Protecting Health Care and Lowering Costs Act
Sponsored By: Senator Charles Schumer
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
Charles Schumer
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
Peter Welch
VT • D
Sponsored 7/30/2025
Sen. Duckworth, Tammy [D-IL]
IL • D
Sponsored 7/30/2025
John Hickenlooper
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
Gary Peters
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
Raphael Warnock
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
Elissa Slotkin
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
Amy Klobuchar
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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