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HR6421119th CongressWALLET

IMPACT Act of 2025

Sponsored By: Representative Miller, Max L. [R-OH-7]

Introduced

Summary

Expands eligibility for catastrophic plans. This bill would tie catastrophic plan eligibility to whether someone is expected to be ineligible for the premium tax credit or for reduced cost-sharing for the same plan year because of household income. That aligns the catastrophic eligibility test with plan-year income expectations and could let people who expect to lack tax credits or cost reductions choose catastrophic coverage. The change would apply to plan years beginning six months after enactment.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

More catastrophic plans for higher-income people

If enacted, you would be able to qualify for a catastrophic health plan for a plan year if you are determined (or reasonably expect to be determined) ineligible for the premium tax credit under IRC section 36B because of your household income. The same would apply if you are ineligible (or reasonably expect to be ineligible) for reduced cost-sharing under section 1402 for that plan year. This would apply to plan years beginning six months after enactment. Catastrophic plans may have different premiums, deductibles, and covered services than other marketplace plans.

Sponsors & CoSponsors

Sponsor

Miller, Max L. [R-OH-7]

OH • R

Cosponsors

  • Rep. Smucker, Lloyd [R-PA-11]

    PA • R

    Sponsored 12/4/2025

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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