Protecting Health Care and Lowering Costs Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
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).
Bill text
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