H.R. 6421 — IMPACT Act of 2025

This section states congressional findings on the importance of affordable health care access, including stabilizing insurance markets to counter rising premiums, and reducing uncompensated care from uninsured patients to enhance provider stability.

This section expands eligibility for catastrophic health plans—ACA exchange plans with lower premiums, higher deductibles, and coverage limited to three primary care visits before the deductible—to individuals ineligible (or reasonably expected to be ineligible) for premium tax credits under IRC §36B or cost-sharing reductions under ACA §1402 due to household income (previously limited to those under age 30 or with a hardship exemption). The change applies to plan years beginning on or after six months after enactment.