Health insurance help extended through 2028 for moderate-income people

What it does

This bill keeps two tax credits working through 2028. The credits help people pay for health insurance. They were going to stop at the end of 2025. This bill gives them three more years. The bill also makes the credits bigger.

Who it affects

People earning up to 400% of the poverty line get help. For a family of four in 2025, that is about $106,000 a year. Millions of moderate-income Americans will pay less for health insurance.

One thing to notice

The bill does not say what happens after 2028. People could face much higher costs starting in 2029.

From the analysis of the bill text, linked under Primary records below.

Where it stands

• Mar 4, 2025 — Introduced · Congress.gov: “Introduced in House”
• Mar 4, 2025 — Referred to House Committee on Appropriations and House Committee on Oversight and Government Reform · Congress.gov: “Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management”
• Jan 8, 2026 — Passed the House · Congress.gov: “On passage Passed by the Yeas and Nays: 230 - 196 (Roll no. 11).”

Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.

Money around this bill

9 groups reported lobbying about this bill. They filed 11 reports from Dec 2025 to Jun 2026.

Those reports show $7,405,904 in lobbying spending. Each report lists about 34 bills. So that money was not all for this bill.

More groups named this bill than 89% of bills with any report.

Jim McGovern, who sponsored the bill, received $238,000 from PACs for the 2026 election.

• American Cancer Society Cancer Action Network Inc — $3,620,000 in 2 reports
• Friends Committee on National Legislation — $2,000,000 in 2 reports
• AFL-CIO — $760,000 in 1 report
• American Heart Association — $400,000 in 1 report
• Service Employees International Union Ctw-clc — $255,000 in 1 report

Lobbying is legal. These reports show who lobbied about this bill, not what changed.

Words to know

• tax credits — Money the government gives to help people pay for something.
• poverty line — The income level the government uses to say who is poor.
• moderate-income — Earning a middle amount of money, not rich and not poor.
• lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
• PACs — Groups that collect money and give it to candidates for office.
• sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.