United States 119th Congress Status: In Committee Bipartisan · 44 D · 1 I cosponsors

S 46 — Health Care Affordability Act of 2025

Last action — Read twice and referred to the Committee on Finance.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced January 09, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 42% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 45 sponsors

    1 primary, 44 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (44 D · 1 I) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

Health Care Affordability Act of 2025This 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.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.

Bill Text

Action History

  1. Introduced in Senate

  2. Read twice and referred to the Committee on Finance.

Sponsors

Sponsorship breakdown

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1 sponsors · 44 co-sponsors · 502 not signed on

Sponsors (1)

Co-sponsors (44)

Not signed on (502)

502 members have not signed on to this bill.

Show all 502 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

taxation healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 46 do?
Health Care Affordability Act of 2025This 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.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.
Who sponsors S 46?
S 46 is sponsored by Shaheen, Jeanne (Democratic), Baldwin, Tammy (Democratic), Schumer, Charles E. (Democratic), Wyden, Ron (Democratic), Blumenthal, Richard (Democratic), King, Angus S., Jr. (Independent), Hassan, Margaret Wood (Democratic), Welch, Peter (Democratic), Kaine, Tim (Democratic), Coons, Christopher A. (Democratic), Warren, Elizabeth (Democratic), Durbin, Richard J. (Democratic), Murray, Patty (Democratic), Warnock, Raphael G. (Democratic), Gillibrand, Kirsten E. (Democratic), Reed, Jack (Democratic), Duckworth, Tammy (Democratic), Van Hollen, Chris (Democratic), Cortez Masto, Catherine (Democratic), Schatz, Brian (Democratic), Padilla, Alex (Democratic), Smith, Tina (Democratic), Klobuchar, Amy (Democratic), Rosen, Jacky (Democratic), Kelly, Mark (Democratic), Booker, Cory A. (Democratic), Whitehouse, Sheldon (Democratic), Merkley, Jeff (Democratic), Schiff, Adam B. (Democratic), Warner, Mark R. (Democratic), Markey, Edward J. (Democratic), Luján, Ben Ray (Democratic), Hirono, Mazie K. (Democratic), Bennet, Michael F. (Democratic), Hickenlooper, John W. (Democratic), Peters, Gary C. (Democratic), Fetterman, John (Democratic), Heinrich, Martin (Democratic), Kim, Andy (Democratic), Slotkin, Elissa (Democratic), Murphy, Christopher (Democratic), Blunt Rochester, Lisa (Democratic), Gallego, Ruben (Democratic), Alsobrooks, Angela D. (Democratic), and Ossoff, Jon (Democratic).
What is the current status of S 46?
This bill is in committee in the Senate. Introduced January 09, 2025. It must pass committee before a floor vote.
Where can I track S 46?
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