Short title

This Act may be cited as the

Improved Medical Patients Affordable Care Today Act of 2025

or the

IMPACT Act of 2025

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.

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.