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HR247119th CongressWALLET

Health Care Affordability Act of 2025

Sponsored By: Representative Underwood, Lauren [D-IL-14]

Introduced

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.

Show full summary
  • 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.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Premium tax credits for all incomes

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%: 8.5%. The percentage would rise linearly within each band. If enacted, these rules would apply for tax years starting in 2026.

Sponsors & CoSponsors

Sponsor

Underwood, Lauren [D-IL-14]

IL • D

Cosponsors

  • Rep. Castor, Kathy [D-FL-14]

    FL • D

    Sponsored 1/9/2025

  • Rep. Schakowsky, Janice D. [D-IL-9]

    IL • D

    Sponsored 1/9/2025

  • Rep. DeGette, Diana [D-CO-1]

    CO • D

    Sponsored 1/9/2025

  • Rep. Grijalva, Raúl M. [D-AZ-7]

    AZ • D

    Sponsored 1/9/2025

  • Rep. Pettersen, Brittany [D-CO-7]

    CO • D

    Sponsored 1/9/2025

  • Rep. Barragán, Nanette Diaz [D-CA-44]

    CA • D

    Sponsored 1/9/2025

  • Rep. Panetta, Jimmy [D-CA-19]

    CA • D

    Sponsored 1/9/2025

  • Rep. Hoyer, Steny H. [D-MD-5]

    MD • D

    Sponsored 1/9/2025

  • Del. Norton, Eleanor Holmes [D-DC-At Large]

    DC • D

    Sponsored 1/9/2025

  • Rep. Titus, Dina [D-NV-1]

    NV • D

    Sponsored 1/9/2025

  • Rep. Morelle, Joseph D. [D-NY-25]

    NY • D

    Sponsored 1/9/2025

  • Rep. Tonko, Paul [D-NY-20]

    NY • D

    Sponsored 1/9/2025

  • Rep. Moore, Gwen [D-WI-4]

    WI • D

    Sponsored 1/9/2025

  • Rep. Stevens, Haley M. [D-MI-11]

    MI • D

    Sponsored 1/9/2025

  • Rep. DelBene, Suzan K. [D-WA-1]

    WA • D

    Sponsored 1/9/2025

  • Rep. Hoyle, Val T. [D-OR-4]

    OR • D

    Sponsored 1/9/2025

  • Rep. Johnson, Henry C. "Hank" [D-GA-4]

    GA • D

    Sponsored 1/9/2025

  • Rep. Budzinski, Nikki [D-IL-13]

    IL • D

    Sponsored 1/9/2025

  • Rep. Pocan, Mark [D-WI-2]

    WI • D

    Sponsored 1/9/2025

  • Rep. Beyer, Donald S. [D-VA-8]

    VA • D

    Sponsored 1/9/2025

  • Rep. Horsford, Steven [D-NV-4]

    NV • D

    Sponsored 1/9/2025

  • Rep. Amo, Gabe [D-RI-1]

    RI • D

    Sponsored 1/9/2025

  • Rep. Scanlon, Mary Gay [D-PA-5]

    PA • D

    Sponsored 1/13/2025

  • Rep. Omar, Ilhan [D-MN-5]

    MN • D

    Sponsored 1/22/2025

  • Rep. Craig, Angie [D-MN-2]

    MN • D

    Sponsored 1/23/2025

  • Rep. Schneider, Bradley Scott [D-IL-10]

    IL • D

    Sponsored 2/5/2025

  • Sylvester Turner

    TX • D

    Sponsored 2/7/2025

  • Rep. Waters, Maxine [D-CA-43]

    CA • D

    Sponsored 2/10/2025

  • Rep. Davids, Sharice [D-KS-3]

    KS • D

    Sponsored 2/10/2025

  • Rep. Garcia, Robert [D-CA-42]

    CA • D

    Sponsored 2/10/2025

  • Rep. McIver, LaMonica [D-NJ-10]

    NJ • D

    Sponsored 2/10/2025

  • Rep. Schrier, Kim [D-WA-8]

    WA • D

    Sponsored 2/12/2025

  • Rep. Brownley, Julia [D-CA-26]

    CA • D

    Sponsored 2/12/2025

  • Rep. Frost, Maxwell [D-FL-10]

    FL • D

    Sponsored 2/12/2025

  • Rep. Bonamici, Suzanne [D-OR-1]

    OR • D

    Sponsored 2/18/2025

  • Rep. Mrvan, Frank J. [D-IN-1]

    IN • D

    Sponsored 2/21/2025

  • Rep. McClellan, Jennifer L. [D-VA-4]

    VA • D

    Sponsored 2/21/2025

  • Rep. Jackson, Jonathan L. [D-IL-1]

