Protecting Health Care and Lowering Costs Act of 2025
Sponsored By: Representative Gray
Introduced
Summary
Overhaul of the Premium Tax Credit is the bill's main change. The bill would also repeal the health-related subtitle of recent reconciliation and swap the current affordability test for a new income-based sliding scale that changes required premium shares across income tiers.
Show full summary
- Families and households: The bill would remove the 400% of poverty cap on eligibility, potentially making tax credits available to people with incomes above 400% of the federal poverty line.
- Low- and moderate-income enrollees: People up to 150% of the poverty line would have a 0% required premium share while required shares would rise in steps up to 8.5% for higher incomes under the new sliding scale.
- Health law and rules: The bill would repeal Subtitle B of title VII of the cited reconciliation law and treat any law or regulation referenced there as if those subtitle changes had not been enacted, restoring the prior health framework.
The new premium rules would apply to taxable years beginning after December 31, 2025.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Sliding tax credit for premiums
If enacted, this would change how the Premium Tax Credit is set. Your required share of the benchmark premium would use a sliding scale based on your income. Up to 150% of the poverty line: 0%. 150%–200%: up to 2.0%. 200%–250%: up to 4.0%. 250%–300%: up to 6.0%. 300%–400%: up to 8.5%. At 400% and above: 8.5%. It would also remove the 400% income cap in the eligibility rule, so some people above 400% could get help at 8.5%. These rules would apply for tax years starting after December 31, 2025.
Roll back prior health policy changes
If enacted, the bill would repeal a set of health rules from an earlier law (Public Law 119-21, Subtitle B of title VII). Laws and rules named in that subtitle would be applied as if that subtitle never passed. This would take effect upon enactment. The impact would vary, since restoring earlier rules could help some groups and limit others.
Sponsors & CoSponsors
Sponsor
Gray
CA • D
Cosponsors
Tonko
NY • D
Sponsored 8/5/2025
Mullin
CA • D
Sponsored 8/8/2025
Simon
CA • D
Sponsored 8/8/2025
Menendez
NJ • D
Sponsored 8/8/2025
Larson (CT)
CT • D
Sponsored 8/8/2025
Castor (FL)
FL • D
Sponsored 8/8/2025
Boyle (PA)
PA • D
Sponsored 9/23/2025
Clarke (NY)
NY • D
Sponsored 8/8/2025
McClellan
VA • D
Sponsored 8/8/2025
DelBene
WA • D
Sponsored 8/15/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 8/15/2025
Landsman
OH • D
Sponsored 8/15/2025
Chu
CA • D
Sponsored 8/15/2025
Ruiz
CA • D
Sponsored 8/15/2025
Johnson (GA)
GA • D
Sponsored 8/15/2025
Mannion
NY • D
Sponsored 8/15/2025
Ocasio-Cortez
NY • D
Sponsored 8/15/2025
Goldman (NY)
NY • D
Sponsored 8/15/2025
Horsford
NV • D
Sponsored 8/15/2025
Barragan
CA • D
Sponsored 8/15/2025
Brownley
CA • D
Sponsored 8/15/2025
Larsen (WA)
WA • D
Sponsored 8/15/2025
Fields
LA • D
Sponsored 8/15/2025
Quigley
IL • D
Sponsored 8/19/2025
Matsui
CA • D
Sponsored 8/19/2025
Costa
CA • D
Sponsored 8/19/2025
Sherman
CA • D
Sponsored 8/19/2025
Krishnamoorthi
IL • D
Sponsored 8/22/2025
Morrison
MN • D
Sponsored 8/22/2025
Nadler
NY • D
Sponsored 8/22/2025
Davis (IL)
IL • D
Sponsored 8/22/2025
Torres (NY)
NY • D
Sponsored 8/22/2025
Budzinski
IL • D
Sponsored 8/26/2025
McBride
DE • D
Sponsored 8/26/2025
Gottheimer
NJ • D
Sponsored 8/26/2025
Ansari
AZ • D
Sponsored 8/26/2025
Schakowsky
IL • D
Sponsored 8/26/2025
Carter (LA)
LA • D
Sponsored 9/4/2025
Cohen
TN • D
Sponsored 9/4/2025
Liccardo
CA • D
Sponsored 9/4/2025
Kelly (IL)
IL • D
Sponsored 9/4/2025
Craig
MN • D
Sponsored 9/4/2025
Vasquez
NM • D
Sponsored 9/4/2025
Subramanyam
VA • D
Sponsored 9/4/2025
Correa
CA • D
Sponsored 9/4/2025
Omar
MN • D
Sponsored 9/4/2025
Suozzi
NY • D
Sponsored 9/4/2025
Friedman
CA • D
Sponsored 9/8/2025
Trahan
MA • D
Sponsored 9/8/2025
Stevens
MI • D
Sponsored 9/8/2025
Randall
WA • D
Sponsored 9/8/2025
Castro (TX)
TX • D
Sponsored 9/8/2025
Figures
AL • D
Sponsored 9/8/2025
Amo
RI • D
Sponsored 9/8/2025
Salinas
OR • D
Sponsored 9/8/2025
Rivas
CA • D
Sponsored 9/8/2025
Sewell
AL • D
Sponsored 9/8/2025
Veasey
TX • D
Sponsored 9/8/2025
Tran
CA • D
Sponsored 9/8/2025
Kennedy (NY)
NY • D
Sponsored 9/8/2025
McDonald Rivet
MI • D
Sponsored 9/9/2025
Scanlon
PA • D
Sponsored 9/10/2025
Deluzio
PA • D
Sponsored 9/10/2025
Pallone
NJ • D
Sponsored 9/10/2025
Fletcher
TX • D
Sponsored 9/10/2025
Soto
FL • D
Sponsored 9/11/2025
Waters
CA • D
Sponsored 9/11/2025
Jacobs
CA • D
Sponsored 9/11/2025
Gonzalez, V.
