HR 247119th CongressIntroduced

Health Care Affordability Act of 2025

Introduced: Nov 4, 2025

Economy & TaxesHealthcare

Standard Summary

Comprehensive overview in 1-2 paragraphs

The Health Care Affordability Act of 2025 expands eligibility for the premium tax credit by removing the 400% federal poverty level cap and adjusts sliding-scale premium contribution percentages to increase affordability for middle and higher income individuals purchasing qualified health plans through marketplaces.

Key Points

1Removes the 400% federal poverty level cap for premium tax credit eligibility, extending subsidies to all income levels beyond previous thresholds.
2Adjusts the sliding-scale premium contribution percentages with new tiers up to 400% poverty level, reducing required income percentages for premiums at each bracket.
3Eliminates specific affordability tests and clauses that previously restricted eligibility for the tax credit under current law.

Impact Areas

Middle and higher income individuals purchasing marketplace insuranceFederal budget due to expanded tax credit expendituresHealth insurance enrollment rates across income brackets

Generated by legislative-analyst-2025 on Nov 5, 2025