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S. 46119th CongressTaxation
Health Care Affordability Act of 2025
Sponsored by Sen. Jeanne Shaheen (D-NH) · 44 active : 43 Democrats, 1 Independent
Latest action: Read twice and referred to the Committee on Finance.
Where it standsBefore the Senate3 senators score as swing votes
Hasn’t passed either chamber
- Senate: next
- House: not yet
- President: not yet
Summary
, via Congress.govHealth 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.
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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.
Committees and subjects
Committees
- Senate Committee on Finance · SenateReferred to
Subjects
- Health care costs and insurance
- Income tax credits
- Tax administration and collection, taxpayers
How the Senate breaks down
- 3Swing 70–100
- 37Middle 30–70
- 60Entrenched 0–30
Members fall into . All 100 senators have enough data to score.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v2, directional: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.
Bars show each input from 0 to 100: ideology gap, scorecard gap, . is the seat’s partisan lean, and shows how much of the input data a score has.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
44 activeShow all 44 cosponsors
- Adam B. Schiff (D-CA)
- Alex Padilla (D-CA)
- Amy Klobuchar (D-MN)
- Andy Kim (D-NJ)
- Angus S. King Jr. (I-ME)
- Ben Ray Luján (D-NM)
- Brian Schatz (D-HI)
- Catherine Cortez Masto (D-NV)
- Charles E. Schumer (D-NY)
- Chris Van Hollen (D-MD)
- Christopher A. Coons (D-DE)
- Cory A. Booker (D-NJ)
- Edward J. Markey (D-MA)
- Elissa Slotkin (D-MI)
- Elizabeth Warren (D-MA)
- Gary C. Peters (D-MI)
- Jack Reed (D-RI)
- Jacky Rosen
How the swing score works
Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.
Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.
Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.
Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.
Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.
Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.
