S. 46 · 119th Congress

Health Care Affordability Act of 2025

Introduced on Jan 9, 2025 by Jeanne Shaheen (D-NH). 44 cosponsors, all from the sponsor's party. Latest action (Jan 9, 2025): Read twice and referred to the Committee on Finance.

Stage
Introduced
Introduced
Jan 9, 2025
Cosponsors
44
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

A bill 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 Senate, 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.

Jeanne ShaheenD-NHSponsor

Democrats · 43

Independents · 1

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 Senate
  2. Jan 9, 2025 · SenateRead twice and referred to the Committee on Finance.

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. Sixteen Thirty Fund7 reports
    $40K reported (all issues)
  2. AMERICA'S HEALTH INSURANCE PLANS, INC. (AHIP)6 reports
    $25.6M reported (all issues)
  3. ARTHRITIS FOUNDATION6 reports
    $450K reported (all issues)
  4. American Cancer Society Cancer Action Network, Inc.6 reports
    $12.7M reported (all issues)
  5. American Heart Association6 reports
    $2.3M reported (all issues)Federal contractor: AMERICAN HEART ASSOCIATION, INC.$333.7K in contracts, FY2026AI match · 100%
  6. CAMBIA HEALTH SOLUTIONS INC.6 reports
    $3.9M reported (all issues)
  7. CENTER ON BUDGET AND POLICY PRIORITIES6 reports
    $900K reported (all issues)
  8. HIGHMARK INC.6 reports
    $1.3M reported (all issues)
  9. National Alliance on Mental Illness6 reports
    $80K reported (all issues)
  10. National Association of Pediatric Nurse Practitioners6 reports
    $144K reported (all issues)
  11. National League for Nursing6 reports
    $171K reported (all issues)
  12. AMERICA'S HEALTH INSURANCE PLANS, INC.5 reports
    $450K reported (all issues)
  13. Ascension Health Alliance5 reports
    $380K reported (all issues)
  14. FEDERATION OF AMERICAN HOSPITALS5 reports
    $4M reported (all issues)
  15. HCA HEALTHCARE, INC.5 reports
    $5.1M reported (all issues)
  16. AMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES4 reports
    $2.9M reported (all issues)
  17. BCBSM, Inc.4 reports
    $118K reported (all issues)
  18. BLUE CROSS AND BLUE SHIELD OF KANSAS, INC.4 reports
    $40K reported (all issues)
  19. BLUE CROSS BLUE SHIELD OF MICHIGAN4 reports
    $1.1M reported (all issues)
  20. BLUECROSS BLUESHIELD OF TENNESSEE4 reports
    $1.1M reported (all issues)
  21. Blood Cancer United (FKA The Leukemia & Lymphoma Society)4 reports
    $1.5M reported (all issues)
  22. Blue Cross and Blue Shield Association4 reports
    $5M reported (all issues)
  23. Blue Cross and Blue Shield of Florida, Inc.4 reports
    $500K reported (all issues)
  24. Cystic Fibrosis Foundation4 reports
    $760K reported (all issues)
  25. KAISER FOUNDATION HEALTH PLAN INC.4 reports
    $4.6M reported (all issues)Federal contractor: KAISER FOUNDATION HEALTH PLAN OF WASHINGTONAI match · 97%
  26. USAGAINSTALZHEIMERS ACTION4 reports
    $410K reported (all issues)
  27. ASCENSION HEALTH ALLIANCE D/B/A ASCENSION3 reports
    $1.8M reported (all issues)
  28. Families USA Foundation, Inc.3 reports
    $31K 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. Service Employees International Union CTW-CLC3 reports
    $805K 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. American Federation of Teachers2 reports
    $870K reported (all issues)
  35. California Medical Association Inc.2 reports
    $161.9K reported (all issues)
  36. HORIZON BLUE CROSS BLUE SHIELD OF NEW JERSEY2 reports
    $80K reported (all issues)
  37. Healthcare Leadership Council2 reports
    $380K reported (all issues)
  38. The Leukemia & Lymphoma Society2 reports
    $1.2M reported (all issues)
  39. Cambia Health Solutions (formerly known as The Regence Group)1 report
    $80K reported (all issues)
  40. National Association of Benefits and Insurance Professionals (fka NAHU)1 report
    $60K 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.