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HR 6016

Keep Healthcare Affordable Act

119th Congress Introduced by Wesley Bell and 3 co-sponsors

The Keep Healthcare Affordable Act extends premium tax credits to 2029 and raises income eligibility to 1000% of poverty, making health insurance more accessible.

Introduced in House
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Bill Summary · HR 6016

Summary of HR 6016 - Keep Healthcare Affordable Act

Bill Number: HR 6016
Introduced: November 10, 2025
Status: Introduced in House
Committee: Referred to the House Committee on Ways and Means

Purpose and Intent

The Keep Healthcare Affordable Act aims to amend the Internal Revenue Code of 1986 to extend and modify the enhanced premium tax credit. The primary goal of this legislation is to make healthcare more affordable for individuals and families by providing increased financial assistance through tax credits for health insurance premiums.

Key Provisions

1. Extension of Enhanced Premium Tax Credit

  • The bill proposes to extend the enhanced premium tax credit provisions through December 31, 2029. This extension allows for continued support for individuals purchasing health insurance through the Affordable Care Act (ACA) marketplaces.

2. Modification of Income Thresholds

  • The legislation modifies the eligibility criteria for the premium tax credit:
    • It raises the income threshold for taxpayers to qualify for the credit from 400% of the federal poverty level to 1000% for taxable years beginning after December 31, 2025, and before January 1, 2030. This change aims to broaden access to premium assistance for higher-income individuals and families.

3. Effective Date

  • The amendments made by this bill will take effect for taxable years starting after December 31, 2025.

Impact

Who Would Be Affected?

  • Individuals and Families: The bill is expected to benefit a wider range of taxpayers, particularly those with household incomes above the previous threshold of 400% of the federal poverty level, allowing them to receive premium tax credits.
  • Healthcare Providers and Insurers: By making health insurance more affordable, the bill could lead to increased enrollment in health plans, impacting healthcare providers and insurers operating in the ACA marketplaces.

Financial Implications

  • The extension and modification of the premium tax credit are designed to alleviate the financial burden of health insurance premiums, potentially leading to improved access to healthcare services for many Americans.

Conclusion

The Keep Healthcare Affordable Act seeks to enhance the affordability of healthcare by extending and modifying the premium tax credit provisions. By broadening eligibility and extending the timeline for assistance, the bill aims to support more individuals and families in accessing necessary health coverage. The proposed changes are set to take effect in 2026, pending further legislative action.

Compiled from official sources — confirm details with the bill’s official record.

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