# 119-hr-247: Health Care Affordability Act of 2025

119-hr-247, Health Care Affordability Act of 2025, is a 119th Congress bill sponsored by Rep. Underwood, Lauren [D-IL-14] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/legislation/119-hr-247
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-247
- Congress: 119
- Title: Health Care Affordability Act of 2025
- Status: introduced
- Introduced: 2025-01-09
- Sponsor: Rep. Underwood, Lauren [D-IL-14] (D-IL)
- Cosponsors: 165
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-10-17

## 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. - 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.

## Cosponsors (165)

- Rep. Castor, Kathy [D-FL-14] (D-FL), 2025-01-09T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2025-01-09T00:00:00.000Z
- Rep. DeGette, Diana [D-CO-1] (D-CO), 2025-01-09T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2025-01-09T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-01-09T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2025-01-09T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-01-09T00:00:00.000Z
- Rep. Hoyer, Steny H. [D-MD-5] (D-MD), 2025-01-09T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-01-09T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-01-09T00:00:00.000Z
- Rep. Morelle, Joseph D. [D-NY-25] (D-NY), 2025-01-09T00:00:00.000Z
- Rep. Tonko, Paul [D-NY-20] (D-NY), 2025-01-09T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2025-01-09T00:00:00.000Z
- Rep. Stevens, Haley M. [D-MI-11] (D-MI), 2025-01-09T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-01-09T00:00:00.000Z
- Rep. Hoyle, Val T. [D-OR-4] (D-OR), 2025-01-09T00:00:00.000Z
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-01-09T00:00:00.000Z
- Rep. Budzinski, Nikki [D-IL-13] (D-IL), 2025-01-09T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2025-01-09T00:00:00.000Z
- Rep. Beyer, Donald S. [D-VA-8] (D-VA), 2025-01-09T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2025-01-09T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2025-01-09T00:00:00.000Z
- Rep. Scanlon, Mary Gay [D-PA-5] (D-PA), 2025-01-13T00:00:00.000Z
- Rep. Omar, Ilhan [D-MN-5] (D-MN), 2025-01-22T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-01-23T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-02-05T00:00:00.000Z
- Sylvester Turner (D-TX), 2025-02-07T00:00:00.000Z
- Rep. Waters, Maxine [D-CA-43] (D-CA), 2025-02-10T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2025-02-10T00:00:00.000Z
- Rep. Garcia, Robert [D-CA-42] (D-CA), 2025-02-10T00:00:00.000Z
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ), 2025-02-10T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-02-12T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-02-12T00:00:00.000Z
- Rep. Frost, Maxwell [D-FL-10] (D-FL), 2025-02-12T00:00:00.000Z
- Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2025-02-18T00:00:00.000Z
- Rep. Mrvan, Frank J. [D-IN-1] (D-IN), 2025-02-21T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2025-02-21T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-02-21T00:00:00.000Z
- Rep. Lee, Susie [D-NV-3] (D-NV), 2025-02-24T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-02-25T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-02-25T00:00:00.000Z
- Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2025-03-05T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2025-03-14T00:00:00.000Z
- Rep. Frankel, Lois [D-FL-22] (D-FL), 2025-03-24T00:00:00.000Z
- Rep. Dexter, Maxine [D-OR-3] (D-OR), 2025-03-24T00:00:00.000Z
- Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2025-03-25T00:00:00.000Z
- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-03-31T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2025-04-03T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-04-10T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2025-04-10T00:00:00.000Z
- Rep. Torres, Norma J. [D-CA-35] (D-CA), 2025-04-17T00:00:00.000Z
- Rep. Gomez, Jimmy [D-CA-34] (D-CA), 2025-04-17T00:00:00.000Z
