H.R. 247 · 119th Congress

Health Care Affordability Act of 2025

Introduced on Jan 9, 2025 by Lauren Underwood (D-IL-14). 165 cosponsors, all from the sponsor's party. Latest action (Jan 9, 2025): Referred to the House Committee on Ways and Means.

Stage
Introduced
Introduced
Jan 9, 2025
Cosponsors
165
0 from the other party
Policy area
Taxation
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Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan.

Subjects

  • Health care costs and insurance
  • Income tax credits
  • Tax administration and collection, taxpayers

Summary

By the Congressional Research Service (Introduced in House, Jan 9, 2025). Public domain.

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Lauren UnderwoodD-IL-14Sponsor

Democrats · 165

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Jan 9, 2025Introduced in House
  2. Jan 9, 2025Introduced in House
  3. Jan 9, 2025 · HouseReferred to the House Committee on Ways and Means.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. AMERICA'S HEALTH INSURANCE PLANS, INC.6 reports
    $540K reported (all issues)
  2. AMERICA'S HEALTH INSURANCE PLANS, INC. (AHIP)6 reports
    $25.6M reported (all issues)
  3. American Cancer Society Cancer Action Network, Inc.6 reports
    $12.7M reported (all issues)
  4. American Heart Association6 reports
    $2.3M reported (all issues)Federal contractor: AMERICAN HEART ASSOCIATION, INC.$333.7K in contracts, FY2026AI match · 100%
  5. Ascension Health Alliance6 reports
    $460K reported (all issues)
  6. CENTER ON BUDGET AND POLICY PRIORITIES6 reports
    $900K reported (all issues)
  7. HIGHMARK INC.6 reports
    $1.3M reported (all issues)
  8. National Alliance on Mental Illness6 reports
    $80K reported (all issues)
  9. National Association of Pediatric Nurse Practitioners6 reports
    $144K reported (all issues)
  10. National League for Nursing6 reports
    $171K reported (all issues)
  11. CAMBIA HEALTH SOLUTIONS INC.5 reports
    $3.3M reported (all issues)
  12. FEDERATION OF AMERICAN HOSPITALS5 reports
    $4M reported (all issues)
  13. AMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES4 reports
    $2.9M reported (all issues)
  14. BCBSM, Inc.4 reports
    $118K reported (all issues)
  15. BLUE CROSS AND BLUE SHIELD OF KANSAS, INC.4 reports
    $40K reported (all issues)
  16. BLUE CROSS BLUE SHIELD OF MICHIGAN4 reports
    $1.1M reported (all issues)
  17. BLUECROSS BLUESHIELD OF TENNESSEE4 reports
    $1.1M reported (all issues)
  18. Blood Cancer United (FKA The Leukemia & Lymphoma Society)4 reports
    $1.5M reported (all issues)
  19. Blue Cross and Blue Shield Association4 reports
    $5M reported (all issues)
  20. Blue Cross and Blue Shield of Florida, Inc.4 reports
    $500K reported (all issues)
  21. Cystic Fibrosis Foundation4 reports
    $760K reported (all issues)
  22. KAISER FOUNDATION HEALTH PLAN INC.4 reports
    $4.6M reported (all issues)Federal contractor: KAISER FOUNDATION HEALTH PLAN OF WASHINGTONAI match · 97%
  23. The Cigna Group and subsidiaries (Formerly Cigna Corporation4 reports
    $8.4M reported (all issues)
  24. USAGAINSTALZHEIMERS ACTION4 reports
    $410K reported (all issues)
  25. ASCENSION HEALTH ALLIANCE D/B/A ASCENSION3 reports
    $1.8M reported (all issues)
  26. American Medical Association3 reports
    $18.1M reported (all issues)Federal contractor: AMERICAN MEDICAL ASSOCIATION$371K in contracts, FY2026AI match · 99%
  27. Families USA Foundation, Inc.3 reports
    $31K reported (all issues)
  28. HORIZON BLUE CROSS BLUE SHIELD OF NEW JERSEY3 reports
    $120K reported (all issues)
  29. Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC)3 reports
    $3.6M reported (all issues)Federal contractor: HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY$16M in contracts, FY2026AI match · 100%
  30. National Bleeding Disorder Foundation (fka National Hemophilia Foundation)3 reports
    $150K reported (all issues)
  31. National Health Council3 reports
    $59.7K reported (all issues)
  32. Sickle Cell Disease Association of America3 reports
    $60K reported (all issues)
  33. The Hemophilia Alliance3 reports
    $110K reported (all issues)
  34. AmeriHealth Caritas Services, LLC2 reports
    $1.1M reported (all issues)
  35. American Federation of Teachers2 reports
    $870K reported (all issues)
  36. California Medical Association Inc.2 reports
    $161.9K reported (all issues)
  37. Healthcare Leadership Council2 reports
    $380K reported (all issues)
  38. Service Employees International Union CTW-CLC2 reports
    $505K reported (all issues)
  39. The Leukemia & Lymphoma Society2 reports
    $1.2M reported (all issues)
  40. CARESOURCE MISSION1 report
    $210K reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 9, 2026 · loaded Oct 9, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 9, 2026 · loaded Oct 9, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.