Protecting Health Care and Lowering Costs Act
Sponsored By: Senator Charles Schumer
Introduced
Summary
Permanently expands premium tax credits and removes the 400% cap. This bill would make enhanced premium subsidies permanent with a new sliding scale of required premium shares by income and would repeal Subtitle B of Title VII to restore the prior health-related framework.
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- Households: Families and individuals above 400% of the federal poverty line could qualify for premium tax credits and would face premium caps up to 8.5% of income.
- Health law framework: Repeals Subtitle B of Title VII and directs that any law or regulation referenced there apply as if that subtitle had not been enacted, restoring the earlier health-related rules.
- Timing: The changes would apply to taxable years beginning after December 31, 2025.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Bigger health plan premium subsidies
If enacted, more people could get larger premium tax credits for Marketplace health plans. The bill would remove the 400% of poverty limit for credits. It would set a sliding scale for your share of premiums by income: up to 150% FPL = 0%; 150–200% = 0–2%; 200–250% = 2–4%; 250–300% = 4–6%; 300–400% = 6–8.5%; 400% and above = 8.5%. These changes would apply to tax years beginning after Dec 31, 2025.
Restore prior health care rules
If enacted, the bill would repeal Subtitle B of Title VII of Public Law 119-21. Agencies would treat laws and regulations as if that subtitle never existed. The repeal would take effect upon enactment. Insurers, agencies, and people whose coverage, rules, or subsidies changed under that subtitle could see earlier rules restored.
Sponsors & CoSponsors
Sponsor
Charles Schumer
NY • D
Cosponsors
Ron Wyden
OR • D
Sponsored 7/30/2025
Jeff Merkley
OR • D
Sponsored 7/30/2025
Jeanne Shaheen
NH • D
Sponsored 7/30/2025
Mazie Hirono
HI • D
Sponsored 7/30/2025
Peter Welch
VT • D
Sponsored 7/30/2025
Tammy Duckworth
IL • D
Sponsored 7/30/2025
John Hickenlooper
CO • D
Sponsored 7/30/2025
Angus King
ME • I
Sponsored 7/30/2025
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 7/30/2025
Bernie Sanders
VT • I
Sponsored 7/30/2025
John Reed
RI • D
Sponsored 7/30/2025
Chris Van Hollen
MD • D
Sponsored 7/30/2025
Gary Peters
MI • D
Sponsored 7/30/2025
Richard Blumenthal
CT • D
Sponsored 7/30/2025
Patty Murray
WA • D
Sponsored 7/30/2025
Brian Schatz
HI • D
Sponsored 7/30/2025
Sheldon Whitehouse
RI • D
Sponsored 7/30/2025
Elizabeth Warren
MA • D
Sponsored 7/30/2025
Mark Warner
VA • D
Sponsored 7/30/2025
Kirsten Gillibrand
NY • D
Sponsored 7/30/2025
Timothy Kaine
VA • D
Sponsored 7/30/2025
Adam Schiff
CA • D
Sponsored 7/30/2025
Tammy Baldwin
WI • D
Sponsored 7/30/2025
Edward Markey
MA • D
Sponsored 7/30/2025
Christopher Coons
DE • D
Sponsored 7/30/2025
Angela Alsobrooks
MD • D
Sponsored 7/30/2025
Richard Durbin
IL • D
Sponsored 7/30/2025
Alex Padilla
CA • D
Sponsored 7/30/2025
Ruben Gallego
AZ • D
Sponsored 7/30/2025
Jacky Rosen
NV • D
Sponsored 7/30/2025
Raphael Warnock
GA • D
Sponsored 7/30/2025
Tina Smith
MN • D
Sponsored 7/30/2025
Mark Kelly
AZ • D
Sponsored 7/30/2025
Cory Booker
NJ • D
Sponsored 7/30/2025
Elissa Slotkin
MI • D
Sponsored 7/30/2025
Michael Bennet
CO • D
Sponsored 7/30/2025
Andy Kim
NJ • D
Sponsored 7/30/2025
Catherine Cortez Masto
NV • D
Sponsored 7/30/2025
Maria Cantwell
WA • D
Sponsored 7/30/2025
Amy Klobuchar
MN • D
Sponsored 7/30/2025
Lisa Blunt Rochester
DE • D
Sponsored 7/30/2025
Martin Heinrich
NM • D
Sponsored 7/30/2025
John Fetterman
PA • D
Sponsored 7/30/2025
Jon Ossoff
GA • D
Sponsored 7/30/2025
Maggie Hassan
NH • D
Sponsored 7/30/2025
Christopher Murphy
CT • D
Sponsored 7/30/2025
Roll Call Votes
No roll call votes available for this bill.
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