Sen. Shaheen Introduces the Health Care Affordability Act to Lower Insurance Premiums
The Health Care Affordability Act of 2025 is currently in the early stages of the legislative process. It was recently introduced in the Senate and sent to the Committee on Finance for review. No further actions are scheduled at this time, but the bill is considered active.
Companion bill: Rep. Underwood Introduces Health Care Affordability Act to Lower Insurance Premiums →No action since January 2025
This bill has support from many Democrats but lacks Republican cosponsors, making it difficult to pass in a divided or Republican-controlled Congress.
This bill’s path across every version that has carried it.
Scores run from -100 (strongly harmful) to +100 (strongly beneficial) for each group, combining impact, certainty, scope, and duration ratings of 1-5. How impact scoring works
Small business owners who buy their own insurance through the ACA marketplace would benefit from expanded and permanent premium tax credits. Many self-employed people and small business owners earn too much for current subsidies but still face high premiums, so removing the income cap could significantly reduce their health insurance costs.
“400 percent and higher........................ 8.5 8.5.”
Read twice and referred to the Committee on Finance.
Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.
Introduced in Senate
The bill was officially filed and given a number. It now enters the legislative queue.
The 940-page 'One Big Beautiful Bill Act' cuts spending on Medicaid and food stamps to help cover the cost of extending tax cuts. The legislation notably omits the Democratic proposal to make enhanced ACA premium tax credits permanent, setting up a 'subsidy cliff' at the end of 2025.
Rep. Lauren Underwood and Sen. Jeanne Shaheen introduced the Health Care Affordability Act of 2025 (H.R. 247/S. 46). The bill would permanently remove the 400% poverty level income cap for premium tax credits and limit health insurance costs to 8.5% of household income.
No votes recorded for this bill yet.
Document Type
Congressional Bill
Official Title
Health Care Affordability Act of 2025
Analysis generated by AI. Always verify with official sources.