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H.R. 6421 (119th Congress)Committee
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IMPACT Act of 2025

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Summary

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The IMPACT Act of 2025 amends the Affordable Care Act to expand eligibility for catastrophic health insurance plans. Currently, catastrophic plans are available only to individuals under age 30 and certain hardship cases; this bill would also allow individuals who are ineligible for premium tax credits or cost-sharing reductions based on their household income to purchase catastrophic coverage. The change takes effect for plan years beginning six months after enactment.

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