    IL • D

    Sponsored 2/21/2025

  • Rep. Lee, Susie [D-NV-3]

    NV • D

    Sponsored 2/24/2025

  • Rep. Bishop, Sanford D. [D-GA-2]

    GA • D

    Sponsored 2/25/2025

  • Rep. Salinas, Andrea [D-OR-6]

    OR • D

    Sponsored 2/25/2025

  • Rep. Ansari, Yassamin [D-AZ-3]

    AZ • D

    Sponsored 3/5/2025

  • Rep. Lofgren, Zoe [D-CA-18]

    CA • D

    Sponsored 3/14/2025

  • Rep. Frankel, Lois [D-FL-22]

    FL • D

    Sponsored 3/24/2025

  • Rep. Dexter, Maxine [D-OR-3]

    OR • D

    Sponsored 3/24/2025

  • Rep. Cisneros, Gilbert Ray [D-CA-31]

    CA • D

    Sponsored 3/25/2025

  • Rep. Matsui, Doris O. [D-CA-7]

    CA • D

    Sponsored 3/31/2025

  • Rep. Levin, Mike [D-CA-49]

    CA • D

    Sponsored 4/3/2025

  • Rep. Sherman, Brad [D-CA-32]

    CA • D

    Sponsored 4/10/2025

  • Rep. Chu, Judy [D-CA-28]

    CA • D

    Sponsored 4/10/2025

  • Rep. Torres, Norma J. [D-CA-35]

    CA • D

    Sponsored 4/17/2025

  • Rep. Gomez, Jimmy [D-CA-34]

    CA • D

    Sponsored 4/17/2025

  • Rep. Bell, Wesley [D-MO-1]

    MO • D

    Sponsored 4/17/2025

  • Rep. Kennedy, Timothy M. [D-NY-26]

    NY • D

    Sponsored 4/24/2025

  • Rep. Landsman, Greg [D-OH-1]

    OH • D

    Sponsored 4/29/2025

  • Rep. Sykes, Emilia Strong [D-OH-13]

    OH • D

    Sponsored 5/14/2025

  • Rep. Scholten, Hillary J. [D-MI-3]

    MI • D

    Sponsored 5/14/2025

  • Rep. Goodlander, Maggie [D-NH-2]

    NH • D

    Sponsored 5/14/2025

  • Rep. McDonald Rivet, Kristen [D-MI-8]

    MI • D

    Sponsored 5/29/2025

  • Rep. Castro, Joaquin [D-TX-20]

    TX • D

    Sponsored 5/29/2025

  • Pelosi

    CA • D

    Sponsored 6/2/2025

  • Rep. Sorensen, Eric [D-IL-17]

    IL • D

    Sponsored 6/20/2025

  • Rep. Randall, Emily [D-WA-6]

    WA • D

    Sponsored 6/20/2025

  • Rep. Trahan, Lori [D-MA-3]

    MA • D

    Sponsored 6/23/2025

  • Rep. McBath, Lucy [D-GA-6]

    GA • D

    Sponsored 6/23/2025

  • Rep. Pou, Nellie [D-NJ-9]

    NJ • D

    Sponsored 7/2/2025

  • Rep. Pingree, Chellie [D-ME-1]

    ME • D

    Sponsored 7/14/2025

  • Rep. Quigley, Mike [D-IL-5]

    IL • D

    Sponsored 7/17/2025

  • Rep. Mannion, John W. [D-NY-22]

    NY • D

    Sponsored 7/21/2025

  • Rep. Casten, Sean [D-IL-6]

    IL • D

    Sponsored 7/23/2025

  • Rep. Larson, John B. [D-CT-1]

    CT • D

    Sponsored 7/25/2025

  • Rep. Vindman, Eugene Simon [D-VA-7]

    VA • D

    Sponsored 7/29/2025

  • Rep. Cohen, Steve [D-TN-9]

    TN • D

    Sponsored 7/29/2025

  • Rep. Subramanyam, Suhas [D-VA-10]

    VA • D

    Sponsored 8/1/2025

  • Rep. Deluzio, Christopher R. [D-PA-17]

    PA • D

    Sponsored 8/5/2025

  • Rep. Dingell, Debbie [D-MI-6]

    MI • D

    Sponsored 8/8/2025

  • Rep. Soto, Darren [D-FL-9]

    FL • D

    Sponsored 8/8/2025

  • Rep. McBride, Sarah [D-DE-At Large]

    DE • D

    Sponsored 8/8/2025

  • Rep. Cherfilus-McCormick, Sheila [D-FL-20]

    FL • D

    Sponsored 8/8/2025

  • Rep. Wasserman Schultz, Debbie [D-FL-25]

    FL • D

    Sponsored 8/8/2025

  • Rep. Courtney, Joe [D-CT-2]

