Health Care Affordability Act of 2025
Sponsored By: Representative Underwood
Introduced
Summary
Expands refundable premium tax credit eligibility beyond the previous 400% of the federal poverty line and replaces the fixed cap with a tiered, sliding-scale formula for household premium contributions. These changes would apply to taxable years beginning after December 31, 2025.
Show full summary
- Households above 400% of the federal poverty line would become newly eligible for the premium tax credit and would face an 8.5% cap on their required premium share.
- Households at or below 150% of the poverty line would have a 0% required premium contribution under the new schedule.
- Households between those bands would see required premium shares increase linearly within defined tiers so contribution rises gradually as income climbs.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Premium tax credits for all incomes
This bill would expand eligibility for the premium tax credit above 400% of the federal poverty line (FPL). Your required share of the benchmark premium would follow a sliding scale by income. Up to 150% FPL: 0%. 150%–200%: 0%–2%. 200%–250%: 2%–4%. 250%–300%: 4%–6%. 300%–400%: 6%–8.5%. Over 400%: 8.5%. The percentage would rise linearly within each band. If enacted, these rules would apply for tax years starting in 2026.
Sponsors & CoSponsors
Sponsor
Underwood
IL • D
Cosponsors
Castor (FL)
FL • D
Sponsored 1/9/2025
Schakowsky
IL • D
Sponsored 1/9/2025
DeGette
CO • D
Sponsored 1/9/2025
Grijalva
AZ • D
Sponsored 1/9/2025
Pettersen
CO • D
Sponsored 1/9/2025
Barragan
CA • D
Sponsored 1/9/2025
Panetta
CA • D
Sponsored 1/9/2025
Hoyer
MD • D
Sponsored 1/9/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 1/9/2025
Titus
NV • D
Sponsored 1/9/2025
Morelle
NY • D
Sponsored 1/9/2025
Tonko
NY • D
Sponsored 1/9/2025
Moore (WI)
WI • D
Sponsored 1/9/2025
Stevens
MI • D
Sponsored 1/9/2025
DelBene
WA • D
Sponsored 1/9/2025
Hoyle (OR)
OR • D
Sponsored 1/9/2025
Johnson (GA)
GA • D
Sponsored 1/9/2025
Budzinski
IL • D
Sponsored 1/9/2025
Pocan
WI • D
Sponsored 1/9/2025
Beyer
VA • D
Sponsored 1/9/2025
Horsford
NV • D
Sponsored 1/9/2025
Amo
RI • D
Sponsored 1/9/2025
Scanlon
PA • D
Sponsored 1/13/2025
Omar
MN • D
Sponsored 1/22/2025
Craig
MN • D
Sponsored 1/23/2025
Schneider
IL • D
Sponsored 2/5/2025
Turner (TX)
TX • D
Sponsored 2/7/2025
Waters
CA • D
Sponsored 2/10/2025
Davids (KS)
KS • D
Sponsored 2/10/2025
Garcia (CA)
CA • D
Sponsored 2/10/2025
McIver
NJ • D
Sponsored 2/10/2025
Schrier
WA • D
Sponsored 2/12/2025
Brownley
CA • D
Sponsored 2/12/2025
Frost
FL • D
Sponsored 2/12/2025
Bonamici
OR • D
Sponsored 2/18/2025
Mrvan
IN • D
Sponsored 2/21/2025
McClellan
VA • D
Sponsored 2/21/2025
Jackson (IL)
IL • D
Sponsored 2/21/2025
Lee (NV)
NV • D
Sponsored 2/24/2025
Bishop
GA • D
Sponsored 2/25/2025
Salinas
OR • D
Sponsored 2/25/2025
Ansari
AZ • D
Sponsored 3/5/2025
Lofgren
CA • D
Sponsored 3/14/2025
Frankel, Lois
FL • D
Sponsored 3/24/2025
Dexter
OR • D
Sponsored 3/24/2025
Cisneros
CA • D
Sponsored 3/25/2025
Matsui
CA • D
Sponsored 3/31/2025
Levin
CA • D
Sponsored 4/3/2025
Sherman
CA • D
Sponsored 4/10/2025
Chu
CA • D
Sponsored 4/10/2025
Torres (CA)
CA • D
Sponsored 4/17/2025
Gomez
CA • D
Sponsored 4/17/2025
Bell
MO • D
Sponsored 4/17/2025
Kennedy (NY)
NY • D
Sponsored 4/24/2025
Landsman
OH • D
Sponsored 4/29/2025
Sykes
OH • D
Sponsored 5/14/2025
Scholten
MI • D
Sponsored 5/14/2025
Goodlander
NH • D
Sponsored 5/14/2025
McDonald Rivet
MI • D
Sponsored 5/29/2025
Castro (TX)
TX • D
Sponsored 5/29/2025
Pelosi
CA • D
Sponsored 6/2/2025
Sorensen
IL • D
Sponsored 6/20/2025
Randall
WA • D
Sponsored 6/20/2025
Trahan
MA • D
Sponsored 6/23/2025
McBath
GA • D
Sponsored 6/23/2025
Pou
NJ • D
Sponsored 7/2/2025
Pingree
ME • D
Sponsored 7/14/2025
Quigley
IL • D
Sponsored 7/17/2025
Mannion
NY • D
Sponsored 7/21/2025
Casten
IL • D
Sponsored 7/23/2025
Larson (CT)
CT • D
Sponsored 7/25/2025
Vindman
VA • D
Sponsored 7/29/2025
Cohen
TN • D
Sponsored 7/29/2025
Subramanyam
VA • D
Sponsored 8/1/2025
Deluzio
PA • D
Sponsored 8/5/2025
Dingell
MI • D
Sponsored 8/8/2025
Soto
FL • D
Sponsored 8/8/2025
McBride
DE • D
Sponsored 8/8/2025
Cherfilus-McCormick
FL • D
Sponsored 8/8/2025
Wasserman Schultz
FL • D
Sponsored 8/8/2025
Courtney
CT • D
Sponsored 8/8/2025
Mullin
CA • D
Sponsored 8/15/2025
Gonzalez, V.
