Protecting Health Care and Lowering Costs Act of 2025

This bill, known as the "Protecting Health Care and Lowering Costs Act of 2025," aims to enhance health care affordability and access. It specifically repeals Subtitle B of title VII of Public Law 119-21 , which contained health-related provisions from a prior reconciliation act, effectively rolling back those measures. A key provision of this legislation is the significant expansion of eligibility for the premium tax credit . It removes the previous income cap of 400 percent of the federal poverty line , allowing individuals with higher incomes to qualify for assistance. Furthermore, the bill revises the applicable percentages used to calculate these credits, introducing a new sliding scale that caps premium costs at 8.5% of income for those at or above 400% of the poverty line, thereby reducing out-of-pocket expenses for a wider population.