A Democratic bill with 44 Democratic cosponsors · See all 46 cosponsors
Last activity — Read twice and referred to the Committee on Finance. (text: CR S4908)
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
This bill is titled the "Protecting Health Care and Lowering Costs Act." Its primary purpose is to repeal the changes previously made by the health subtitle of the One Big Beautiful Bill Act. Additionally, the bill seeks to provide a permanent extension of the enhanced tax credit. This extension involves amending specific sections of the Internal Revenue Code of 1986 regarding applicable percentages for various income tiers. These changes are intended to apply to taxable years beginning after December 31, 2025.
Yes· 3 of 7
- Scored +7
Would households on low incomes be better off under this?
The expanded sliding scale of tax credits specifically benefits households at various levels of the poverty line.
- Scored +6
Does this strengthen the Affordable Care Act?
The bill extends enhanced premium tax credits that strengthen the affordability of coverage under the Affordable Care Act.
- Scored +5
Would middle-income households be better off under this?
The extension of tax credits provides significant premium relief for middle-income earners.
The opposite
- Scored -3
Does this reduce what the federal government spends?
The extension of enhanced tax credits increases federal outlays to subsidize health insurance premiums.
Who it would affect, and how
Potential Positive Impacts for People
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Repeal of Previous Changes: By repealing Subtitle B of title VII of the Act titled "An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14" (Public Law 119-21), the bill restores laws or regulations to how they were applied before those changes were enacted (Section 2).
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Enhanced Tax Credit Extension: The bill amends the Internal Revenue Code of 1986 to establish a sliding scale for applicable percentages based on household income as a percent of the poverty line (Section 3(a) and 3(b)(1)). This creates specific premium percentage tiers for households ranging from those up to 150 percent of the poverty line to those at 400 percent and higher (Section 3(b)(1)).
Potential Negative Impacts for People
- No negative impacts or burdens are explicitly stated 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 households on low incomes be better off under this? — The expanded sliding scale of tax credits specifically benefits households at various levels of the poverty line. Would middle-income households be better off under this? — The extension of tax credits provides significant premium relief for middle-income earners. Would people over 65 be better off under this? — The bill provides more stable healthcare affordability through tax credit extensions. Would women be better off under this? — Increased healthcare affordability generally benefits women's access to care.
- Healthcare
- Does this strengthen the Affordable Care Act? — The bill extends enhanced premium tax credits that strengthen the affordability of coverage under the Affordable Care Act. Does this lower what people pay for private health insurance? — By increasing the applicable percentage of tax credits, the bill lowers the net cost of private insurance premiums for many households.
- Economy And Finance
- Does this reduce what the federal government spends? — The extension of enhanced tax credits increases federal outlays to subsidize health insurance premiums.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — Increasing health care affordability helps reduce the financial burden on low-income households.
- 7/30/2025
- Read twice and referred to the Committee on Finance. (text: CR S4908)
- 46 Cosponsors added.
- Introduced in Senate
5 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Angela AlsobrooksDemocrat · Maryland
Tammy BaldwinDemocrat · Wisconsin
Michael BennetDemocrat · Colorado
Richard BlumenthalDemocrat · Connecticut
Cory BookerDemocrat · New Jersey
Lisa Blunt RochesterDemocrat · Delaware
Maria CantwellDemocrat · Washington
Christopher CoonsDemocrat · Delaware
Catherine Cortez MastoDemocrat · Nevada
Richard DurbinDemocrat · Illinois
Tammy DuckworthDemocrat · Illinois
John FettermanDemocrat · Pennsylvania
Kirsten GillibrandDemocrat · New York
Ruben GallegoDemocrat · Arizona
John HickenlooperDemocrat · Colorado
Mazie HironoDemocrat · Hawaii
Martin HeinrichDemocrat · New Mexico
Maggie HassanDemocrat · New Hampshire
Amy KlobucharDemocrat · Minnesota
Mark KellyDemocrat · Arizona
Angus KingIndependent · Maine
Timothy KaineDemocrat · Virginia
Andy KimDemocrat · New Jersey
Ben LujánDemocrat · New Mexico
Edward MarkeyDemocrat · Massachusetts
Patty MurrayDemocrat · Washington
Christopher MurphyDemocrat · Connecticut
Jeff MerkleyDemocrat · Oregon
Jon OssoffDemocrat · Georgia
Alex PadillaDemocrat · California
Gary PetersDemocrat · Michigan
John ReedDemocrat · Rhode Island
Jacky RosenDemocrat · Nevada
Bernie SandersIndependent · Vermont
Adam SchiffDemocrat · California
Jeanne ShaheenDemocrat · New Hampshire
Brian SchatzDemocrat · Hawaii
Tina SmithDemocrat · Minnesota
Elissa SlotkinDemocrat · Michigan
Chris Van HollenDemocrat · Maryland
Ron WydenDemocrat · Oregon
Raphael WarnockDemocrat · Georgia
Peter WelchDemocrat · Vermont
Sheldon WhitehouseDemocrat · Rhode Island
Mark WarnerDemocrat · Virginia
Elizabeth WarrenDemocrat · Massachusetts