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H.R. 4849119th CongressIn committeeLatest action Aug 1, 2025Decoded by AI · checked against the record
Official title: Protecting Health Care and Lowering Costs Act of 2025
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
HR 4849 removes the 400% poverty income cap on ACA premium tax credits and repeals unspecified 2025 budget health provisions.
55-second read · 4 questions answered below
HR 4849 would repeal certain health care provisions from Public Law 119-21, a budget law passed earlier in 2025, returning rules to what they were before that law. It would also make permanent the removal of the 400 percent federal poverty level income cap on Premium Tax Credits, which help people pay for private health insurance through the ACA marketplace. People above that income threshold could qualify for assistance, though the subsidy amount would still decrease on a sliding scale as income rises.
The bill primarily affects people who buy individual health insurance through the ACA marketplace, including self-employed workers, part-time workers, and early retirees. Depending on what the repealed 2025 budget provisions contained, a broader group of people could also be affected.
Removing the income cap would extend eligibility for premium assistance to people who currently receive no subsidy because their earnings exceed 400 percent of the federal poverty level. Repealing the 2025 budget law provisions would reverse changes whose specific effects the bill does not describe.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: a House committee is reviewing it. If the Senate changes it, it goes back to the House before reaching the President.
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.