Health Care Affordability Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Senate
- Passed House
- To President
- Became Law
Overview
This bill makes permanent the changes to health insurance subsidies enacted by the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022. Specifically, it eliminates the income limit that previously restricted eligibility for premium tax credits, allowing more people with household incomes up to 400% of the federal poverty level to qualify for assistance. The bill also permanently lowers the percentages used to calculate the amount of the premium tax credit, increasing the amount of financial assistance available to eligible individuals and families.
Key provisions
- Eliminates the 400% of the federal poverty level income limit for premium tax credit eligibility.
- Permanently lowers the applicable percentages used to calculate premium tax credits.
- Increases the amount of premium tax credits available to eligible individuals and families.
- Adjusts the applicable percentages using a sliding scale based on household income tiers.
- Removes certain provisions related to affordability adjustments for premium tax credits.
Who is affected
- Individuals and families purchasing health insurance through the Health Insurance Marketplace.
- Health insurance consumers.
- Low- and moderate-income individuals and families.
Notable changes
- Makes permanent the expanded eligibility for premium tax credits established by the American Rescue Plan Act and the Inflation Reduction Act.
Bill text
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Sponsors
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