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119-s-2556119th CongressWALLET

Protecting Health Care and Lowering Costs Act

Sponsored By: Senator Schumer, Charles E. [D-NY]

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

Schumer, Charles E. [D-NY]

NY • D

Cosponsors

  • Sen. Wyden, Ron [D-OR]

    OR • D

    Sponsored 7/30/2025

  • Sen. Merkley, Jeff [D-OR]

    OR • D

    Sponsored 7/30/2025

  • Sen. Shaheen, Jeanne [D-NH]

    NH • D

    Sponsored 7/30/2025

  • Sen. Hirono, Mazie K. [D-HI]

    HI • D

    Sponsored 7/30/2025

  • Sen. Welch, Peter [D-VT]

    VT • D

    Sponsored 7/30/2025

  • Sen. Duckworth, Tammy [D-IL]

    IL • D

    Sponsored 7/30/2025

  • Sen. Hickenlooper, John W. [D-CO]

    CO • D

    Sponsored 7/30/2025

  • Sen. King, Angus S., Jr. [I-ME]

    ME • I

    Sponsored 7/30/2025

  • Sen. Luján, Ben Ray [D-NM]

    NM • D

    Sponsored 7/30/2025

  • Sen. Sanders, Bernard [I-VT]

    VT • I

    Sponsored 7/30/2025

  • Sen. Reed, Jack [D-RI]

    RI • D

    Sponsored 7/30/2025

  • Sen. Van Hollen, Chris [D-MD]

    MD • D

    Sponsored 7/30/2025

  • Sen. Peters, Gary C. [D-MI]

    MI • D

    Sponsored 7/30/2025

  • Sen. Blumenthal, Richard [D-CT]

    CT • D

    Sponsored 7/30/2025

  • Sen. Murray, Patty [D-WA]

    WA • D

    Sponsored 7/30/2025

  • Sen. Schatz, Brian [D-HI]

    HI • D

    Sponsored 7/30/2025

  • Sen. Whitehouse, Sheldon [D-RI]

    RI • D

    Sponsored 7/30/2025

  • Sen. Warren, Elizabeth [D-MA]

    MA • D

    Sponsored 7/30/2025

  • Sen. Warner, Mark R. [D-VA]

    VA • D

    Sponsored 7/30/2025

  • Sen. Gillibrand, Kirsten E. [D-NY]

    NY • D

    Sponsored 7/30/2025

  • Sen. Kaine, Tim [D-VA]

    VA • D

    Sponsored 7/30/2025

  • Sen. Schiff, Adam B. [D-CA]

    CA • D

    Sponsored 7/30/2025

  • Sen. Baldwin, Tammy [D-WI]

    WI • D

    Sponsored 7/30/2025

  • Sen. Markey, Edward J. [D-MA]

    MA • D

    Sponsored 7/30/2025

  • Sen. Coons, Christopher A. [D-DE]

    DE • D

    Sponsored 7/30/2025

  • Sen. Alsobrooks, Angela D. [D-MD]

    MD • D

    Sponsored 7/30/2025

  • Sen. Durbin, Richard J. [D-IL]

    IL • D

    Sponsored 7/30/2025

  • Sen. Padilla, Alex [D-CA]

    CA • D

    Sponsored 7/30/2025

  • Sen. Gallego, Ruben [D-AZ]

    AZ • D

    Sponsored 7/30/2025

  • Sen. Rosen, Jacky [D-NV]

    NV • D

    Sponsored 7/30/2025

  • Sen. Warnock, Raphael G. [D-GA]

    GA • D

    Sponsored 7/30/2025

  • Sen. Smith, Tina [D-MN]

    MN • D

    Sponsored 7/30/2025

  • Sen. Kelly, Mark [D-AZ]

    AZ • D

    Sponsored 7/30/2025

  • Sen. Booker, Cory A. [D-NJ]

    NJ • D

    Sponsored 7/30/2025

  • Sen. Slotkin, Elissa [D-MI]

    MI • D

    Sponsored 7/30/2025

  • Sen. Bennet, Michael F. [D-CO]

    CO • D

    Sponsored 7/30/2025

  • Sen. Kim, Andy [D-NJ]

    NJ • D

    Sponsored 7/30/2025

  • Sen. Cortez Masto, Catherine [D-NV]

    NV • D

    Sponsored 7/30/2025

  • Sen. Cantwell, Maria [D-WA]

    WA • D

    Sponsored 7/30/2025

  • Sen. Klobuchar, Amy [D-MN]

    MN • D

    Sponsored 7/30/2025

  • Sen. Blunt Rochester, Lisa [D-DE]

    DE • D

    Sponsored 7/30/2025

  • Sen. Heinrich, Martin [D-NM]

    NM • D

    Sponsored 7/30/2025

  • Sen. Fetterman, John [D-PA]

    PA • D

    Sponsored 7/30/2025

  • Sen. Ossoff, Jon [D-GA]

    GA • D

    Sponsored 7/30/2025

  • Sen. Hassan, Margaret Wood [D-NH]

    NH • D

    Sponsored 7/30/2025

  • Sen. Murphy, Christopher [D-CT]

    CT • D

    Sponsored 7/30/2025

Roll Call Votes

No roll call votes available for this bill.

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