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
Rep. Tonko, Paul [D-NY-20]
NY • D
Sponsored 8/5/2025
Mullin
CA • D
Sponsored 8/8/2025
Simon
CA • D
Sponsored 8/8/2025
Rep. Menendez, Robert [D-NJ-8]
NJ • D
Sponsored 8/8/2025
Rep. Larson, John B. [D-CT-1]
CT • D
Sponsored 8/8/2025
Rep. Castor, Kathy [D-FL-14]
FL • D
Sponsored 8/8/2025
Rep. Boyle, Brendan F. [D-PA-2]
PA • D
Sponsored 9/23/2025
Rep. Clarke, Yvette D. [D-NY-9]
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
Rep. Landsman, Greg [D-OH-1]
OH • D
Sponsored 8/15/2025
Rep. Chu, Judy [D-CA-28]
CA • D
Sponsored 8/15/2025
Rep. Ruiz, Raul [D-CA-25]
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
Rep. Goldman, Daniel S. [D-NY-10]
NY • D
Sponsored 8/15/2025
Rep. Horsford, Steven [D-NV-4]
NV • D
Sponsored 8/15/2025
Barragan
CA • D
Sponsored 8/15/2025
Rep. Brownley, Julia [D-CA-26]
CA • D
Sponsored 8/15/2025
Rep. Larsen, Rick [D-WA-2]
WA • D
Sponsored 8/15/2025
Rep. Fields, Cleo [D-LA-6]
LA • D
Sponsored 8/15/2025
Rep. Quigley, Mike [D-IL-5]
IL • D
Sponsored 8/19/2025
Rep. Matsui, Doris O. [D-CA-7]
CA • D
Sponsored 8/19/2025
Costa
CA • D
Sponsored 8/19/2025
Rep. Sherman, Brad [D-CA-32]
CA • D
Sponsored 8/19/2025
Rep. Krishnamoorthi, Raja [D-IL-8]
IL • D
Sponsored 8/22/2025
Rep. Morrison, Kelly [D-MN-3]
MN • D
Sponsored 8/22/2025
Rep. Nadler, Jerrold [D-NY-12]
NY • D
Sponsored 8/22/2025
Davis (IL)
IL • D
Sponsored 8/22/2025
Rep. Torres, Ritchie [D-NY-15]
NY • D
Sponsored 8/22/2025
Budzinski
IL • D
Sponsored 8/26/2025
McBride
DE • D
Sponsored 8/26/2025
Rep. Gottheimer, Josh [D-NJ-5]
NJ • D
Sponsored 8/26/2025
Rep. Ansari, Yassamin [D-AZ-3]
AZ • D
Sponsored 8/26/2025
Schakowsky
IL • D
Sponsored 8/26/2025
Rep. Carter, Troy A. [D-LA-2]
LA • D
Sponsored 9/4/2025
Cohen
TN • D
Sponsored 9/4/2025
Liccardo
CA • D
Sponsored 9/4/2025
Rep. Kelly, Robin L. [D-IL-2]
IL • D
Sponsored 9/4/2025
Craig
MN • D
Sponsored 9/4/2025
Rep. Vasquez, Gabe [D-NM-2]
NM • D
Sponsored 9/4/2025
Rep. Subramanyam, Suhas [D-VA-10]
VA • D
Sponsored 9/4/2025
Rep. Correa, J. Luis [D-CA-46]
CA • D
Sponsored 9/4/2025
Rep. Omar, Ilhan [D-MN-5]
MN • D
Sponsored 9/4/2025
Rep. Suozzi, Thomas R. [D-NY-3]
NY • D
Sponsored 9/4/2025
Friedman
CA • D
Sponsored 9/8/2025
Trahan
MA • D
Sponsored 9/8/2025
Rep. Stevens, Haley M. [D-MI-11]
MI • D
Sponsored 9/8/2025
Randall
WA • D
Sponsored 9/8/2025
Castro (TX)
TX • D
Sponsored 9/8/2025
Rep. Figures, Shomari [D-AL-2]
AL • D
Sponsored 9/8/2025
Rep. Amo, Gabe [D-RI-1]
RI • D
Sponsored 9/8/2025
Rep. Salinas, Andrea [D-OR-6]
OR • D
Sponsored 9/8/2025
Rep. Rivas, Luz M. [D-CA-29]
CA • D
Sponsored 9/8/2025
Sewell
AL • D
Sponsored 9/8/2025
Rep. Veasey, Marc A. [D-TX-33]
TX • D
Sponsored 9/8/2025
Rep. Tran, Derek [D-CA-45]
CA • D
Sponsored 9/8/2025
Kennedy (NY)
NY • D
Sponsored 9/8/2025
Rep. McDonald Rivet, Kristen [D-MI-8]
MI • D
Sponsored 9/9/2025
Rep. Scanlon, Mary Gay [D-PA-5]
PA • D
Sponsored 9/10/2025
Rep. Deluzio, Christopher R. [D-PA-17]
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
Rep. Waters, Maxine [D-CA-43]
CA • D
Sponsored 9/11/2025
Rep. Jacobs, Sara [D-CA-51]
CA • D
Sponsored 9/11/2025
Gonzalez, V.
