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Senate bill · S. 46 (119th Congress)

Health Care Affordability Act of 2025

U.S. Senate

Latest action Jan 9, 2025

Sponsor: Jeanne Shaheen (U.S. Senator for New Hampshire, Democratic)

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From Congress.gov and official rosters. This record was last updated Jul 30, 2026. About our data

Summary

Health Care Affordability Act of 2025 This bill makes permanent temporary changes enacted by the American Rescue Plan Act of 2021 (ARPA) and the Inflation Reduction Act of 2022 (IRA) that generally expand eligibility for and increase the amount of the premium tax credit. Currently, eligible taxpayers may be able to claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To be eligible for the premium tax credit, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the ARPA and IRA eliminated the maximum income limit, which generally expands eligibility for the premium tax credit. Further, under current law, the amount of the premium tax credit is (1) generally the plan premium (conditions apply), minus (2) the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage is a specific percentage that varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the ARPA and IRA lowered the applicable percentages and eliminated the adjustment of the applicable percentages for inflation, which generally increases the amount of the premium tax credit. The bill makes permanent the elimination of the 400% maximum income limit, the lower applicable percentages, and the elimination of the inflation adjustment for the applicable percentages.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Assigned to a committee for review.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

Senate Committee on Finance · U.S. Senate

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Cosponsors

44

Cosponsors listed on Congress.gov, shown A to Z.

  • Democratic43
  • Other1

This bill has cosponsors from more than one party.

Shown in neutral colors by design; Agora is non-partisan.

Show the full list (44 names)

Related bills

Show all 6 related bills

As identified by Congress.gov.

Full history

  1. Jan 9, 2025

    Introduced

    Introduced in U.S. Senate

    U.S. Senate

  2. Jan 9, 2025

    Referred to committee

    Read twice and referred to the Committee on Finance.

  3. Jan 9, 2025

    Referred to committee

    Read twice and referred to the Committee on Finance.

  4. Jan 9, 2025

    Referred to committee

    Read twice and referred to the Committee on Finance.

Read the record