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H.R. 4849

U.S. House•In House Committee

Summary

H.R. 4849, the Protecting Health Care and Lowering Costs Act of 2025, was introduced in the House on Aug 1, 2025 by Rep. Adam Gray (D) with 141 co-sponsors. It was referred to Ways And Means, and last saw action on Aug 1, 2025: Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Record

Text

H.R. 4849 has 141 co-sponsors.

hb4849/introduced-in-house.txt
119 HR 4849 IH: Protecting Health Care and Lowering Costs Act of 2025
 U.S. House of Representatives
 2025-08-01
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 4849  IN THE HOUSE OF REPRESENTATIVES   August 1, 2025   Mr. Gray  introduced the following bill; which was referred to the  Committee on Ways and Means , and in addition to the Committee on  Energy and Commerce , for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned   A BILL
To repeal health-related portions of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14, and for other purposes.
1.
Short title
This Act may be cited as the   Protecting Health Care and Lowering Costs Act of 2025  .
2.
Repeal of reconciliation health provisions
Subtitle B of title VII of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14 ( Public Law 119–21 ) is repealed and any law or regulation referred to in such subtitle shall be applied as if such subtitle and the amendments made by such subtitle had not been enacted.
3.
Increase in eligibility for premium tax credit
(a)
In general
Subparagraph (A) of  section 36B(c)(1)  of the Internal Revenue Code of 1986 is amended by striking  but does not exceed 400 percent .
(b)
Applicable percentages
(1)
In general
Subparagraph (A) of  section 36B(b)(3)  of the Internal Revenue Code of 1986 is amended to read as follows:
(A)
Applicable percentage
The applicable percentage for any taxable year shall be the percentage such that the applicable percentage for any taxpayer whose household income is within an income tier specified in the following table shall increase, on a sliding scale in a linear manner, from the initial premium percentage to the final premium percentage specified in such table for such income tier:
  In the case of household income  (expressed as a percent of poverty line)  within the following income tier:  The initial premium percentage is—  The final premium percentage is—
  Up to 150 percent  0  0
  150 percent up to 200 percent  0  2.0
  200 percent up to 250 percent  2.0  4.0
  250 percent up to 300 percent  4.0  6.0
  300 percent up to 400 percent  6.0  8.5
  400 percent and higher  8.5  8.5.
 .
(2)
Conforming amendments relating to affordability of coverage
(A)
Paragraph (1) of section 36B(c) of such Code is amended by striking subparagraph (E).
(B)
Subparagraph (C) of section 36B(c)(2) of such Code is amended by striking clause (iv).
(C)
Paragraph (4) of section 36B(c) of such Code is amended by striking subparagraph (F).
(c)
Effective date
The amendments made by this section shall apply to taxable years beginning after December 31, 2025.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-08-01
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

CRS Summary

The summaries are the Congressional Research Service’s, one per stage. Read them in full.

Introduced in House Aug 1, 2025

hb4849/introduced-in-house.md

Shown Here:
Introduced in House (08/01/2025)

Protecting Health Care and Lowering Costs Act 2025

This bill makes permanent temporary provisions that generally expand eligibility for and increase the amount of the premium tax credit. This bill also repeals multiple Medicaid, Medicare, and health-related tax provisions enacted by the One Big Beautiful Bill Act (OBBBA).

Currently, eligible taxpayers may claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To qualify, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the maximum income limit is eliminated, which generally expands eligibility for the premium tax credit.

Further, under current law, the amount of the premium tax credit is partially based on the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the applicable percentages are lowered and the adjustment of the applicable percentages for inflation is eliminated, which generally increases the amount of the premium tax credit.

The bill permanently eliminates the 400% maximum income limit, lowers the applicable percentages, and eliminates the inflation adjustment for the applicable percentages.

Finally, the bill repeals multiple Medicaid, Medicare, and health-related tax provisions enacted by the OBBBA, including

  • certain Medicare and Medicare eligibility and verification requirements,
  • the reduced window for retroactive Medicaid coverage, and
  • premium tax credit verification requirements.

Sponsors

Rep. Adam Gray (D) sponsors H.R. 4849, and 141 members have co-sponsored it.

Committees

H.R. 4849 went before 2 committees: Energy and Commerce and Ways and Means.