TX • D
Sponsored 9/11/2025
Schrier
WA • D
Sponsored 9/15/2025
Rep. Meng, Grace [D-NY-6]
NY • D
Sponsored 9/15/2025
Rep. Johnson, Julie [D-TX-32]
TX • D
Sponsored 9/15/2025
Swalwell
CA • D
Sponsored 9/15/2025
Rep. Beatty, Joyce [D-OH-3]
OH • D
Sponsored 9/15/2025
Rep. Cleaver, Emanuel [D-MO-5]
MO • D
Sponsored 9/15/2025
Rep. Pappas, Chris [D-NH-1]
NH • D
Sponsored 9/15/2025
Rep. Pettersen, Brittany [D-CO-7]
CO • D
Sponsored 9/15/2025
Rep. Balint, Becca [D-VT-At Large]
VT • D
Sponsored 9/16/2025
Rep. Jayapal, Pramila [D-WA-7]
WA • D
Sponsored 9/16/2025
McCollum
MN • D
Sponsored 9/16/2025
Pingree
ME • D
Sponsored 9/16/2025
Rep. Dingell, Debbie [D-MI-6]
MI • D
Sponsored 9/16/2025
Rep. DeGette, Diana [D-CO-1]
CO • D
Sponsored 9/17/2025
Rep. Ross, Deborah K. [D-NC-2]
NC • D
Sponsored 9/23/2025
Cherfilus-McCormick
FL • D
Sponsored 9/23/2025
Rep. Sorensen, Eric [D-IL-17]
IL • D
Sponsored 9/23/2025
Scott (VA)
VA • D
Sponsored 9/30/2025
Rep. Tokuda, Jill N. [D-HI-2]
HI • D
Sponsored 9/30/2025
Thompson (MS)
MS • D
Sponsored 9/30/2025
Rep. Underwood, Lauren [D-IL-14]
IL • D
Sponsored 9/30/2025
Rep. Whitesides, George [D-CA-27]
CA • D
Sponsored 9/30/2025
Rep. Carbajal, Salud O. [D-CA-24]
CA • D
Sponsored 9/30/2025
Jackson (IL)
IL • D
Sponsored 9/30/2025
Rep. Leger Fernandez, Teresa [D-NM-3]
NM • D
Sponsored 9/30/2025
Riley (NY)
NY • D
Sponsored 9/30/2025
Rep. Huffman, Jared [D-CA-2]
CA • D
Sponsored 9/30/2025
Rep. Tlaib, Rashida [D-MI-12]
MI • D
Sponsored 9/30/2025
Rep. Olszewski, Johnny [D-MD-2]
MD • D
Sponsored 9/30/2025
Rep. Thanedar, Shri [D-MI-13]
MI • D
Sponsored 9/30/2025
Rep. Watson Coleman, Bonnie [D-NJ-12]
NJ • D
Sponsored 10/3/2025
Rep. Dean, Madeleine [D-PA-4]
PA • D
Sponsored 10/3/2025
Bonamici
OR • D
Sponsored 10/3/2025
Rep. Garamendi, John [D-CA-8]
CA • D
Sponsored 10/3/2025
Rep. Schneider, Bradley Scott [D-IL-10]
IL • D
Sponsored 10/3/2025
Rep. Frankel, Lois [D-FL-22]
FL • D
Sponsored 10/3/2025
Rep. Velázquez, Nydia M. [D-NY-7]
NY • D
Sponsored 10/3/2025
Rep. Bera, Ami [D-CA-6]
CA • D
Sponsored 10/3/2025
Rep. Lee, Summer L. [D-PA-12]
PA • D
Sponsored 10/3/2025
Thompson (CA)
CA • D
Sponsored 10/3/2025
Rep. Lieu, Ted [D-CA-36]
CA • D
Sponsored 10/3/2025
Norcross
NJ • D
Sponsored 10/3/2025
Rep. Titus, Dina [D-NV-1]
NV • D
Sponsored 10/3/2025
Rep. Latimer, George [D-NY-16]
NY • D
Sponsored 10/3/2025
Cuellar
TX • D
Sponsored 10/3/2025
Pelosi
CA • D
Sponsored 10/3/2025
Rep. Moulton, Seth [D-MA-6]
MA • D
Sponsored 10/3/2025
Sherrill
NJ • D
Sponsored 10/6/2025
Rep. Pocan, Mark [D-WI-2]
WI • D
Sponsored 10/6/2025
Himes
CT • D
Sponsored 10/10/2025
Rep. Lynch, Stephen F. [D-MA-8]
MA • D
Sponsored 10/10/2025
Ivey
MD • D
Sponsored 10/10/2025
Rep. Bell, Wesley [D-MO-1]
MO • D
Sponsored 10/10/2025
Rep. Bynum, Janelle S. [D-OR-5]
OR • D
Sponsored 10/10/2025
Rep. Takano, Mark [D-CA-39]
CA • D
Sponsored 10/10/2025
Rep. Dexter, Maxine [D-OR-3]
OR • D
Sponsored 10/10/2025
Smith (WA)
WA • D
Sponsored 10/14/2025
Rep. García, Jesús G. "Chuy" [D-IL-4]
IL • D
Sponsored 10/21/2025
Bishop
GA • D
Sponsored 10/21/2025
Rep. Sykes, Emilia Strong [D-OH-13]
OH • D
Sponsored 10/31/2025
Rep. Strickland, Marilyn [D-WA-10]
WA • D
Sponsored 10/31/2025
Rep. McClain Delaney, April [D-MD-6]
MD • D
Sponsored 10/31/2025
Cisneros
CA • D
Sponsored 10/31/2025
Rep. Magaziner, Seth [D-RI-2]
RI • D
Sponsored 11/18/2025
Grijalva
AZ • D
Sponsored 11/19/2025
Rep. Panetta, Jimmy [D-CA-19]
CA • D
Sponsored 12/10/2025
McGovern
MA • D
Sponsored 12/10/2025
Crockett
TX • D
Sponsored 1/15/2026
Rep. Torres, Norma J. [D-CA-35]
CA • D
Sponsored 4/9/2026
Casten
IL • D
Sponsored 4/9/2026
Rep. Menefee, Christian D. [D-TX-18]
TX • D
Sponsored 4/21/2026
Rep. Green, Al [D-TX-9]
TX • D
Sponsored 5/12/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov