Health Care Affordability Act of 2025
Sponsored By: Senator Shaheen, Jeanne [D-NH]
Introduced
Summary
Permanently expands and increases premium tax credits for people who buy marketplace health insurance by making the ARPA and IRA changes permanent and removing the 400% income cap. The bill would apply to taxable years beginning after December 31, 2025.
Show full summary
- Families and lower-income households — Would increase premium tax credit amounts and reduce monthly premiums by keeping the ARPA and IRA lower contribution rates.
- Higher-income taxpayers — Would allow people with incomes above 400% of the federal poverty level to qualify for the premium tax credit.
- All marketplace shoppers — Replaces the current formula with a sliding scale across six income tiers so household premium shares rise smoothly and top out at 8.5%.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More health premium tax help
This bill would change the refundable premium tax credit for Marketplace health plans. It would replace the current percentage rule with a six-tier table that sets the share of income you must pay toward premiums. The tiers are: up to 150% of poverty 0%; 150%–200% rising 0%→2%; 200%–250% rising 2%→4%; 250%–300% rising 4%→6%; 300%–400% rising 6%→8.5%; and 400%+ fixed at 8.5%. The bill would also remove the current 400%‑of‑poverty eligibility cap so people above 400% could qualify for the refundable credit. These changes would apply to tax years beginning after December 31, 2025.
Sponsors & CoSponsors
Sponsor
Shaheen, Jeanne [D-NH]
NH • D
Cosponsors
Sen. Baldwin, Tammy [D-WI]
WI • D
Sponsored 1/9/2025
Charles Schumer
NY • D
Sponsored 1/9/2025
Sen. Wyden, Ron [D-OR]
OR • D
Sponsored 1/9/2025
Sen. Blumenthal, Richard [D-CT]
CT • D
Sponsored 1/9/2025
Sen. King, Angus S., Jr. [I-ME]
ME • I
Sponsored 1/9/2025
Sen. Hassan, Margaret Wood [D-NH]
NH • D
Sponsored 1/9/2025
Peter Welch
VT • D
Sponsored 1/9/2025
Sen. Kaine, Tim [D-VA]
VA • D
Sponsored 1/9/2025
Sen. Coons, Christopher A. [D-DE]
DE • D
Sponsored 1/9/2025
Sen. Warren, Elizabeth [D-MA]
MA • D
Sponsored 1/9/2025
Sen. Durbin, Richard J. [D-IL]
IL • D
Sponsored 1/9/2025
Sen. Murray, Patty [D-WA]
WA • D
Sponsored 1/9/2025
Raphael Warnock
GA • D
Sponsored 1/9/2025
Sen. Gillibrand, Kirsten E. [D-NY]
NY • D
Sponsored 1/9/2025
Sen. Reed, Jack [D-RI]
RI • D
Sponsored 1/9/2025
Sen. Duckworth, Tammy [D-IL]
IL • D
Sponsored 1/9/2025
Sen. Van Hollen, Chris [D-MD]
MD • D
Sponsored 1/9/2025
Sen. Cortez Masto, Catherine [D-NV]
NV • D
Sponsored 1/9/2025
Sen. Schatz, Brian [D-HI]
HI • D
Sponsored 1/9/2025
Sen. Padilla, Alex [D-CA]
CA • D
Sponsored 1/9/2025
Sen. Smith, Tina [D-MN]
MN • D
Sponsored 1/9/2025
Amy Klobuchar
MN • D
Sponsored 1/9/2025
Sen. Rosen, Jacky [D-NV]
NV • D
Sponsored 1/9/2025
Sen. Kelly, Mark [D-AZ]
AZ • D
Sponsored 1/9/2025
Sen. Booker, Cory A. [D-NJ]
NJ • D
Sponsored 1/9/2025
Sen. Whitehouse, Sheldon [D-RI]
RI • D
Sponsored 1/9/2025
Sen. Merkley, Jeff [D-OR]
OR • D
Sponsored 1/9/2025
Sen. Schiff, Adam B. [D-CA]
CA • D
Sponsored 1/9/2025
Sen. Warner, Mark R. [D-VA]
VA • D
Sponsored 1/9/2025
Sen. Markey, Edward J. [D-MA]
MA • D
Sponsored 1/9/2025
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 1/9/2025
Sen. Hirono, Mazie K. [D-HI]
HI • D
Sponsored 1/9/2025
Sen. Bennet, Michael F. [D-CO]
CO • D
Sponsored 1/9/2025
John Hickenlooper
CO • D
Sponsored 1/9/2025
Gary Peters
MI • D
Sponsored 1/9/2025
Sen. Fetterman, John [D-PA]
PA • D
Sponsored 1/9/2025
Sen. Heinrich, Martin [D-NM]
NM • D
Sponsored 1/9/2025
Sen. Kim, Andy [D-NJ]
NJ • D
Sponsored 1/9/2025
Elissa Slotkin
MI • D
Sponsored 1/9/2025
Sen. Murphy, Christopher [D-CT]
CT • D
Sponsored 1/13/2025
Sen. Blunt Rochester, Lisa [D-DE]
DE • D
Sponsored 1/23/2025
Sen. Gallego, Ruben [D-AZ]
AZ • D
Sponsored 4/9/2025
Sen. Alsobrooks, Angela D. [D-MD]
MD • D
Sponsored 4/28/2025
Sen. Ossoff, Jon [D-GA]
GA • D
Sponsored 7/21/2025
Roll Call Votes
No roll call votes available for this bill.
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