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Protecting Health Care and Lowering Costs Act: Changes to premium tax credits.

This bill aims to repeal certain health-related provisions from a previous reconciliation act. The main change is the removal of the income cap (400% of the federal poverty line) for individuals applying for the premium tax credit for health insurance premiums. Furthermore, the law modifies how this credit is calculated, lowering the maximum percentage of income citizens must spend on premiums, which is intended to reduce health insurance costs for many households.
Key points
Income Cap Removal: Individuals earning above 400% of the federal poverty line will now be eligible to apply for the premium tax credit.
Lower Insurance Costs: Revised calculation rules for the credit mean households will be required to spend a smaller percentage of their income on health insurance premiums.
Repeal of Prior Law: The Act repeals specific health provisions introduced by Public Law 119–21, reverting the legal status to before those provisions were enacted.
Effective Date: The changes to tax credits will apply to tax years beginning after December 31, 2025.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_4849
Sponsor: Rep. Gray, Adam [D-CA-13]
Process start date: 2025-08-01
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Summarized by: gemini-flash-latest
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Protecting Health Care and Lowering Costs Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_4849.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-08-01.

What are the main provisions?

Key points include:

  • Income Cap Removal: Individuals earning above 400% of the federal poverty line will now be eligible to apply for the premium tax credit.
  • Lower Insurance Costs: Revised calculation rules for the credit mean households will be required to spend a smaller percentage of their income on health insurance premiums.
  • Repeal of Prior Law: The Act repeals specific health provisions introduced by Public Law 119–21, reverting the legal status to before those provisions were enacted.
  • Effective Date: The changes to tax credits will apply to tax years beginning after December 31, 2025.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Gray, Adam [D-CA-13].

What is the latest detailed status?

The latest detailed status is: Introduced in House

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-31.

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