Are there any federal proposals or bills in 2025 to extend or make permanent the ARPA premium tax credit enhancements?

1. What the current law says: a temporary boost through 2025

The American Rescue Plan Act (ARPA) temporarily expanded and enhanced Affordable Care Act premium tax credits (eliminating the 400% FPL cliff and increasing subsidy generosity), and the Inflation Reduction Act extended those enhanced rules through calendar/plan year 2025 — meaning the ARPA/IRA enhancements expire at the end of 2025 unless Congress acts ^{[3] [4]}.

2. The clearest federal proposal in 2025: H.R.5145 — a one-year, bipartisan pause

A concrete bill introduced in the 119th Congress, H.R.5145, the “Bipartisan Premium Tax Credit Extension Act,” would extend the temporary ARPA/IRA changes for one additional year through 2026 (i.e., prevent the reversion to pre‑ARPA subsidy rules for 2026) ^[1]. Multiple bill trackers and summaries reiterate that this proposal is explicitly a one-year extension, not a permanent change ^{[5] [1]}.

3. Analyses and requests for longer-term answers: CBO work on permanence

House Republican chairmen asked the Congressional Budget Office (CBO) and JCT to model the budgetary and coverage consequences of making the ARPA enhanced premium tax credit structure permanent; CBO produced or prepared to produce analyses on permanent extension impacts, indicating serious interest and active study of a permanent path in 2025 ^{[2] [6]}. The CBO’s modeling has been used by stakeholders to estimate wide budgetary impacts and coverage effects ^[6].

4. Advocacy and stakeholder pressure for permanence or extension

Policy groups and advocacy organizations uniformly warn that letting enhanced credits lapse would raise premiums and reduce coverage, and they urge either extensions or permanence; for example, Families USA and the Center for American Progress call for permanent or at least continued extensions, emphasizing marketplace enrollment gains tied to ARPA/IRA enhancements ^{[7] [8]}. Independent analysts have quantified likely premium increases and coverage losses if enhancements end ^{[9] [10]}.

5. Political realities: one-year vs. permanent are different fights

Legislative proposals in 2025 reflect two distinct approaches in circulation: targeted short-term extensions (like H.R.5145’s one-year fix) to avoid a cliff and buy time, and requests/analyses for permanent extension that raise larger budget and partisan debates. H.R.5145 represents the pragmatic, near-term option on the floor; CBO work on permanence signals that lawmakers contemplating a long-term fix will confront bigger deficit and cost debates ^{[1] [2] [6]}.

6. What the numbers suggest: enrollment and fiscal trade-offs

Advocates point to record marketplace enrollment under enhanced credits — analysts cite figures like millions more enrolled and much-larger subsidies — while budget scorers warn permanent extension would materially increase federal outlays and deficits over the 10-year window; CBO’s and other estimates are being used to quantify these trade-offs ^{[9] [6] [2]}.

7. What reporting does not show / limits of current sources

Available sources do not mention whether other specific 2025 bills beyond H.R.5145 were formally introduced that seek permanent adoption of ARPA enhancements; the assembled material documents the one-year extension bill and CBO analyses requested of permanence, but it does not list a named permanent‑change bill in 2025 ^{[1] [2]}. Also, sources do not provide final legislative outcomes for H.R.5145 in 2025 reporting excerpts provided here ^[1].

8. Bottom line for readers

If you are watching whether ARPA’s enhanced premium tax credits survive beyond 2025, the clearest immediate federal proposal in 2025 is a bipartisan one-year extension (H.R.5145) to maintain enhanced rules through 2026, while separate CBO work underscores active consideration of making the changes permanent — a far larger and costlier policy choice that remains politically contested ^{[1] [2] [6]}.