IMPACT Act of 2025

This legislative proposal seeks to modify the Patient Protection and Affordable Care Act (ACA) by broadening the eligibility criteria for catastrophic health plans . Currently, these plans are primarily available to individuals under 30 or those with specific hardship exemptions, offering lower premiums in exchange for higher deductibles. The bill introduces a new pathway for eligibility, allowing individuals who are determined to be, or reasonably expect to be, ineligible for federal premium tax credits or cost-sharing reductions under the ACA due to their household income to enroll. This expansion aims to provide more affordable, lower-premium health insurance options for consumers who do not qualify for subsidies, thereby addressing affordability concerns and potentially stabilizing insurance markets.