People who buy health insurance through the ACA marketplace would keep getting bigger premium discounts through 2026 instead of losing them after 2025. Middle-income households that earn above four times the poverty line would also stay eligible for help. The bill changes two expiration dates in the tax code — nothing else.
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.
Bipartisan Premium Tax Credit Extension Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Ways and Means.
Latest action on H.R. 5145: Referred to the House Committee on Ways and Means.
Who this affects: This bill mainly affects people who buy their own health insurance on the ACA marketplace and use premium tax credits to lower their monthly costs. It also matters for middle-income households earning above 400% of the federal poverty line who would lose eligibility for any help if the current rules expire.
Why this matters: Millions of people could see their monthly health insurance bills jump if these enhanced credits expire on schedule. For some middle-income families, it could mean losing any financial help with premiums altogether. This bill buys one more year of lower costs while Congress debates a longer-term solution.
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.
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Officially: Bipartisan Premium Tax Credit Extension Act
People who buy health insurance through the ACA marketplace would keep getting bigger premium discounts through 2026 instead of losing them after 2025. Middle-income households that earn above four times the poverty line would also stay eligible for help. The bill changes two expiration dates in the tax code — nothing else.
Use this page to support, oppose, or ask Congress to amend HR5145. Modern Action explains Bipartisan Premium Tax Credit Extension Act in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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The debate
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Ways and Means. (9/4/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Bipartisan Premium Tax Credit Extension Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR5145, your stance, and the reasons you choose, then lets you edit and send when ready.