TX • D
Sponsored 8/15/2025
Dean (PA)
PA • D
Sponsored 8/15/2025
Clarke (NY)
NY • D
Sponsored 8/15/2025
Larsen (WA)
WA • D
Sponsored 8/15/2025
Khanna
CA • D
Sponsored 8/15/2025
Krishnamoorthi
IL • D
Sponsored 8/15/2025
Moulton
MA • D
Sponsored 8/15/2025
Morrison
MN • D
Sponsored 8/15/2025
Stanton
AZ • D
Sponsored 8/19/2025
Hayes
CT • D
Sponsored 8/26/2025
Magaziner
RI • D
Sponsored 8/26/2025
Garcia (TX)
TX • D
Sponsored 8/26/2025
Bynum
OR • D
Sponsored 8/26/2025
Correa
CA • D
Sponsored 8/26/2025
Menendez
NJ • D
Sponsored 8/26/2025
Kamlager-Dove
CA • D
Sponsored 9/2/2025
Watson Coleman
NJ • D
Sponsored 9/2/2025
Elfreth
MD • D
Sponsored 9/2/2025
Ruiz
CA • D
Sponsored 9/2/2025
Kelly (IL)
IL • D
Sponsored 9/2/2025
Tokuda
HI • D
Sponsored 9/2/2025
Thanedar
MI • D
Sponsored 9/2/2025
Houlahan
PA • D
Sponsored 9/2/2025
Carter (LA)
LA • D
Sponsored 9/2/2025
Wilson (FL)
FL • D
Sponsored 9/2/2025
McCollum
MN • D
Sponsored 9/2/2025
McClain Delaney
MD • D
Sponsored 9/2/2025
Ivey
MD • D
Sponsored 9/2/2025
Balint
VT • D
Sponsored 9/2/2025
Strickland
WA • D
Sponsored 9/2/2025
Torres (NY)
NY • D
Sponsored 9/2/2025
Neguse
CO • D
Sponsored 9/2/2025
Brown
OH • D
Sponsored 9/2/2025
Crow
CO • D
Sponsored 9/2/2025
Foushee
NC • D
Sponsored 9/2/2025
Escobar
TX • D
Sponsored 9/4/2025
Thompson (MS)
MS • D
Sponsored 9/9/2025
Leger Fernandez
NM • D
Sponsored 9/9/2025
Olszewski
MD • D
Sponsored 9/9/2025
Suozzi
NY • D
Sponsored 9/9/2025
Moskowitz
FL • D
Sponsored 9/9/2025
Simon
CA • D
Sponsored 9/9/2025
Norcross
NJ • D
Sponsored 9/9/2025
Fletcher
TX • D
Sponsored 9/9/2025
Veasey
TX • D
Sponsored 9/9/2025
Rivas
CA • D
Sponsored 9/9/2025
Cleaver
MO • D
Sponsored 9/9/2025
Gillen
NY • D
Sponsored 9/9/2025
Friedman
CA • D
Sponsored 9/9/2025
Lynch
MA • D
Sponsored 9/9/2025
Tlaib
MI • D
Sponsored 9/15/2025
Jacobs
CA • D
Sponsored 9/15/2025
Nadler
NY • D
Sponsored 9/15/2025
Clyburn
SC • D
Sponsored 9/15/2025
Meeks
NY • D
Sponsored 9/15/2025
Scott (VA)
VA • D
Sponsored 9/15/2025
Latimer
NY • D
Sponsored 9/15/2025
Johnson (TX)
TX • D
Sponsored 9/15/2025
Figures
AL • D
Sponsored 9/15/2025
Del. Plaskett, Stacey E. [D-VI-At Large]
VI • D
Sponsored 9/15/2025
Sewell
AL • D
Sponsored 9/15/2025
Lieu
CA • D
Sponsored 9/15/2025
Conaway
NJ • D
Sponsored 9/15/2025
Sanchez
CA • D
Sponsored 9/15/2025
Bera
CA • D
Sponsored 9/15/2025
Ross
NC • D
Sponsored 9/15/2025
Ryan
NY • D
Sponsored 9/15/2025
Pappas
NH • D
Sponsored 9/15/2025
Beatty
OH • D
Sponsored 9/15/2025
Swalwell
CA • D
Sponsored 9/15/2025
Liccardo
CA • D
Sponsored 9/18/2025
Whitesides
CA • D
Sponsored 9/18/2025
Ocasio-Cortez
NY • D
Sponsored 9/18/2025
DeSaulnier
CA • D
Sponsored 9/18/2025
Pallone
NJ • D
Sponsored 9/30/2025
Walkinshaw
VA • D
Sponsored 9/30/2025
Sherrill
NJ • D
Sponsored 10/3/2025
Scott, David
GA • D
Sponsored 10/3/2025
Velazquez
NY • D
Sponsored 10/3/2025
Himes
CT • D
Sponsored 10/8/2025
Smith (WA)
WA • D
Sponsored 10/14/2025
Gottheimer
NJ • D
Sponsored 10/14/2025
Fields
LA • D
Sponsored 1/6/2026
Roll Call Votes
No roll call votes available for this bill.
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