HR 4849
Protecting Health Care and Lowering Costs Act of 2025
Take action
Record your position on this measure.
Sign in to record your position, submit testimony, or contact your legislator.
Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
The Protecting Health Care and Lowering Costs Act of 2025 makes permanent changes to the premium tax credit, expanding eligibility and increasing the amount of financial assistance available to lower- and middle-income individuals purchasing health insurance through the Health Insurance Marketplace. It also repeals several provisions enacted by the One Big Beautiful Bill Act (OBBBA) related to Medicaid, Medicare, and premium tax credit verification. Specifically, the bill eliminates income limits for premium tax credit eligibility and adjusts the calculation of the credit itself.
Key provisions
- Permanently expands eligibility for the premium tax credit by eliminating the 400% FPL income limit.
- Lowers the applicable percentages used to calculate the premium tax credit, resulting in increased financial assistance.
- Eliminates the inflation adjustment to the applicable percentages.
- Repeals certain Medicare and Medicaid provisions enacted by the One Big Beautiful Bill Act (OBBBA).
- Specifically repeals requirements related to retroactive Medicaid coverage and premium tax credit verification.
- Adjusts the calculation of the premium tax credit using a sliding scale based on household income tiers.
Who is affected
- Individuals purchasing health insurance through the Health Insurance Marketplace.
- Low- and middle-income taxpayers.
- Medicaid recipients.
- Medicare beneficiaries.
- Healthcare providers and insurers (due to changes in Medicaid and Medicare provisions).
Notable changes
Sponsors
Official sponsors from legislative records.
Primary sponsor
Cosponsors
Arguments in favor
Reasons to support this legislation.
No arguments in favor have been submitted.
Submit yoursArguments opposed
Reasons to oppose this legislation.
No arguments opposed have been submitted.
Submit yoursRead the latest version inline or switch to a previous version.
119th CONGRESS — 1st Session
H. R. 4849
IN THE HOUSE OF REPRESENTATIVES
A BILL
To repeal health-related portions of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14, and for other purposes.
This Act may be cited as the Protecting Health Care and Lowering Costs Act of 2025
.
Subtitle B of title VII of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14 (Public Law 119–21) is repealed and any law or regulation referred to in such subtitle shall be applied as if such subtitle and the amendments made by such subtitle had not been enacted.
Subparagraph (A) of section 36B(c)(1) of the Internal Revenue Code of 1986 is amended by striking but does not exceed 400 percent
.
Subparagraph (A) of section 36B(b)(3) of the Internal Revenue Code of 1986 is amended to read as follows:
The applicable percentage for any taxable year shall be the percentage such that the applicable percentage for any taxpayer whose household income is within an income tier specified in the following table shall increase, on a sliding scale in a linear manner, from the initial premium percentage to the final premium percentage specified in such table for such income tier:
| In the case of household income (expressed as a percent of poverty line) within the following income tier: | The initial premium percentage is— | The final premium percentage is— |
| Up to 150 percent | 0 | 0 |
| 150 percent up to 200 percent | 0 | 2.0 |
| 200 percent up to 250 percent | 2.0 | 4.0 |
| 250 percent up to 300 percent | 4.0 | 6.0 |
| 300 percent up to 400 percent | 6.0 | 8.5 |
| 400 percent and higher | 8.5 | 8.5. |
Paragraph (1) of section 36B(c) of such Code is amended by striking subparagraph (E).
Subparagraph (C) of section 36B(c)(2) of such Code is amended by striking clause (iv).
Paragraph (4) of section 36B(c) of such Code is amended by striking subparagraph (F).
The amendments made by this section shall apply to taxable years beginning after December 31, 2025.