# 119-hr-4849: Protecting Health Care and Lowering Costs Act of 2025

119-hr-4849, Protecting Health Care and Lowering Costs Act of 2025, is a 119th Congress bill sponsored by Rep. Gray, Adam [D-CA-13] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-10-07).

- Canonical: https://policyrisk.com/legislation/119-hr-4849
- As of: 2026-10-07
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4849
- Congress: 119
- Title: Protecting Health Care and Lowering Costs Act of 2025
- Status: introduced
- Introduced: 2025-08-01
- Sponsor: Rep. Gray, Adam [D-CA-13] (D-CA)
- Cosponsors: 142
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-10-07

## 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. - 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.

## Cosponsors (142)

- Rep. Min, Dave [D-CA-47] (D-CA), 2026-10-05T00:00:00.000Z
- Rep. Tonko, Paul [D-NY-20] (D-NY), 2025-08-05T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-08-08T00:00:00.000Z
- Rep. Simon, Lateefah [D-CA-12] (D-CA), 2025-08-08T00:00:00.000Z
- Rep. Menendez, Robert [D-NJ-8] (D-NJ), 2025-08-08T00:00:00.000Z
- Rep. Larson, John B. [D-CT-1] (D-CT), 2025-08-08T00:00:00.000Z
- Rep. Castor, Kathy [D-FL-14] (D-FL), 2025-08-08T00:00:00.000Z
- Rep. Boyle, Brendan F. [D-PA-2] (D-PA), 2025-09-23T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2025-08-08T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2025-08-08T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-08-15T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-08-15T00:00:00.000Z
- Rep. Landsman, Greg [D-OH-1] (D-OH), 2025-08-15T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-08-15T00:00:00.000Z
- Rep. Mannion, John W. [D-NY-22] (D-NY), 2025-08-15T00:00:00.000Z
- Rep. Ocasio-Cortez, Alexandria [D-NY-14] (D-NY), 2025-08-15T00:00:00.000Z
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY), 2025-08-15T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2025-08-15T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-08-15T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2025-08-15T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-08-15T00:00:00.000Z
- Rep. Quigley, Mike [D-IL-5] (D-IL), 2025-08-19T00:00:00.000Z
- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-08-19T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-08-19T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-08-19T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-08-22T00:00:00.000Z
- Rep. Morrison, Kelly [D-MN-3] (D-MN), 2025-08-22T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2025-08-22T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2025-08-22T00:00:00.000Z
- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-08-22T00:00:00.000Z
- Rep. Budzinski, Nikki [D-IL-13] (D-IL), 2025-08-26T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-08-26T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-08-26T00:00:00.000Z
- Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2025-08-26T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2025-08-26T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2025-09-04T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-09-04T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2025-09-04T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-09-04T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-09-04T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2025-09-04T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2025-09-04T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-09-04T00:00:00.000Z
- Rep. Omar, Ilhan [D-MN-5] (D-MN), 2025-09-04T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-09-04T00:00:00.000Z
- Rep. Friedman, Laura [D-CA-30] (D-CA), 2025-09-08T00:00:00.000Z
- Rep. Trahan, Lori [D-MA-3] (D-MA), 2025-09-08T00:00:00.000Z
- Rep. Stevens, Haley M. [D-MI-11] (D-MI), 2025-09-08T00:00:00.000Z
- Rep. Randall, Emily [D-WA-6] (D-WA), 2025-09-08T00:00:00.000Z
- Rep. Castro, Joaquin [D-TX-20] (D-TX), 2025-09-08T00:00:00.000Z
- Rep. Figures, Shomari [D-AL-2] (D-AL), 2025-09-08T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2025-09-08T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-09-08T00:00:00.000Z
- Rep. Rivas, Luz M. [D-CA-29] (D-CA), 2025-09-08T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2025-09-08T00:00:00.000Z
- Rep. Veasey, Marc A. [D-TX-33] (D-TX), 2025-09-08T00:00:00.000Z
- Rep. Tran, Derek [D-CA-45] (D-CA), 2025-09-08T00:00:00.000Z
- Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2025-09-08T00:00:00.000Z
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI), 2025-09-09T00:00:00.000Z
- Rep. Scanlon, Mary Gay [D-PA-5] (D-PA), 2025-09-10T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2025-09-10T00:00:00.000Z
- Rep. Pallone, Frank [D-NJ-6] (D-NJ), 2025-09-10T00:00:00.000Z
- Rep. Fletcher, Lizzie [D-TX-7] (D-TX), 2025-09-10T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-09-11T00:00:00.000Z
- Rep. Waters, Maxine [D-CA-43] (D-CA), 2025-09-11T00:00:00.000Z
- Rep. Jacobs, Sara [D-CA-51] (D-CA), 2025-09-11T00:00:00.000Z
- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2025-09-11T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-09-15T00:00:00.000Z
- Rep. Meng, Grace [D-NY-6] (D-NY), 2025-09-15T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2025-09-15T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-09-15T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-09-15T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-09-15T00:00:00.000Z
