Health Care Affordability Act of 2025
Rep. Underwood Introduces Health Care Affordability Act to Lower Insurance Premiums
Stalled
No legislative action in over 90 days.
↔Companion bill: Sen. Shaheen Introduces the Health Care Affordability Act to Lower Insurance PremiumsThe Health Care Affordability Act of 2025 is currently in the early stages of the legislative process. It was recently sent to the House Committee on Ways and Means for review. The bill is actively moving forward, but no further meetings or votes have been scheduled yet.
Part of: story →Companion bill: Sen. Shaheen Introduces the Health Care Affordability Act to Lower Insurance Premiums →Legislative Progress
While this is a major priority for Democrats, it faces strong opposition from Republicans who generally oppose expanding government health care spending.
Key Points
Impact Analysis
Personal Impact
Life & Work
Self-employed people and small business owners who buy their own insurance through the marketplace would benefit from expanded and permanent premium subsidies. Many small business owners earn too much to qualify under current rules but still struggle with high insurance costs. Capping premiums at 8.5% of income would provide meaningful relief, especially for those just above the current 400% income cutoff.
“400 percent and higher........................ 8.5 8.5.”
Programs
Disabilities
Milestones
Referred to the House Committee on Ways and Means.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
Votes
No votes have been recorded for this legislation yet.
Related News
6 articles
Senate Isn't Working Toward Compromise on Expiring Obamacare Subsidies
Senators rejected both a Democrat-led bill to extend tax credits for three years and a Republican proposal for health savings accounts. The failure to pass the Health Care Affordability Act or a compromise leaves millions facing skyrocketing premiums in 2026 as enhanced subsidies expire.
Pennsylvania congressman prepares bill to extend ACA subsidies as major price hikes loom
Lawmakers are sprinting to avoid premium increases as enhanced subsidies expire. While Democrats push for a clean extension via the Health Care Affordability Act, GOP Rep. Brian Fitzpatrick is proposing a compromise with a 700% poverty level income cap to bolster help for lower earners.
ACA Marketplace Premium Payments Would More than Double on Average Next Year if Enhanced Premium Tax Credits Expire
Analysis shows that expiration of enhanced premium tax credits would increase average annual premiums by 114%, from $888 to $1,904. The Health Care Affordability Act of 2025 was introduced to prevent this by removing the 400% poverty level 'subsidy cliff' and capping premiums at 8.5% of income.
Source Information
Document Type
Congressional Bill
Official Title
Health Care Affordability Act of 2025
Data Sources
Sponsor
Cosponsors
(165)Analysis generated by AI. Always verify with official sources.