Congress·In Committee·H.R. 6421

IMPACT Act of 2025

Health Insurance: Expanding Access to Catastrophic Plans

Dec 4, 2025·View on Congress.gov·Read full text

This bill is one vehicle in a longer effort. See the full story across every version.View effort →

Next up: A house committeeNo action in 7 months

The IMPACT Act of 2025 is currently sitting in the House Committee on Energy and Commerce. No action has been taken on this bill since December 2025, which means it has been stalled for seven months. The bill must be reviewed by this committee before it can move any further in the legislative process.

Legislative Progress

House

Senate

President

Law

Unlikely to pass

While this bill offers a lower-cost insurance option, changes to the health care law are highly partisan and often struggle to pass in the Senate.

How we got here

This bill’s path across every version that has carried it.

Reintroduced
Reintroduced from H.R. 7685 (118th), which died when its Congress ended.
H.R. 7685 (118th) →

Key Points

This bill allows more people to buy catastrophic health insurance plans. Currently, these plans are mostly limited to people under 30 or those facing extreme financial hardship. The new rule would let older adults buy them if they do not qualify for government tax credits.
The change targets people who make too much money to get federal help paying for their insurance. It gives them a cheaper option with lower monthly payments, though they will have to pay more out of pocket for most medical visits before their insurance kicks in.
Catastrophic plans still cover essential benefits like emergency room visits and some preventive care. By making these plans available to more people, the bill aims to help those who are currently priced out of the insurance market and have no coverage at all.
If this bill becomes law, the new eligibility rules would start for health insurance plans beginning six months after it is signed.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

2 milestones2 actions

Dec 4, 2025House

Referred to the House Committee on Energy and Commerce.

Dec 4, 2025

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes, news coverage, or related bills recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

IMPACT Act of 2025

Bill NumberHR 6421

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the House Committee on Energy and Commerce.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(1)

R: 1

Analysis generated by AI. Always verify with official sources.