Health Care Affordability Act of 2025
Sponsored By: Senator Jeanne Shaheen
Introduced
Summary
Permanently expands and increases premium tax credits for people who buy marketplace health insurance by making the ARPA and IRA changes permanent and removing the 400% income cap. The bill would apply to taxable years beginning after December 31, 2025.
Show full summary
- Families and lower-income households — Would increase premium tax credit amounts and reduce monthly premiums by keeping the ARPA and IRA lower contribution rates.
- Higher-income taxpayers — Would allow people with incomes above 400% of the federal poverty level to qualify for the premium tax credit.
- All marketplace shoppers — Replaces the current formula with a sliding scale across six income tiers so household premium shares rise smoothly and top out at 8.5%.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More health premium tax help
This bill would change the refundable premium tax credit for Marketplace health plans. It would replace the current percentage rule with a six-tier table that sets the share of income you must pay toward premiums. The tiers are: up to 150% of poverty 0%; 150%–200% rising 0%→2%; 200%–250% rising 2%→4%; 250%–300% rising 4%→6%; 300%–400% rising 6%→8.5%; and 400%+ fixed at 8.5%. The bill would also remove the current 400%‑of‑poverty eligibility cap so people above 400% could qualify for the refundable credit. These changes would apply to tax years beginning after December 31, 2025.
Sponsors & CoSponsors
Sponsor
Jeanne Shaheen
NH • D
Cosponsors
Tammy Baldwin
WI • D
Sponsored 1/9/2025
Charles Schumer
NY • D
Sponsored 1/9/2025
Ron Wyden
OR • D
Sponsored 1/9/2025
Richard Blumenthal
CT • D
Sponsored 1/9/2025
Angus King
ME • I
Sponsored 1/9/2025
Maggie Hassan
NH • D
Sponsored 1/9/2025
Peter Welch
VT • D
Sponsored 1/9/2025
Timothy Kaine
VA • D
Sponsored 1/9/2025
Christopher Coons
DE • D
Sponsored 1/9/2025
Elizabeth Warren
MA • D
Sponsored 1/9/2025
Richard Durbin
IL • D
Sponsored 1/9/2025
Patty Murray
WA • D
Sponsored 1/9/2025
Raphael Warnock
GA • D
Sponsored 1/9/2025
Kirsten Gillibrand
NY • D
Sponsored 1/9/2025
John Reed
RI • D
Sponsored 1/9/2025
Tammy Duckworth
IL • D
Sponsored 1/9/2025
Chris Van Hollen
MD • D
Sponsored 1/9/2025
Catherine Cortez Masto
NV • D
Sponsored 1/9/2025
Brian Schatz
HI • D
Sponsored 1/9/2025
Alex Padilla
CA • D
Sponsored 1/9/2025
Tina Smith
MN • D
Sponsored 1/9/2025
Amy Klobuchar
MN • D
Sponsored 1/9/2025
Jacky Rosen
NV • D
Sponsored 1/9/2025
Mark Kelly
AZ • D
Sponsored 1/9/2025
Cory Booker
NJ • D
Sponsored 1/9/2025
Sheldon Whitehouse
RI • D
Sponsored 1/9/2025
Jeff Merkley
OR • D
Sponsored 1/9/2025
Adam Schiff
CA • D
Sponsored 1/9/2025
Mark Warner
VA • D
Sponsored 1/9/2025
Edward Markey
MA • D
Sponsored 1/9/2025
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 1/9/2025
Mazie Hirono
HI • D
Sponsored 1/9/2025
Michael Bennet
CO • D
Sponsored 1/9/2025
John Hickenlooper
CO • D
Sponsored 1/9/2025
Gary Peters
MI • D
Sponsored 1/9/2025
John Fetterman
PA • D
Sponsored 1/9/2025
Martin Heinrich
NM • D
Sponsored 1/9/2025
Andy Kim
NJ • D
Sponsored 1/9/2025
Elissa Slotkin
MI • D
Sponsored 1/9/2025
Christopher Murphy
CT • D
Sponsored 1/13/2025
Lisa Blunt Rochester
DE • D
Sponsored 1/23/2025
Ruben Gallego
AZ • D
Sponsored 4/9/2025
Angela Alsobrooks
MD • D
Sponsored 4/28/2025
Jon Ossoff
GA • D
Sponsored 7/21/2025
Roll Call Votes
No roll call votes available for this bill.
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