A Democratic bill with 3 Democratic cosponsors · See all 3 cosponsors
Last activity — Referred to the House Committee on Ways and Means.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The "Keep Healthcare Affordable Act" is a bill that proposes changes to the Internal Revenue Code of 1986. It extends and modifies the enhanced premium tax credit. Specifically, it extends certain premium assistance rules and eligibility for taxpayers with higher incomes through 2029. These changes would take effect for taxable years starting after December 31, 2025.
Yes· 3 of 29
- Scored +9
Would high-income households be better off under this?
Significantly expands eligibility to households earning up to 1000% of the poverty level.
- Scored +8
Would households on low incomes be better off under this?
Extends essential subsidies that make health insurance affordable for low-income individuals.
- Scored +8
Would middle-income households be better off under this?
Extends and expands access to credits, specifically for those above the previous 400% income limit.
The opposite
- Scored -3
Does this reduce what the federal government owes?
Extending tax credits typically increases government expenditure and reduces tax revenue.
- Scored -3
Does this reduce what the federal government spends?
Extending and expanding tax credits represents a continued fiscal cost to the government.
- Scored -2
Does this make the government pay for what it commits to?
Expands tax expenditures without providing an immediate funding source.
Who it would affect, and how
Potential Positive Impacts for People
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Extended Premium Assistance: Section 2(a) extends rules to increase premium assistance amounts through 2029, which helps keep healthcare affordable for a longer period.
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Increased Income Eligibility: Section 2(b) increases the income limit for the credit from 400 percent to 1000 percent for taxable years between December 31, 2025, and January 1, 2030, allowing more high-income taxpayers to access the credit.
Potential Negative Impacts for People
- No negative impacts for people are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would high-income households be better off under this? — Significantly expands eligibility to households earning up to 1000% of the poverty level. Would households on low incomes be better off under this? — Extends essential subsidies that make health insurance affordable for low-income individuals. Would middle-income households be better off under this? — Extends and expands access to credits, specifically for those above the previous 400% income limit. Would people in middle age be better off under this? — Provides significant cost relief for those in the prime working-age bracket. Would people in their twenties and thirties be better off under this? — Young adults entering the marketplace often rely heavily on premium tax credits. Would Black Americans be better off under this? — Provides financial relief for health insurance in communities with historically lower access. Would farmers be better off under this? — Many farmers are self-employed and rely on marketplace plans. Would people with substantial wealth be better off under this? — Individuals within the new 1000% threshold can now access credits previously unavailable to them. Would Hispanic Americans be better off under this? — Provides financial relief for health insurance in communities with historically lower access. Would Native Americans be better off under this? — Provides financial relief for health insurance in underserved communities. Would people with disabilities be better off under this? — Reduces the financial burden of insurance for those who may have higher healthcare needs. Would students be better off under this? — Students transitioning off parental plans may benefit from lower premium costs. Would Asian Americans be better off under this? — Broadly improves affordability of marketplace insurance. Would business owners be better off under this? — Self-employed business owners who purchase individual plans benefit from these credits. Would children be better off under this? — Families with children may benefit from lower overall household healthcare costs. Would LGBTQ people be better off under this? — Increases affordability of insurance for a population that often relies on the individual marketplace. Would men be better off under this? — Increases affordability of insurance. Would people in rural areas be better off under this? — Broadly improves affordability of insurance. Would people in cities be better off under this? — Broadly improves affordability of insurance. Would white Americans be better off under this? — Broadly improves affordability of marketplace insurance. Would women be better off under this? — Increases affordability of insurance, which is critical for maternal and preventative health. Would union members be better off under this? — Less impact as union workers typically have employer-sponsored insurance.
- Healthcare
- Does this make health care easier to get in general? — Makes healthcare more affordable and accessible by extending and expanding premium subsidies. Does this strengthen the Affordable Care Act? — Directly extends and expands the premium tax credits associated with the ACA marketplaces. Does this lower what people pay for private health insurance? — Reduces the net cost of premiums for consumers through expanded tax credits. Does this make mental health care easier to get? — Lowering insurance costs may indirectly increase access to various healthcare services, including mental health.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — Reducing healthcare costs provides financial relief to low and middle-income families.
- Economy And Finance
- Does this cut taxes for middle-income families? — Extends premium tax credits that reduce the effective cost of healthcare for middle-class households. Is this likely to grow the economy? — Increases disposable income for households by lowering healthcare costs. Does this reduce what the federal government spends? — Extending and expanding tax credits represents a continued fiscal cost to the government. Does this reduce what the federal government owes? — Extending tax credits typically increases government expenditure and reduces tax revenue. Does this make the government pay for what it commits to? — Expands tax expenditures without providing an immediate funding source.
- 11/17/2025
- 3 Cosponsors added.
- 11/10/2025
- Referred to the House Committee on Ways and Means.
- Introduced in House
Wesley BellDemocrat · Missouri
Kristen McDonald RivetDemocrat · Michigan
Jimmy PanettaDemocrat · California