IS: Health Care Affordability Act of 2025 U.S. Senate 2025-01-09 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. II119th CONGRESS1st SessionS. 46IN THE SENATE OF THE UNITED STATESJanuary 9, 2025Mrs. 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. Luján, 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 FinanceA BILLTo amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan.1.Short titleThis Act may be cited as the Health Care Affordability Act of 2025.2.Increase in eligibility for credit(a)In generalSubparagraph (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 generalSubparagraph (A) of section 36B(b)(3) of the Internal Revenue Code of 1986 is amended to read as follows:(A)Applicable percentageThe 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:In the case of household income (expressed as a percent of poverty line) within the following income tier:The initial premium percentage is—The final premium percentage is—Up to 150 percent00150 percent up to 200 percent02.0200 percent up to 250 percent2.04.0250 percent up to 300 percent4.06.0300 percent up to 400 percent6.08.5400 percent and higher8.58.5..(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 dateThe amendments made by this section shall apply to taxable years beginning after December 31, 2025.
The bill's own words, from our database (synced from the GPO BILLS XML); paragraph breaks added at the bill's section boundaries, nothing else changed.
| Date | Chamber | All Actions |
|---|---|---|
| 01/09/2025 | Library of Congress | Introduced in Senate |
| 01/09/2025 | Senate | Read twice and referred to the Committee on Finance. |
| Title Type | Title |
|---|---|
| Display Title | Health Care Affordability Act of 2025 |
| Short Title(s) as Introduced | Health Care Affordability Act of 2025 |
| Official Title as Introduced | A bill to amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan. |
There are no amendments to this bill.
* = Original cosponsor
| Committee | Activity |
|---|---|
| Senate - Finance Committee | 01/09/2025 Referred To |
Policy Area: Taxation
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