- Rep. Bell, Wesley [D-MO-1] (D-MO), 2025-04-17T00:00:00.000Z
- Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2025-04-24T00:00:00.000Z
- Rep. Landsman, Greg [D-OH-1] (D-OH), 2025-04-29T00:00:00.000Z
- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2025-05-14T00:00:00.000Z
- Rep. Scholten, Hillary J. [D-MI-3] (D-MI), 2025-05-14T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2025-05-14T00:00:00.000Z
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI), 2025-05-29T00:00:00.000Z
- Rep. Castro, Joaquin [D-TX-20] (D-TX), 2025-05-29T00:00:00.000Z
- Rep. Pelosi, Nancy [D-CA-12] (D-CA), 2025-06-02T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-06-20T00:00:00.000Z
- Rep. Randall, Emily [D-WA-6] (D-WA), 2025-06-20T00:00:00.000Z
- Rep. Trahan, Lori [D-MA-3] (D-MA), 2025-06-23T00:00:00.000Z
- Rep. McBath, Lucy [D-GA-6] (D-GA), 2025-06-23T00:00:00.000Z
- Rep. Pou, Nellie [D-NJ-9] (D-NJ), 2025-07-02T00:00:00.000Z
- Rep. Pingree, Chellie [D-ME-1] (D-ME), 2025-07-14T00:00:00.000Z
- Rep. Quigley, Mike [D-IL-5] (D-IL), 2025-07-17T00:00:00.000Z
- Rep. Mannion, John W. [D-NY-22] (D-NY), 2025-07-21T00:00:00.000Z
- Rep. Casten, Sean [D-IL-6] (D-IL), 2025-07-23T00:00:00.000Z
- Rep. Larson, John B. [D-CT-1] (D-CT), 2025-07-25T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-07-29T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-07-29T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2025-08-01T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2025-08-05T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-08-08T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-08-08T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-08-08T00:00:00.000Z
- Rep. Cherfilus-McCormick, Sheila [D-FL-20] (D-FL), 2025-08-08T00:00:00.000Z
- Rep. Wasserman Schultz, Debbie [D-FL-25] (D-FL), 2025-08-08T00:00:00.000Z
- Rep. Courtney, Joe [D-CT-2] (D-CT), 2025-08-08T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2025-08-15T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2025-08-15T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2025-08-15T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2025-08-15T00:00:00.000Z
- Rep. Khanna, Ro [D-CA-17] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-08-15T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2025-08-15T00:00:00.000Z
- Rep. Morrison, Kelly [D-MN-3] (D-MN), 2025-08-15T00:00:00.000Z
- Rep. Stanton, Greg [D-AZ-4] (D-AZ), 2025-08-19T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2025-08-26T00:00:00.000Z
- Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-08-26T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2025-08-26T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2025-08-26T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-08-26T00:00:00.000Z
- Rep. Menendez, Robert [D-NJ-8] (D-NJ), 2025-08-26T00:00:00.000Z
- Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA), 2025-09-02T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-09-02T00:00:00.000Z
- Rep. Elfreth, Sarah [D-MD-3] (D-MD), 2025-09-02T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-09-02T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-09-02T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-09-02T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-09-02T00:00:00.000Z
- Rep. Houlahan, Chrissy [D-PA-6] (D-PA), 2025-09-02T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2025-09-02T00:00:00.000Z
- Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2025-09-02T00:00:00.000Z
- Rep. McCollum, Betty [D-MN-4] (D-MN), 2025-09-02T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-09-02T00:00:00.000Z
- Rep. Ivey, Glenn [D-MD-4] (D-MD), 2025-09-02T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2025-09-02T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2025-09-02T00:00:00.000Z
- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-09-02T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-09-02T00:00:00.000Z
- Rep. Brown, Shontel M. [D-OH-11] (D-OH), 2025-09-02T00:00:00.000Z
