Health Care Affordability Act of 2025

This bill would make permanent some temporary changes to a tax credit that helps people pay for health insurance bought through the government's health insurance marketplace. Right now, through 2025, there is no upper income limit for who can get this tax credit, but after 2025, people earning more than four times the federal poverty level would normally lose eligibility — this bill removes that income cap permanently. The bill also permanently keeps in place lower cost-sharing percentages that were temporarily set for 2021–2025, which generally means people would pay less out of pocket for their insurance premiums. These changes were originally created by two earlier laws, the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022, and were set to expire after 2025.

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