H.R. 4849House119th Congress (2025-2027)In Committee

Protecting Health Care and Lowering Costs Act of 2025

Sponsored by Adam GrayRep. Adam Gray (D-CA)
Introduced August 1, 2025

AI-Generated Summary

Updated November 23, 2025 at 11:00 PM UTC

The Protecting Health Care and Lowering Costs Act of 2025 repeals the health‑related sections of a previous reconciliation law and changes the rules for the premium tax credit that helps people afford health insurance. It expands eligibility and adjusts subsidy percentages for households at various income levels, affecting individuals who receive these tax credits.

Key Provisions

  • Repeals Subtitle B of title VII of the earlier reconciliation act, undoing its health‑related provisions.
  • Removes the "but does not exceed 400 percent" limit from the premium tax credit eligibility formula.
  • Introduces a new sliding‑scale subsidy schedule: 0% subsidy for incomes up to 150% of the poverty line, increasing to 2% for 150‑200%, 4% for 200‑250%, 6% for 250‑300%, and 8.5% for 300‑400% and above.
  • Eliminates several subparagraphs and clauses in the Internal Revenue Code that previously limited affordability calculations.
  • Applies the changes to taxable years beginning after December 31, 2025.

Legislative Activity

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1 earlier action
HouseIntro Referral Latest Action

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.

August 1, 2025

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HouseIntro Referral

Introduced in House

August 1, 2025

HouseIntro Referral

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.

August 1, 2025

Floor Debate

9 members

What members said about H.R. 4849 on the floor

4 Republicans5 Democrats
Mary Gay Scanlon
Rep. Mary Gay ScanlonD-PA-5 · Sep 9, 2025

Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise in strong opposition to the rule. The fiscal year 2026 National Defense Authorization Act presented to us without amendment…

Austin Scott
Rep. Austin ScottR-GA-8 · Sep 9, 2025

Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 682 and ask for its immediate consideration. Mr. Speaker, for the purpose of debate only, I yield the customary 30…

Jay Obernolte
Rep. Jay ObernolteR-CA-23 · Sep 9, 2025

Mr. Speaker, I thank the gentleman for yielding me the time. Mr. Speaker, as we debate the rule providing for consideration of amendments to this year's National Defense Authorization Act, I rise to…

Derek Schmidt
Rep. Derek SchmidtR-KS-2 · Sep 9, 2025

Mr. Speaker, I thank the gentleman for yielding me time. I rise in support of the rule and urge this body to adopt it. It is the next necessary step for us to proceed to consideration and ultimately…

Yassamin Ansari
Rep. Yassamin AnsariD-AZ-3 · Sep 9, 2025

Mr. Speaker, this week I offered four commonsense amendments, several with bipartisan support, that would have made the fiscal year 2026 National Defense Authorization Act stronger and more…

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Sarah McBride
Rep. Sarah McBrideD-DE · Sep 9, 2025

Mr. Speaker, I know a few Members of this Chamber can't seem to muster any maturity when they have a transgender colleague, but members of the U.S. Armed Forces can and have. For years, transgender…

Teresa Leger Fernandez
Rep. Teresa Leger FernandezD-NM-3 · Sep 9, 2025

Mr. Speaker, once again, Republicans on the Rules Committee blocked a vote on the bipartisan Massie-Khanna bill to release the Epstein files. Covering up the files just protects the criminal activity…

Virginia Foxx
Rep. Virginia FoxxR-NC-5 · Sep 9, 2025

Mr. Speaker, I thank my colleague for yielding. Mr. Speaker, Congress is charged with upholding the solemn constitutional mandate of providing for the common defense of the Nation. We must guarantee…

Herbert C. Conaway, Jr.
Rep. Herbert C. Conaway, Jr.D-NJ-3 · Sep 9, 2025

Mr. Speaker, I rise today to speak on my amendments to the National Defense Authorization Act. This administration has made their military plan clear: weaponize our troops against the people and use…

Bill Text

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Introduced in HouseIssued August 1, 2025

I

119th CONGRESS

1st Session

H. R. 4849

IN THE HOUSE OF REPRESENTATIVES

August 1, 2025

Mr. Gray introduced the following bill; which was 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

A BILL

To repeal health-related portions of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14, and for other purposes.

1.

Short title

This Act may be cited as the Protecting Health Care and Lowering Costs Act of 2025.

2.

Repeal of reconciliation health provisions

Subtitle B of title VII of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14 (Public Law 119–21) is repealed and any law or regulation referred to in such subtitle shall be applied as if such subtitle and the amendments made by such subtitle had not been enacted.

3.

Increase in eligibility for premium tax credit

(a)

In general

Subparagraph (A) of section 36B(c)(1) of the Internal Revenue Code of 1986 is amended by striking but does not exceed 400 percent.

(b)

Applicable percentages

(1)

In general

Subparagraph (A) of section 36B(b)(3) of the Internal Revenue Code of 1986 is amended to read as follows:

(A)

Applicable percentage

The applicable percentage for any taxable year shall be the percentage such that the applicable percentage for any taxpayer whose household income is within an income tier specified in the following table shall increase, on a sliding scale in a linear manner, from the initial premium percentage to the final premium percentage specified in such table for such income tier:

In the case of household income
(expressed as a percent of poverty line)
within the following income tier:
The initial premium percentage is—The final premium percentage is—
Up to 150 percent00
150 percent up to 200 percent02.0
200 percent up to 250 percent2.04.0
250 percent up to 300 percent4.06.0
300 percent up to 400 percent6.08.5
400 percent and higher8.58.5.

.

(2)

Conforming amendments relating to affordability of coverage

(A)

Paragraph (1) of section 36B(c) of such Code is amended by striking subparagraph (E).

(B)

Subparagraph (C) of section 36B(c)(2) of such Code is amended by striking clause (iv).

(C)

Paragraph (4) of section 36B(c) of such Code is amended by striking subparagraph (F).

(c)

Effective date

The amendments made by this section shall apply to taxable years beginning after December 31, 2025.