Energy and Commerce
Energy and Commerce
Referred To · Aug 1, 2025 · 1,636 Bills
Ways and Means
Ways and Means
Referred To · Aug 1, 2025 · 1,160 Bills

Actions

H.R. 4849 has taken 2 actions since Aug 1, 2025.

ChamberAction
Aug 1, 2025
House
Introduced in House
Aug 1, 2025
House
Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.Ways and Means Committee

Votes

H.R. 4849 has not gone to a roll call.

5 bills are related to H.R. 4849.

Titles

H.R. 4849 goes by 3 titles, 1 of them short titles.

  • Protecting Health Care and Lowering Costs Act of 2025 — Display Title
  • Protecting Health Care and Lowering Costs Act of 2025 — Short Title(s) as Introduced
  • To repeal health-related portions of An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14, and for other purposes. — Official Title as Introduced

Lobbying

20 clients hired 19 firms and 124 registered lobbyists who named H.R. 4849 in 62 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Health Issues, Budget/Appropriations, Labor Issues/Antitrust/Workplace, Education, Taxation/Internal Revenue Code, Medicare/Medicaid, Government Issues, Immigration.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
SERVICE EMPLOYEES INTERNATIONAL UNION CTW-CLC—District of Columbia15—
VALLEY CHILDREN'S HEALTHCAREChildren's hospitalCalifornia14$120K
NATIONAL LEAGUE FOR NURSINGNational health care associationDistrict of Columbia14$114.6K
NATIONAL ASSOCIATION OF PEDIATRIC NURSE PRACTITIONERSNational professional association for pediatric nurse practitionersNew Jersey14$96K
AMERICAN FEDERATION OF TEACHERS—District of Columbia14—
AMERICAN MEDICAL ASSOCIATION—District of Columbia14—
AMERICAN NURSES ASSOCIATION—Maryland14—
AMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATION—Maryland14—
HADASSAH, THE WOMEN'S ZIONIST ORGANIZATION OF AMERICA, INC.—New York14—
NATIONAL COMMITTEE TO PRESERVE SOCIAL SECURITY AND MEDICARE—District of Columbia14—
NATIONAL COUNCIL OF JEWISH WOMEN—District of Columbia14—
P STREET PROJECT, INC.P Street advocates bold progressive solutions to the nations most pressing problems.District of Columbia14—
AMERICAN FEDERATION OF STATE COUNTY AND MUNICIPAL EMPLOYEES—District of Columbia13—
ECONOMIC SECURITY PROJECT ACTION, INC. AND ITS AFFILIATES—New York13—
SOUTHERN POVERTY LAW CENTER, INC.501c3 NFP focusing on civil rightsAlabama12—
CONFERENCE OF PROVINCIALS OF NORTH AMERICA—Missouri11$20K
AMERICAN CIVIL LIBERTIES UNION—District of Columbia11—
COMMUNICATIONS WORKERS OF AMERICA—District of Columbia11—
NATIONAL WOMEN'S LAW CENTER ACTION FUNDsocial welfare organization to promote equal rights and opportunities for womenDistrict of Columbia11—
PLANNED PARENTHOOD FEDERATION OF AMERICA INC—District of Columbia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
MASON CONSULTING, LLC28$210.6K
SERVICE EMPLOYEES INTERNATIONAL UNION CTW-CLC15—
AMERICAN FEDERATION OF TEACHERS14—
AMERICAN MEDICAL ASSOCIATION14—
AMERICAN NURSES ASSOCIATION14—
AMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATION14—
BROWNSTEIN HYATT FARBER SCHRECK, LLP14$120K
HADASSAH, THE WOMEN'S ZIONIST ORGANIZATION OF AMERICA, INC.14—
NATIONAL COMMITTEE TO PRESERVE SOCIAL SECURITY AND MEDICARE14—
NATIONAL COUNCIL OF JEWISH WOMEN14—
P STREET PROJECT, INC.14—
AMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES13—
ECONOMIC SECURITY PROJECT ACTION, INC. AND ITS AFFILIATES13—
SOUTHERN POVERTY LAW CENTER, INC.12—
AMERICAN CIVIL LIBERTIES UNION11—
COMMUNICATIONS WORKERS OF AMERICA11—
NATIONAL ADVOCACY CENTER OF THE SISTERS OF THE GOOD SHEPHERD11$20K
NATIONAL WOMEN'S LAW CENTER ACTION FUND11—
PLANNED PARENTHOOD FEDERATION OF AMERICA, INC.11—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 124.

