United States 119th Congress Status: In Committee 1 D cosponsors

S 3385 — Lower Health Care Costs Act

Last action — Cloture on the motion to proceed to the measure not invoked in Senate by Yea-Nay Vote. 51 - 48. Record Vote Number: 644. (CR S8654-8655)

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced December 08, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Stalled 4% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 D).

  • Failed a recorded vote

    Failed 1 recorded vote so far — a real headwind.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Lower Health Care Costs ActThis bill extends for three years, through 2028, temporary changes enacted by the American Rescue Plan Act of 2021 (ARPA) and the Inflation Reduction Act of 2022 (IRA) that generally expand eligibility for and increase the amount of the premium tax credit. Currently, eligible taxpayers may be able to claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To be eligible for the premium tax credit, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the ARPA and IRA eliminated the maximum income limit, which generally expands eligibility for the premium tax credit.Further, under current law, the amount of the premium tax credit is (1) generally the plan premium (conditions apply), minus (2) the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage is a specific percentage that varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the ARPA and IRA lowered the applicable percentages and eliminated the adjustment of the applicable percentages for inflation, which generally increases the amount of the premium tax credit.The bill extends for three years, through 2028, the elimination of the 400% maximum income limit, the lower applicable percentages, and the elimination of the inflation adjustment for the applicable percentages.

Bill Text

  • Placed on Calendar Senate View text Current html December 08, 2025

How this bill changes current law

4 changes Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

The bill extends the enhancement period for the health care premium tax credit from 2025 to 2028.

  • 36B(b)(3)(A)

    through 2025 → through 2028

    This change extends the duration for which the premium assistance amounts are increased.

  • 36B(b)(3)(A)

    before January 1, 2026 → before January 1, 2029

    This change allows the enhancements to the premium tax credit to be effective until 2029.

  • 36B(c)(1)(E)

    through 2025 → through 2028

    This update allows taxpayers with household income exceeding 400 percent of the poverty line to benefit from the credit until 2028.

  • 36B(c)(1)(E)

    before January 1, 2026 → before January 1, 2029

    This change extends eligibility for the premium tax credit for higher-income taxpayers through 2029.

Action History

  1. Cloture on the motion to proceed to the measure not invoked in Senate by Yea-Nay Vote. 51 - 48. Record Vote Number: 644. (CR S8654-8655)

  2. Motion to proceed to consideration of measure made in Senate. (CR S8567)

  3. Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)

  4. Introduced in Senate

  5. Introduced in the Senate. Read the first time. