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
Schakowsky
IL • D
Sponsored 1/9/2025
Rep. DeGette, Diana [D-CO-1]
CO • D
Sponsored 1/9/2025
Grijalva
AZ • D
Sponsored 1/9/2025
Rep. Pettersen, Brittany [D-CO-7]
CO • D
Sponsored 1/9/2025
Barragan
CA • D
Sponsored 1/9/2025
Rep. Panetta, Jimmy [D-CA-19]
CA • D
Sponsored 1/9/2025
Hoyer
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
DelBene
WA • D
Sponsored 1/9/2025
Rep. Hoyle, Val T. [D-OR-4]
OR • D
Sponsored 1/9/2025
Johnson (GA)
GA • D
Sponsored 1/9/2025
Budzinski
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
Craig
MN • D
Sponsored 1/23/2025
Rep. Schneider, Bradley Scott [D-IL-10]
IL • D
Sponsored 2/5/2025
Turner (TX)
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
Schrier
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
Bonamici
OR • D
Sponsored 2/18/2025
Mrvan
IN • D
Sponsored 2/21/2025
McClellan
VA • D
Sponsored 2/21/2025
Jackson (IL)
IL • D
Sponsored 2/21/2025
Rep. Lee, Susie [D-NV-3]
NV • D
Sponsored 2/24/2025
Bishop
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
Lofgren
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
Cisneros
CA • D
Sponsored 3/25/2025
Rep. Matsui, Doris O. [D-CA-7]
CA • D
Sponsored 3/31/2025
Levin
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
Gomez
CA • D
Sponsored 4/17/2025
Rep. Bell, Wesley [D-MO-1]
MO • D
Sponsored 4/17/2025
Kennedy (NY)
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
Castro (TX)
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
Randall
WA • D
Sponsored 6/20/2025
Trahan
MA • D
Sponsored 6/23/2025
McBath
GA • D
Sponsored 6/23/2025
Rep. Pou, Nellie [D-NJ-9]
NJ • D
Sponsored 7/2/2025
Pingree
ME • D
Sponsored 7/14/2025
Rep. Quigley, Mike [D-IL-5]
IL • D
Sponsored 7/17/2025
Mannion
NY • D
Sponsored 7/21/2025
Casten
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
Cohen
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
Soto
FL • D
Sponsored 8/8/2025
McBride
DE • D
Sponsored 8/8/2025
Cherfilus-McCormick
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
Mullin
CA • D
Sponsored 8/15/2025
Gonzalez, V.
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
Khanna
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
Elfreth
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
Wilson (FL)
FL • D
Sponsored 9/2/2025
McCollum
MN • D
Sponsored 9/2/2025
Rep. McClain Delaney, April [D-MD-6]
MD • D
Sponsored 9/2/2025
Ivey
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
Crow
CO • D
Sponsored 9/2/2025
Rep. Foushee, Valerie P. [D-NC-4]
NC • D
Sponsored 9/2/2025
Escobar
TX • D
Sponsored 9/4/2025
Thompson (MS)
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
Simon
CA • D
Sponsored 9/9/2025
Norcross
NJ • D
Sponsored 9/9/2025
Fletcher
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
Friedman
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
Clyburn
SC • D
Sponsored 9/15/2025
Rep. Meeks, Gregory W. [D-NY-5]
NY • D
Sponsored 9/15/2025
Scott (VA)
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
Sewell
AL • D
Sponsored 9/15/2025
Rep. Lieu, Ted [D-CA-36]
CA • D
Sponsored 9/15/2025
Conaway
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
Swalwell
CA • D
Sponsored 9/15/2025
Liccardo
CA • D
Sponsored 9/18/2025
Rep. Whitesides, George [D-CA-27]
CA • D
Sponsored 9/18/2025
Ocasio-Cortez
NY • D
Sponsored 9/18/2025
Rep. DeSaulnier, Mark [D-CA-10]
CA • D
Sponsored 9/18/2025
Pallone
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
Scott, David
GA • D
Sponsored 10/3/2025
Rep. Velázquez, Nydia M. [D-NY-7]
NY • D
Sponsored 10/3/2025
Himes
CT • D
Sponsored 10/8/2025
Smith (WA)
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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