TX • D
Sponsored 9/11/2025
Schrier
WA • D
Sponsored 9/15/2025
Meng
NY • D
Sponsored 9/15/2025
Johnson (TX)
TX • D
Sponsored 9/15/2025
Swalwell
CA • D
Sponsored 9/15/2025
Beatty
OH • D
Sponsored 9/15/2025
Cleaver
MO • D
Sponsored 9/15/2025
Pappas
NH • D
Sponsored 9/15/2025
Pettersen
CO • D
Sponsored 9/15/2025
Balint
VT • D
Sponsored 9/16/2025
Jayapal
WA • D
Sponsored 9/16/2025
McCollum
MN • D
Sponsored 9/16/2025
Pingree
ME • D
Sponsored 9/16/2025
Dingell
MI • D
Sponsored 9/16/2025
DeGette
CO • D
Sponsored 9/17/2025
Ross
NC • D
Sponsored 9/23/2025
Cherfilus-McCormick
FL • D
Sponsored 9/23/2025
Sorensen
IL • D
Sponsored 9/23/2025
Scott (VA)
VA • D
Sponsored 9/30/2025
Tokuda
HI • D
Sponsored 9/30/2025
Thompson (MS)
MS • D
Sponsored 9/30/2025
Underwood
IL • D
Sponsored 9/30/2025
Whitesides
CA • D
Sponsored 9/30/2025
Carbajal
CA • D
Sponsored 9/30/2025
Jackson (IL)
IL • D
Sponsored 9/30/2025
Leger Fernandez
NM • D
Sponsored 9/30/2025
Riley (NY)
NY • D
Sponsored 9/30/2025
Huffman
CA • D
Sponsored 9/30/2025
Tlaib
MI • D
Sponsored 9/30/2025
Olszewski
MD • D
Sponsored 9/30/2025
Thanedar
MI • D
Sponsored 9/30/2025
Watson Coleman
NJ • D
Sponsored 10/3/2025
Dean (PA)
PA • D
Sponsored 10/3/2025
Bonamici
OR • D
Sponsored 10/3/2025
Garamendi
CA • D
Sponsored 10/3/2025
Schneider
IL • D
Sponsored 10/3/2025
Frankel, Lois
FL • D
Sponsored 10/3/2025
Velazquez
NY • D
Sponsored 10/3/2025
Bera
CA • D
Sponsored 10/3/2025
Lee (PA)
PA • D
Sponsored 10/3/2025
Thompson (CA)
CA • D
Sponsored 10/3/2025
Lieu
CA • D
Sponsored 10/3/2025
Norcross
NJ • D
Sponsored 10/3/2025
Titus
NV • D
Sponsored 10/3/2025
Latimer
NY • D
Sponsored 10/3/2025
Cuellar
TX • D
Sponsored 10/3/2025
Pelosi
CA • D
Sponsored 10/3/2025
Moulton
MA • D
Sponsored 10/3/2025
Sherrill
NJ • D
Sponsored 10/6/2025
Pocan
WI • D
Sponsored 10/6/2025
Himes
CT • D
Sponsored 10/10/2025
Lynch
MA • D
Sponsored 10/10/2025
Ivey
MD • D
Sponsored 10/10/2025
Bell
MO • D
Sponsored 10/10/2025
Bynum
OR • D
Sponsored 10/10/2025
Takano
CA • D
Sponsored 10/10/2025
Dexter
OR • D
Sponsored 10/10/2025
Smith (WA)
WA • D
Sponsored 10/14/2025
Garcia (IL)
IL • D
Sponsored 10/21/2025
Bishop
GA • D
Sponsored 10/21/2025
Sykes
OH • D
Sponsored 10/31/2025
Strickland
WA • D
Sponsored 10/31/2025
McClain Delaney
MD • D
Sponsored 10/31/2025
Cisneros
CA • D
Sponsored 10/31/2025
Magaziner
RI • D
Sponsored 11/18/2025
Grijalva
AZ • D
Sponsored 11/19/2025
Panetta
CA • D
Sponsored 12/10/2025
McGovern
MA • D
Sponsored 12/10/2025
Crockett
TX • D
Sponsored 1/15/2026
Roll Call Votes
No roll call votes available for this bill.
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