The IMPACT Act of 2025 would expand who can buy catastrophic health insurance plans under the Affordable Care Act. Currently, catastrophic plans are only available to people under age 30 or those granted a hardship exemption. This bill would allow additional people to purchase these lower-premium plans if they expect to be ineligible for federal tax credits or cost-sharing assistance based on their household income. The legislation would take effect for health insurance plans beginning six months after the bill is enacted. The bill aims to make health insurance more affordable and accessible while reducing the burden of uncompensated care on hospitals and providers.
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