- Rep. Pappas, Chris [D-NH-1] (D-NH), 2025-09-15T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-09-15T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2025-09-16T00:00:00.000Z
- Rep. Jayapal, Pramila [D-WA-7] (D-WA), 2025-09-16T00:00:00.000Z
- Rep. McCollum, Betty [D-MN-4] (D-MN), 2025-09-16T00:00:00.000Z
- Rep. Pingree, Chellie [D-ME-1] (D-ME), 2025-09-16T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-09-16T00:00:00.000Z
- Rep. DeGette, Diana [D-CO-1] (D-CO), 2025-09-17T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-09-23T00:00:00.000Z
- Rep. Cherfilus-McCormick, Sheila [D-FL-20] (D-FL), 2025-09-23T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-09-23T00:00:00.000Z
- Rep. Scott, Robert C. "Bobby" [D-VA-3] (D-VA), 2025-09-30T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-09-30T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-09-30T00:00:00.000Z
- Rep. Underwood, Lauren [D-IL-14] (D-IL), 2025-09-30T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2025-09-30T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-09-30T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-09-30T00:00:00.000Z
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2025-09-30T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2025-09-30T00:00:00.000Z
- Rep. Huffman, Jared [D-CA-2] (D-CA), 2025-09-30T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-09-30T00:00:00.000Z
- Rep. Olszewski, Johnny [D-MD-2] (D-MD), 2025-09-30T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-09-30T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-10-03T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2025-10-03T00:00:00.000Z
- Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2025-10-03T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2025-10-03T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-10-03T00:00:00.000Z
- Rep. Frankel, Lois [D-FL-22] (D-FL), 2025-10-03T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2025-10-03T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2025-10-03T00:00:00.000Z
- Rep. Lee, Summer L. [D-PA-12] (D-PA), 2025-10-03T00:00:00.000Z
- Rep. Thompson, Mike [D-CA-4] (D-CA), 2025-10-03T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-10-03T00:00:00.000Z
- Rep. Norcross, Donald [D-NJ-1] (D-NJ), 2025-10-03T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-10-03T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-10-03T00:00:00.000Z
- Rep. Cuellar, Henry [D-TX-28] (D-TX), 2025-10-03T00:00:00.000Z
- Rep. Pelosi, Nancy [D-CA-12] (D-CA), 2025-10-03T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2025-10-03T00:00:00.000Z
- Rep. Sherrill, Mikie [D-NJ-11] (D-NJ), 2025-10-06T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2025-10-06T00:00:00.000Z
- Rep. Himes, James A. [D-CT-4] (D-CT), 2025-10-10T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2025-10-10T00:00:00.000Z
- Rep. Ivey, Glenn [D-MD-4] (D-MD), 2025-10-10T00:00:00.000Z
- Rep. Bell, Wesley [D-MO-1] (D-MO), 2025-10-10T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2025-10-10T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2025-10-10T00:00:00.000Z
- Rep. Dexter, Maxine [D-OR-3] (D-OR), 2025-10-10T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2025-10-14T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2025-10-21T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-10-21T00:00:00.000Z
- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2025-10-31T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2025-10-31T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-10-31T00:00:00.000Z
- Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2025-10-31T00:00:00.000Z
- Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-11-18T00:00:00.000Z
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2025-11-19T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-12-10T00:00:00.000Z
- Rep. McGovern, James P. [D-MA-2] (D-MA), 2025-12-10T00:00:00.000Z
- Rep. Crockett, Jasmine [D-TX-30] (D-TX), 2026-01-15T00:00:00.000Z
- Rep. Casten, Sean [D-IL-6] (D-IL), 2026-04-09T00:00:00.000Z
- Rep. Menefee, Christian D. [D-TX-18] (D-TX), 2026-04-21T00:00:00.000Z
- Rep. Torres, Norma J. [D-CA-35] (D-CA), 2026-04-09T00:00:00.000Z
- Rep. Green, Al [D-TX-9] (D-TX), 2026-05-12T00:00:00.000Z

## Provisions PRIA read

- Sliding tax credit for premiums: benefit, high. 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 a…
- Roll back prior health policy changes: mixed, medium. 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 ru…

## Related bills

- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-17: Paycheck Fairness Act
- 119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hjres-80: Establishing the ratification of the Equal Rights Amendment.
- 119-hr-5390: FAMILY Act

## Sources
- [119-hr-4849 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4849)

## Related
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-hr-14)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hjres-80: Establishing the ratification of the Equal Rights Amendment.](https://policyrisk.com/legislation/119-hjres-80)
- [119-hr-5390: FAMILY Act](https://policyrisk.com/legislation/119-hr-5390)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4849 (as of 2026-10-07).