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To amend the Patient Protection and Affordable Care Act to expand eligibility for catastrophic plans.
Summary
The bill amends the Affordable Care Act to expand eligibility for catastrophic health plans to include people whose household income makes them ineligible for federal premium subsidies or cost-sharing assistance. Currently, catastrophic plans are primarily available only to people under age 30 or those granted hardship exemptions. This expansion would allow higher-income individuals who do not qualify for financial assistance to purchase catastrophic plans with lower premiums and higher deductibles. The changes would take effect within six months of the bill's enactment for plan years beginning after that date.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Rep. Miller, Max L. [R-OH-7] (R-OH)
1 cosponsor
Actions (2)
- Dec 4, 2025 Referred to the House Committee on Energy and Commerce. · house
- Dec 4, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
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. <all>
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