Protecting Health Care and Lowering Costs Act of 2025

Summary

Protecting Health Care and Lowering Costs Act 2025 This bill makes permanent temporary provisions that generally expand eligibility for and increase the amount of the premium tax credit. This bill also repeals multiple Medicaid, Medicare, and health-related tax provisions enacted by the One Big Beautiful Bill Act (OBBBA). Currently, eligible taxpayers may claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To qualify, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the maximum income limit is eliminated, which generally expands eligibility for the premium tax credit. Further, under current law, the amount of the premium tax credit is partially based on the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the applicable percentages are lowered and the adjustment of the applicable percentages for inflation is eliminated, which generally increases the amount of the premium tax credit. The bill permanently eliminates the 400% maximum income limit, lowers the applicable percentages, and eliminates the inflation adjustment for the applicable percentages. Finally, the bill repeals multiple Medicaid, Medicare, and health-related tax provisions enacted by the OBBBA, including certain Medicare and Medicare eligibility and verification requirements, the reduced window for retroactive Medicaid coverage, and premium tax credit verification requirements.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Assigned to a committee for review.

House Committee on Energy and Commerce · U.S. House of Representatives

Also referred to House Committee on Ways and Means · U.S. House of Representatives.

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Cosponsors

Related bills

• H.R. 247Health Care Affordability Act of 2025Related bill
• H.R. 7767Make Billionaires Pay Their Fair Share ActRelated bill
• S. 46Health Care Affordability Act of 2025Related bill
• S. 2556Protecting Health Care and Lowering Costs ActRelated bill
• S. 3956Make Billionaires Pay Their Fair Share ActRelated bill

As identified by Congress.gov.

Full history

1. Sep 30, 2025

   Introduced

   Introduced in U.S. House

   U.S. House

2. Aug 1, 2025

   Introduced

   Introduced in House

   U.S. House of Representatives

3. Aug 1, 2025

   In committee

   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.

   U.S. House

4. Aug 1, 2025

   Referred to committee

   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.

5. Aug 1, 2025

   Referred to committee

   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.

Read the record

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