More people could get help paying for health insurance bought through ACA marketplaces. The bill removes the current income cutoff and caps expected premium costs at 8.5% of income for higher-income households. The change would start after 2025.
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 Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Finance.
Latest action on S. 46: Read twice and referred to the Committee on Finance.
Who this affects: This bill mainly affects people who buy their own health insurance through ACA marketplaces. It matters most for households that earn above the current cutoff but still face high premiums. It also affects lower-income marketplace buyers because it keeps their expected premium payment at 0% up to 150% of the poverty line. The federal government would also be affected because it pays for premium tax credits.
Why this matters: Many people who buy their own insurance can face high monthly premiums, even if they earn too much for help today. This bill would remove that hard cutoff and tie help more closely to how much coverage costs compared with income. It could make marketplace plans cheaper for some middle- and upper-middle-income households. It could also increase federal spending, and the size of that increase is not stated in the bill.
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: Health Care Affordability Act of 2025
More people could get help paying for health insurance bought through ACA marketplaces. The bill removes the current income cutoff and caps expected premium costs at 8.5% of income for higher-income households. The change would start after 2025.
Use this page to support, oppose, or ask Congress to amend S46. Modern Action explains Health Care Affordability Act of 2025 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 Finance
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.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
The debate
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Finance. (1/9/2025)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House 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 senators 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 Health Care Affordability Act of 2025, 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 S46, your stance, and the reasons you choose, then lets you edit and send when ready.