LobbyistFirmsClientsFilings
GLEN MASON128
DALEN HARRIS115
ISAIAH WILSON115
JOHN GRAY115
SARAH HEYDEMANN115
AARON STEPHENS114
ALEXIS PIERCE114
ALEX LEHMAN114
ANDREW WANKUM114
ANNE MONTGOMERY114
ASHLEY DELOSH114
BRYAN HULL114
CAROLINE BERGNER114
CHRISTOPHER SHERIN114
DAN ADCOCK114
DANA LICHTENBERG114
DARCY HIRSH114
DEEMA TARAZI114
EARL HADLEY114
ELIZABETH CULLEN114

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
AMERICAN MEDICAL ASSOCIATIONAMERICAN MEDICAL ASSOCIATION2026 first_quarter$8M1st Quarter - Amendme…
AMERICAN MEDICAL ASSOCIATIONAMERICAN MEDICAL ASSOCIATION2026 first_quarter$8M1st Quarter - Report
AMERICAN MEDICAL ASSOCIATIONAMERICAN MEDICAL ASSOCIATION2025 fourth_quarter$5.5M4th Quarter - Report
AMERICAN MEDICAL ASSOCIATIONAMERICAN MEDICAL ASSOCIATION2025 third_quarter$4.6M3rd Quarter - Report
AMERICAN FEDERATION OF STATE COUNTY AND MUNICIPAL EMPLOYEESAMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES2025 third_quarter$750K3rd Quarter - Report
AMERICAN FEDERATION OF STATE COUNTY AND MUNICIPAL EMPLOYEESAMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES2025 fourth_quarter$700K4th Quarter - Amendme…
AMERICAN FEDERATION OF STATE COUNTY AND MUNICIPAL EMPLOYEESAMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES2025 fourth_quarter$690K4th Quarter - Report
AMERICAN FEDERATION OF TEACHERSAMERICAN FEDERATION OF TEACHERS2026 first_quarter$490K1st Quarter - Report
SOUTHERN POVERTY LAW CENTER, INC.SOUTHERN POVERTY LAW CENTER, INC.2026 first_quarter$450K1st Quarter - Report
AMERICAN FEDERATION OF TEACHERSAMERICAN FEDERATION OF TEACHERS2025 fourth_quarter$450K4th Quarter - Report
COMMUNICATIONS WORKERS OF AMERICACOMMUNICATIONS WORKERS OF AMERICA2026 second_quarter$431K2nd Quarter - Report
AMERICAN FEDERATION OF TEACHERSAMERICAN FEDERATION OF TEACHERS2025 third_quarter$430K3rd Quarter - Report
AMERICAN FEDERATION OF TEACHERSAMERICAN FEDERATION OF TEACHERS2026 second_quarter$410K2nd Quarter - Report
AMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATIONAMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATION2025 fourth_quarter$400K4th Quarter - Report
AMERICAN CIVIL LIBERTIES UNIONAMERICAN CIVIL LIBERTIES UNION2025 third_quarter$400K3rd Quarter - Report
AMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATIONAMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATION2026 first_quarter$360K1st Quarter - Report
SERVICE EMPLOYEES INTERNATIONAL UNION CTW-CLCSERVICE EMPLOYEES INTERNATIONAL UNION CTW-CLC2026 second_quarter$300K2nd Quarter - Report
AMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATIONAMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATION2025 third_quarter$290K3rd Quarter - Report
AMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATIONAMERICAN SPEECH-LANGUAGE-HEARING ASSOCIATION2026 second_quarter$280K2nd Quarter - Report
AMERICAN NURSES ASSOCIATIONAMERICAN NURSES ASSOCIATION2026 second_quarter$270K2nd Quarter - Report

Classification

The Congressional Research Service files H.R. 4849 under Taxation, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 4849’s is Taxation.

hr4849/policy-areas.txt
TaxationAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesFinance and Financial SectorForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTransportation and Public WorksWater Resources Development

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 4849, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 133 (Friday, August 1, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. GRAY:H.R. 4849.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 1.All legislative powers herein granted shall be vested in aCongress of the United States, which shall consist of aSenate and House of Representatives.[Page H3674]

Source: congress.gov · legiscan.com