H.R. 4849: Protecting Health Care and Lowering Costs Act of 2025
This bill, titled the Protecting Health Care and Lowering Costs Act of 2025, includes several key provisions concerning health care and tax credits related to health insurance. Below is a summary of the main components of the bill:
Repeal of Health-Related Provisions
One of the primary actions of this bill is to repeal specific sections of a previous law known as Public Law 119-21. This repeal effectively removes certain health-related measures that were established under that law, meaning that past regulations and laws will remain in effect as if the repealed provisions had never existed.
Changes to Premium Tax Credit Eligibility
The bill proposes modifications to the eligibility criteria for the premium tax credit, which helps individuals and families afford health insurance purchased through the Health Insurance Marketplace. The key changes include:
- Increased Income Threshold: The current law limits eligibility for the premium tax credit to individuals and families earning up to 400% of the federal poverty level. This bill removes that upper limit, allowing more people to qualify for financial assistance.
Adjustment of Applicable Percentages
The bill also adjusts what are referred to as 'applicable percentages' used to calculate the premium tax credits. These adjustments are made on a sliding scale based on varying income tiers, as follows:
- Income Below 150% of Poverty Level: Individuals in this category will have a premium percentage of 0%, meaning they will pay no premium costs for their health insurance.
- Income Between 150% and 200% of Poverty Level: The premium percentage starts at 0% and increases to 2% as income rises.
- Income Between 200% and 250% of Poverty Level: The premium percentage starts at 2% and goes up to 4%.
- Income Between 250% and 300% of Poverty Level: The premium percentage starts at 4% and increases to 6%.
- Income Between 300% and 400% of Poverty Level: The premium percentage starts at 6% and rises to 8.5%.
- Income 400% and Above: Individuals in this category will pay 8.5% of their income towards premiums.
Conforming Amendments
To align with the changes made regarding premium tax credits, the bill includes amendments to ensure that related provisions in the tax code are updated accordingly. This means removing or altering specific clauses in the tax code that reference the previous structure of the premium tax credit.
Effective Date
All amendments made by this bill concerning the premium tax credit changes will take effect for taxable years beginning after December 31, 2025. This gives time for the necessary administrative updates and adjustments to occur before the changes are fully implemented.
Relevant Companies
- UNH (UnitedHealth Group Incorporated): As a major health insurance provider, changes in tax credits and eligibility could affect their customer base and enrollment figures directly.
- ANTM (Anthem, Inc.): Similar to UnitedHealth, Anthem may see shifts in enrollment and claims as more individuals qualify for premium subsidies under the newly proposed guidelines.
- CNC (Centene Corporation): Centene, which focuses on Medicaid and government-sponsored health programs, might experience an impact due to increased eligibility for tax credits and changes in customer demographics.
This is an AI-generated summary of the bill text. There may be mistakes.
Sponsors
83 bill sponsors
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TrackAdam Gray
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TrackGabe Amo
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TrackYassamin Ansari
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TrackBecca Balint
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TrackNanette Diaz Barragán
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TrackJoyce Beatty
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TrackJulia Brownley
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TrackNikki Budzinski
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TrackTroy A. Carter
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TrackKathy Castor
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TrackJoaquin Castro
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TrackJudy Chu
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TrackYvette D. Clarke
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TrackEmanuel Cleaver
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TrackSteve Cohen
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TrackJ. Luis Correa
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TrackJim Costa
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TrackAngie Craig
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TrackDanny K. Davis
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TrackDiana DeGette
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TrackSuzan K. DelBene
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TrackChristopher R. Deluzio
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TrackDebbie Dingell
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TrackCleo Fields
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TrackShomari Figures
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TrackLizzie Fletcher
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TrackLaura Friedman
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TrackDaniel S. Goldman
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TrackVicente Gonzalez
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TrackJosh Gottheimer
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TrackSteven Horsford
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TrackSara Jacobs
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TrackPramila Jayapal
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TrackJulie Johnson
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TrackHenry C. "Hank" Johnson, Jr.
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TrackRobin L. Kelly
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TrackTimothy M. Kennedy
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TrackRaja Krishnamoorthi
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TrackGreg Landsman
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TrackRick Larsen
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TrackJohn B. Larson
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TrackSam Liccardo
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TrackJohn Mannion
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TrackDoris O. Matsui
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TrackSarah McBride
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TrackJennifer L. McClellan
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TrackBetty McCollum
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TrackKristen McDonald Rivet
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TrackRobert Menendez
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TrackGrace Meng
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TrackKelly Morrison
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TrackKevin Mullin
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TrackJerrold Nadler
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TrackEleanor Holmes Norton
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TrackAlexandria Ocasio-Cortez
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TrackIlhan Omar
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TrackFrank Pallone, Jr.
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TrackChris Pappas
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TrackBrittany Pettersen
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TrackChellie Pingree
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TrackMike Quigley
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TrackEmily Randall
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TrackLuz Rivas
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TrackRaul Ruiz
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TrackAndrea Salinas
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TrackMary Gay Scanlon
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TrackJanice D. Schakowsky
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TrackKim Schrier
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TrackTerri A. Sewell
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TrackBrad Sherman
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TrackLateefah Simon
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TrackDarren Soto
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TrackHaley M. Stevens
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TrackSuhas Subramanyam
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TrackThomas R. Suozzi
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TrackEric Swalwell
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TrackPaul Tonko
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TrackRitchie Torres
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TrackLori Trahan
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TrackDerek Tran
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TrackGabe Vasquez
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TrackMarc A. Veasey
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TrackMaxine Waters
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Actions
2 actions
| Date | Action |
|---|---|
| Aug. 01, 2025 | Introduced in House |
| Aug. 01, 2025 | Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. |
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