    CT • D

    Sponsored 8/8/2025

  • Rep. Mullin, Kevin [D-CA-15]

    CA • D

    Sponsored 8/15/2025

  • Rep. Gonzalez, Vicente [D-TX-34]

    TX • D

    Sponsored 8/15/2025

  • Rep. Dean, Madeleine [D-PA-4]

    PA • D

    Sponsored 8/15/2025

  • Rep. Clarke, Yvette D. [D-NY-9]

    NY • D

    Sponsored 8/15/2025

  • Rep. Larsen, Rick [D-WA-2]

    WA • D

    Sponsored 8/15/2025

  • Rep. Khanna, Ro [D-CA-17]

    CA • D

    Sponsored 8/15/2025

  • Rep. Krishnamoorthi, Raja [D-IL-8]

    IL • D

    Sponsored 8/15/2025

  • Rep. Moulton, Seth [D-MA-6]

    MA • D

    Sponsored 8/15/2025

  • Rep. Morrison, Kelly [D-MN-3]

    MN • D

    Sponsored 8/15/2025

  • Rep. Stanton, Greg [D-AZ-4]

    AZ • D

    Sponsored 8/19/2025

  • Rep. Hayes, Jahana [D-CT-5]

    CT • D

    Sponsored 8/26/2025

  • Rep. Magaziner, Seth [D-RI-2]

    RI • D

    Sponsored 8/26/2025

  • Rep. Garcia, Sylvia R. [D-TX-29]

    TX • D

    Sponsored 8/26/2025

  • Rep. Bynum, Janelle S. [D-OR-5]

    OR • D

    Sponsored 8/26/2025

  • Rep. Correa, J. Luis [D-CA-46]

    CA • D

    Sponsored 8/26/2025

  • Rep. Menendez, Robert [D-NJ-8]

    NJ • D

    Sponsored 8/26/2025

  • Rep. Kamlager-Dove, Sydney [D-CA-37]

    CA • D

    Sponsored 9/2/2025

  • Rep. Watson Coleman, Bonnie [D-NJ-12]

    NJ • D

    Sponsored 9/2/2025

  • Rep. Elfreth, Sarah [D-MD-3]

    MD • D

    Sponsored 9/2/2025

  • Rep. Ruiz, Raul [D-CA-25]

    CA • D

    Sponsored 9/2/2025

  • Rep. Kelly, Robin L. [D-IL-2]

    IL • D

    Sponsored 9/2/2025

  • Rep. Tokuda, Jill N. [D-HI-2]

    HI • D

    Sponsored 9/2/2025

  • Rep. Thanedar, Shri [D-MI-13]

    MI • D

    Sponsored 9/2/2025

  • Rep. Houlahan, Chrissy [D-PA-6]

    PA • D

    Sponsored 9/2/2025

  • Rep. Carter, Troy A. [D-LA-2]

    LA • D

    Sponsored 9/2/2025

  • Rep. Wilson, Frederica S. [D-FL-24]

    FL • D

    Sponsored 9/2/2025

  • Rep. McCollum, Betty [D-MN-4]

    MN • D

    Sponsored 9/2/2025

  • Rep. McClain Delaney, April [D-MD-6]

    MD • D

    Sponsored 9/2/2025

  • Rep. Ivey, Glenn [D-MD-4]

    MD • D

    Sponsored 9/2/2025

  • Rep. Balint, Becca [D-VT-At Large]

    VT • D

    Sponsored 9/2/2025

  • Rep. Strickland, Marilyn [D-WA-10]

    WA • D

    Sponsored 9/2/2025

  • Rep. Torres, Ritchie [D-NY-15]

    NY • D

    Sponsored 9/2/2025

  • Rep. Neguse, Joe [D-CO-2]

    CO • D

    Sponsored 9/2/2025

  • Rep. Brown, Shontel M. [D-OH-11]

    OH • D

    Sponsored 9/2/2025

  • Rep. Crow, Jason [D-CO-6]

    CO • D

    Sponsored 9/2/2025

  • Rep. Foushee, Valerie P. [D-NC-4]

    NC • D

    Sponsored 9/2/2025

  • Rep. Escobar, Veronica [D-TX-16]

    TX • D

    Sponsored 9/4/2025

  • Rep. Thompson, Bennie G. [D-MS-2]

    MS • D

    Sponsored 9/9/2025

  • Rep. Leger Fernandez, Teresa [D-NM-3]

    NM • D

    Sponsored 9/9/2025

  • Rep. Olszewski, Johnny [D-MD-2]

    MD • D

    Sponsored 9/9/2025

  • Rep. Suozzi, Thomas R. [D-NY-3]

    NY • D

    Sponsored 9/9/2025

  • Rep. Moskowitz, Jared [D-FL-23]

