Contact Congress about H.R. 247: Health Care Affordability Act of 2025

People who buy their own health insurance could qualify for help at higher income levels. The bill removes the current income cutoff and limits what households are expected to pay for a benchmark marketplace plan.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Health Care Affordability Act of 2025 is a House bill in committee. The latest recorded action: Referred to the House Committee on Ways and Means.

Latest action on H.R. 247: Referred to the House Committee on Ways and Means.

Who this affects: This bill mainly affects people who buy their own health insurance through Affordable Care Act marketplaces. It could matter most for households just above the current income cutoff, especially in places where health plans cost a lot. Lower-income marketplace users could also be affected because the bill sets the exact share of income they are expected to pay. Taxpayers, tax preparers, and marketplace administrators would need to use the new rules after 2025.

Why this matters: Health insurance can still cost too much for people who earn just over today’s limit for help. This bill would remove that sharp cutoff and base help on how much the benchmark plan costs compared with income. That could lower costs for some people who buy their own coverage. It could also raise federal spending, but the bill does not say how much. The final effect would depend on how many people use the expanded credit and how premiums change.

Key provisions in H.R. 247

• People could qualify for the premium tax credit even if their income is above 400% of the federal poverty level. The bill removes that upper income limit from the federal tax-code rule for this credit.
• The bill changes the table that decides how much income a household must put toward the benchmark marketplace plan before tax credits help.
• Households up to 150% of the federal poverty line would be expected to pay 0% of income for the benchmark plan.
• The expected payment would rise step by step from 0% to 8.5% for households between 150% and 400% of the poverty line.
• Households at or above 400% of the poverty line would not have to pay more than 8.5% of income for the benchmark plan before the credit applies.

How Modern Action helps you take action on H.R. 247

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 247

What is H.R. 247?

People who buy their own health insurance could qualify for help at higher income levels. The bill removes the current income cutoff and limits what households are expected to pay for a benchmark marketplace plan.

How do I support or oppose H.R. 247?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 247?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 247 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.