# 119-s-2556: Protecting Health Care and Lowering Costs Act

119-s-2556, Protecting Health Care and Lowering Costs Act, is a 119th Congress bill sponsored by Sen. Schumer, Charles E. [D-NY] (D-NY); status introduced; PRIA reads it as touching household money (as of 2026-05-15).

- Canonical: https://policyrisk.com/legislation/119-s-2556
- As of: 2026-05-15
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2556
- Congress: 119
- Title: Protecting Health Care and Lowering Costs Act
- Status: introduced
- Introduced: 2025-07-30
- Sponsor: Sen. Schumer, Charles E. [D-NY] (D-NY)
- Cosponsors: 46
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-05-15

## 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. - 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.

## Cosponsors (46)

- Sen. Wyden, Ron [D-OR] (D-OR), 2025-07-30T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2025-07-30T00:00:00.000Z
- Sen. Shaheen, Jeanne [D-NH] (D-NH), 2025-07-30T00:00:00.000Z
- Sen. Hirono, Mazie K. [D-HI] (D-HI), 2025-07-30T00:00:00.000Z
- Sen. Welch, Peter [D-VT] (D-VT), 2025-07-30T00:00:00.000Z
- Sen. Duckworth, Tammy [D-IL] (D-IL), 2025-07-30T00:00:00.000Z
- Sen. Hickenlooper, John W. [D-CO] (D-CO), 2025-07-30T00:00:00.000Z
- Sen. King, Angus S., Jr. [I-ME] (I-ME), 2025-07-30T00:00:00.000Z
- Sen. Luján, Ben Ray [D-NM] (D-NM), 2025-07-30T00:00:00.000Z
- Sen. Sanders, Bernard [I-VT] (I-VT), 2025-07-30T00:00:00.000Z
- Sen. Reed, Jack [D-RI] (D-RI), 2025-07-30T00:00:00.000Z
- Sen. Van Hollen, Chris [D-MD] (D-MD), 2025-07-30T00:00:00.000Z
- Sen. Peters, Gary C. [D-MI] (D-MI), 2025-07-30T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2025-07-30T00:00:00.000Z
- Sen. Murray, Patty [D-WA] (D-WA), 2025-07-30T00:00:00.000Z
- Sen. Schatz, Brian [D-HI] (D-HI), 2025-07-30T00:00:00.000Z
- Sen. Whitehouse, Sheldon [D-RI] (D-RI), 2025-07-30T00:00:00.000Z
- Sen. Warren, Elizabeth [D-MA] (D-MA), 2025-07-30T00:00:00.000Z
- Sen. Warner, Mark R. [D-VA] (D-VA), 2025-07-30T00:00:00.000Z
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY), 2025-07-30T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2025-07-30T00:00:00.000Z
- Sen. Schiff, Adam B. [D-CA] (D-CA), 2025-07-30T00:00:00.000Z
- Sen. Baldwin, Tammy [D-WI] (D-WI), 2025-07-30T00:00:00.000Z
- Sen. Markey, Edward J. [D-MA] (D-MA), 2025-07-30T00:00:00.000Z
- Sen. Coons, Christopher A. [D-DE] (D-DE), 2025-07-30T00:00:00.000Z
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2025-07-30T00:00:00.000Z
- Sen. Durbin, Richard J. [D-IL] (D-IL), 2025-07-30T00:00:00.000Z
- Sen. Padilla, Alex [D-CA] (D-CA), 2025-07-30T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2025-07-30T00:00:00.000Z
- Sen. Rosen, Jacky [D-NV] (D-NV), 2025-07-30T00:00:00.000Z
- Sen. Warnock, Raphael G. [D-GA] (D-GA), 2025-07-30T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2025-07-30T00:00:00.000Z
- Sen. Kelly, Mark [D-AZ] (D-AZ), 2025-07-30T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2025-07-30T00:00:00.000Z
- Sen. Slotkin, Elissa [D-MI] (D-MI), 2025-07-30T00:00:00.000Z
- Sen. Bennet, Michael F. [D-CO] (D-CO), 2025-07-30T00:00:00.000Z
- Sen. Kim, Andy [D-NJ] (D-NJ), 2025-07-30T00:00:00.000Z
- Sen. Cortez Masto, Catherine [D-NV] (D-NV), 2025-07-30T00:00:00.000Z
- Sen. Cantwell, Maria [D-WA] (D-WA), 2025-07-30T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-07-30T00:00:00.000Z
- Sen. Blunt Rochester, Lisa [D-DE] (D-DE), 2025-07-30T00:00:00.000Z
- Sen. Heinrich, Martin [D-NM] (D-NM), 2025-07-30T00:00:00.000Z
- Sen. Fetterman, John [D-PA] (D-PA), 2025-07-30T00:00:00.000Z
- Sen. Ossoff, Jon [D-GA] (D-GA), 2025-07-30T00:00:00.000Z
- Sen. Hassan, Margaret Wood [D-NH] (D-NH), 2025-07-30T00:00:00.000Z
- Sen. Murphy, Christopher [D-CT] (D-CT), 2025-07-30T00:00:00.000Z

## Provisions PRIA read

- Bigger health plan premium subsidies: benefit, high. 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%…
- Restore prior health care rules: mixed, medium. 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 co…

## Related bills

- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act
- 119-s-2150: Women’s Health Protection Act of 2025
- 119-s-2523: John R. Lewis Voting Rights Advancement Act of 2025
- 119-s-1115: Paycheck Fairness Act
- 119-s-3214: Background Check Expansion Act

## Sources
- [119-s-2556 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2556)

## Related
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [119-s-2150: Women’s Health Protection Act of 2025](https://policyrisk.com/legislation/119-s-2150)
- [119-s-2523: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-s-2523)
- [119-s-1115: Paycheck Fairness Act](https://policyrisk.com/legislation/119-s-1115)
- [119-s-3214: Background Check Expansion Act](https://policyrisk.com/legislation/119-s-3214)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2556 (as of 2026-05-15).