    FL • D

    Sponsored 9/9/2025

  • Rep. Simon, Lateefah [D-CA-12]

    CA • D

    Sponsored 9/9/2025

  • Rep. Norcross, Donald [D-NJ-1]

    NJ • D

    Sponsored 9/9/2025

  • Rep. Fletcher, Lizzie [D-TX-7]

    TX • D

    Sponsored 9/9/2025

  • Rep. Veasey, Marc A. [D-TX-33]

    TX • D

    Sponsored 9/9/2025

  • Rep. Rivas, Luz M. [D-CA-29]

    CA • D

    Sponsored 9/9/2025

  • Rep. Cleaver, Emanuel [D-MO-5]

    MO • D

    Sponsored 9/9/2025

  • Rep. Gillen, Laura [D-NY-4]

    NY • D

    Sponsored 9/9/2025

  • Rep. Friedman, Laura [D-CA-30]

    CA • D

    Sponsored 9/9/2025

  • Rep. Lynch, Stephen F. [D-MA-8]

    MA • D

    Sponsored 9/9/2025

  • Rep. Tlaib, Rashida [D-MI-12]

    MI • D

    Sponsored 9/15/2025

  • Rep. Jacobs, Sara [D-CA-51]

    CA • D

    Sponsored 9/15/2025

  • Rep. Nadler, Jerrold [D-NY-12]

    NY • D

    Sponsored 9/15/2025

  • Rep. Clyburn, James E. [D-SC-6]

    SC • D

    Sponsored 9/15/2025

  • Rep. Meeks, Gregory W. [D-NY-5]

    NY • D

    Sponsored 9/15/2025

  • Rep. Scott, Robert C. "Bobby" [D-VA-3]

    VA • D

    Sponsored 9/15/2025

  • Rep. Latimer, George [D-NY-16]

    NY • D

    Sponsored 9/15/2025

  • Rep. Johnson, Julie [D-TX-32]

    TX • D

    Sponsored 9/15/2025

  • Rep. Figures, Shomari [D-AL-2]

    AL • D

    Sponsored 9/15/2025

  • Del. Plaskett, Stacey E. [D-VI-At Large]

    VI • D

    Sponsored 9/15/2025

  • Rep. Sewell, Terri A. [D-AL-7]

    AL • D

    Sponsored 9/15/2025

  • Rep. Lieu, Ted [D-CA-36]

    CA • D

    Sponsored 9/15/2025

  • Rep. Conaway, Herbert C. [D-NJ-3]

    NJ • D

    Sponsored 9/15/2025

  • Rep. Sánchez, Linda T. [D-CA-38]

    CA • D

    Sponsored 9/15/2025

  • Rep. Bera, Ami [D-CA-6]

    CA • D

    Sponsored 9/15/2025

  • Rep. Ross, Deborah K. [D-NC-2]

    NC • D

    Sponsored 9/15/2025

  • Rep. Ryan, Patrick [D-NY-18]

    NY • D

    Sponsored 9/15/2025

  • Rep. Pappas, Chris [D-NH-1]

    NH • D

    Sponsored 9/15/2025

  • Rep. Beatty, Joyce [D-OH-3]

    OH • D

    Sponsored 9/15/2025

  • Rep. Swalwell, Eric [D-CA-14]

    CA • D

    Sponsored 9/15/2025

  • Rep. Liccardo, Sam T. [D-CA-16]

    CA • D

    Sponsored 9/18/2025

  • Rep. Whitesides, George [D-CA-27]

    CA • D

    Sponsored 9/18/2025

  • Rep. Ocasio-Cortez, Alexandria [D-NY-14]

    NY • D

    Sponsored 9/18/2025

  • Rep. DeSaulnier, Mark [D-CA-10]

    CA • D

    Sponsored 9/18/2025

  • Rep. Pallone, Frank [D-NJ-6]

    NJ • D

    Sponsored 9/30/2025

  • Rep. Walkinshaw, James R. [D-VA-11]

    VA • D

    Sponsored 9/30/2025

  • Sherrill

    NJ • D

    Sponsored 10/3/2025

  • Rep. Scott, David [D-GA-13]

    GA • D

    Sponsored 10/3/2025

  • Rep. Velázquez, Nydia M. [D-NY-7]

    NY • D

    Sponsored 10/3/2025

  • Rep. Himes, James A. [D-CT-4]

    CT • D

    Sponsored 10/8/2025

  • Rep. Smith, Adam [D-WA-9]

    WA • D

    Sponsored 10/14/2025

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 10/14/2025

  • Rep. Fields, Cleo [D-LA-6]

    LA • D

    Sponsored 1/6/2026

Roll Call Votes

No roll call votes available for this bill.

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