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119th Congress Taxation

H.R. 4849: Protecting Health Care and Lowering Costs Act of 2025

Introduced

  1. Introduced (completed)Aug 1, 2025
  2. Passed House (not reached)
  3. Passed Senate (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Introduced in House, Aug 1, 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.

Read the full summary

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.

Written by the Congressional Research Service, Library of Congress.

Roll calls

0 votes on this bill

No roll call votes have been held on this bill.

Amendments

0 offered

No amendments were offered to this bill.

Cosponsors

142

Who scored on this bill

18 points earned
  1. 1Adam Gray D-CA SponsorIntroduced, reached a cosponsor milestone4 events+18
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Introductions and cosponsorships count toward weekly caps and show no points.

Other bills by Adam Gray

History

  1. Aug 1, 2025Introduced in the House by Adam Gray.
Show the full action history (2 actions)
  1. Aug 1, 2025Introduced in House
  2. Aug 1, 2025Referred 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.