Bills · HR 4849
IN COMMITTEE· 119TH CONGRESS
House BillHR 4849Taxation
Protecting Health Care and Lowering Costs Act of 2025
INTRO AUG 1· LAST ACTION AUG 1
READING
3MIN
COSPONSORS
141
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it could dramatically change the landscape of health insurance affordability and access in the United States. If enacted, it would make health insurance more attainable for many, especially middle and higher-income individuals and families who currently do not qualify for financial help and often face high premium costs. This could lead to a decrease in the number of uninsured people and reduce the financial burden of healthcare for those already insured.
Without this bill, the current income cap for subsidies would remain, leaving many moderate and higher-income households to pay the full cost of their health insurance premiums, which can be a significant portion of their budget. By removing the cap and limiting premium contributions, the bill aims to address concerns about healthcare costs and ensure that health insurance remains affordable for a broader segment of the population, potentially impacting household budgets and access to care nationwide.
KEY PROVISIONS
4AI-extractedPROVISION 01
Eliminates the income cap (currently 400% of the federal poverty line) for eligibility to receive premium tax credits for health insurance.
This provision significantly expands who can get financial help for health insurance, making subsidies available to higher-income individuals and families who previously didn't qualify.
PROVISION 02
Caps the amount a household earning 400% of the federal poverty line or more must pay for a benchmark health plan at 8.5% of their income.
This ensures that even higher-income individuals do not face exorbitant health insurance costs relative to their earnings, reducing a major barrier to coverage.
PROVISION 03
Adjusts the sliding scale of 'applicable percentages' that determine how much of a household's income is expected to go towards health insurance premiums across various income tiers.
These adjustments can change the amount of financial assistance received by people at all eligible income levels, potentially reducing out-of-pocket premium costs for many.
PROVISION 04
Repeals health-related provisions from a prior law, Public Law 119-21, as if they had never been enacted.
This could undo previous changes to health policy, but without further details on Public Law 119-21's health provisions, the specific impact is unclear.
SPONSORSHIP
1 + 141
D· California
YRS IN OFFICE
1
BILLS LED
8
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 141 REP 0 IND 0
ACTION TIMELINE
2 EVENTSAUG 1
Introduced in House
AUG 1
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.
BILL INFO
TypeHouse Bill
NumberHR 4849
Congress119th
StatusIn Committee
IntroducedAug 1, 2025
Last actionAug 1, 2025
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED AUG 1, 2025
House BillHR 4849Taxation
Protecting Health Care and Lowering Costs Act of 2025
INTRODUCED AUG 1, 2025· LAST ACTION AUG 1, 2025
PASSAGE CHANCES
—%
READING
3 min
COSPONSORS
141
COMPLEXITY
Moderate
