Contact Congress about S. 46: 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.

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.

Key provisions in S. 46

• Households could get ACA premium tax credits even if their income is above 400% of the federal poverty line.
• The bill creates a new income table for expected premium payments. The payment rises gradually inside each income range.
• Households up to 150% of the federal poverty line would still be expected to pay 0% of income for benchmark coverage.
• Households at or above 400% of the federal poverty line would not be expected to pay more than 8.5% of income for benchmark coverage.
• The bill removes related limits in the premium tax credit part of the tax code. Those old rules limited or added conditions to eligibility.

How Modern Action helps you take action on S. 46

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 S. 46

What is S. 46?

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.

How do I support or oppose S. 46?

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 S. 46?

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

Can Modern Action explain S. 46 before I act?

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