- Rep. Crow, Jason [D-CO-6] (D-CO), 2025-09-02T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2025-09-02T00:00:00.000Z
- Rep. Escobar, Veronica [D-TX-16] (D-TX), 2025-09-04T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-09-09T00:00:00.000Z
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2025-09-09T00:00:00.000Z
- Rep. Olszewski, Johnny [D-MD-2] (D-MD), 2025-09-09T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-09-09T00:00:00.000Z
- Rep. Moskowitz, Jared [D-FL-23] (D-FL), 2025-09-09T00:00:00.000Z
- Rep. Simon, Lateefah [D-CA-12] (D-CA), 2025-09-09T00:00:00.000Z
- Rep. Norcross, Donald [D-NJ-1] (D-NJ), 2025-09-09T00:00:00.000Z
- Rep. Fletcher, Lizzie [D-TX-7] (D-TX), 2025-09-09T00:00:00.000Z
- Rep. Veasey, Marc A. [D-TX-33] (D-TX), 2025-09-09T00:00:00.000Z
- Rep. Rivas, Luz M. [D-CA-29] (D-CA), 2025-09-09T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-09-09T00:00:00.000Z
- Rep. Gillen, Laura [D-NY-4] (D-NY), 2025-09-09T00:00:00.000Z
- Rep. Friedman, Laura [D-CA-30] (D-CA), 2025-09-09T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2025-09-09T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-09-15T00:00:00.000Z
- Rep. Jacobs, Sara [D-CA-51] (D-CA), 2025-09-15T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2025-09-15T00:00:00.000Z
- Rep. Clyburn, James E. [D-SC-6] (D-SC), 2025-09-15T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2025-09-15T00:00:00.000Z
- Rep. Scott, Robert C. "Bobby" [D-VA-3] (D-VA), 2025-09-15T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-09-15T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2025-09-15T00:00:00.000Z
- Rep. Figures, Shomari [D-AL-2] (D-AL), 2025-09-15T00:00:00.000Z
- Del. Plaskett, Stacey E. [D-VI-At Large] (D-VI), 2025-09-15T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2025-09-15T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-09-15T00:00:00.000Z
- Rep. Conaway, Herbert C. [D-NJ-3] (D-NJ), 2025-09-15T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2025-09-15T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2025-09-15T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-09-15T00:00:00.000Z
- Rep. Ryan, Patrick [D-NY-18] (D-NY), 2025-09-15T00:00:00.000Z
- Rep. Pappas, Chris [D-NH-1] (D-NH), 2025-09-15T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-09-15T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-09-15T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2025-09-18T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2025-09-18T00:00:00.000Z
- Rep. Ocasio-Cortez, Alexandria [D-NY-14] (D-NY), 2025-09-18T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2025-09-18T00:00:00.000Z
- Rep. Pallone, Frank [D-NJ-6] (D-NJ), 2025-09-30T00:00:00.000Z
- Rep. Walkinshaw, James R. [D-VA-11] (D-VA), 2025-09-30T00:00:00.000Z
- Rep. Sherrill, Mikie [D-NJ-11] (D-NJ), 2025-10-03T00:00:00.000Z
- Rep. Scott, David [D-GA-13] (D-GA), 2025-10-03T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2025-10-03T00:00:00.000Z
- Rep. Himes, James A. [D-CT-4] (D-CT), 2025-10-08T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2025-10-14T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-10-14T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2026-01-06T00:00:00.000Z

## Provisions PRIA read

- Premium tax credits for all incomes: benefit, high. 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…

## Related bills

- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025
- 119-hr-15: Equality Act
- 119-hr-17: Paycheck Fairness Act
- 119-hr-1810: Safe Schools Improvement Act
- 119-hr-18: Bipartisan Background Checks Act of 2025

## Sources
- [119-hr-247 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/247)

## Related
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-hr-14)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [119-hr-1810: Safe Schools Improvement Act](https://policyrisk.com/legislation/119-hr-1810)
- [119-hr-18: Bipartisan Background Checks Act of 2025](https://policyrisk.com/legislation/119-hr-18)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-247 (as of 2026-10-17).