H.R. 6421

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6421 Introduced in House (IH)]

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119th CONGRESS
1st Session
H. R. 6421

To amend the Patient Protection and Affordable Care Act to expand 
eligibility for catastrophic plans.

_______________________________________________________________________

IN THE HOUSE OF REPRESENTATIVES

December 4, 2025

Mr. Miller of Ohio (for himself and Mr. Smucker) introduced the 
following bill; which was referred to the Committee on Energy and 
Commerce

_______________________________________________________________________

A BILL

To amend the Patient Protection and Affordable Care Act to expand 
eligibility for catastrophic plans.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Improved Medical Patients Affordable 
Care Today Act of 2025'' or the ``IMPACT Act of 2025''.

SEC. 2. FINDINGS.

Congress finds the following:
(1) Accessing affordable quality health care is paramount 
to the citizens of our Nation, including the ability to obtain 
critical medical services while maintaining lower premium 
structures designed for financial accessibility.
(2) Addressing major affordability issues impacting access 
to care in a landscape of increasing healthcare costs is of 
utmost importance, including stabilizing insurance markets 
countering the cycle of rising premiums.
(3) Enhancing provider stability by reducing uncompensated 
care resulting from uninsured patients is critical to the 
continued strength of our Nation's health care systems.

SEC. 3. EXPANDING ELIGIBILITY FOR CATASTROPHIC PLANS.

(a) In General.--Section 1302(e)(2) of the Patient Protection and 
Affordable Care Act (42 U.S.C. 18022(e)(2)) is amended--
(1) in subparagraph (B)(ii), by striking the period at the 
end and inserting ``; or''; and
(2) by adding at the end the following new subparagraph:
``(C) with respect to the plan year involved, is 
determined to be ineligible (or reasonably expects to 
be ineligible) for the premium tax credit under section 
36B of the Internal Revenue Code of 1986 or for reduced 
cost-sharing under section 1402 on the basis of the 
individual's household income for such year.''.
(b) Effective Date.--The amendments made by this section shall 
apply with respect to plan years beginning on or after six months of 
enactment.
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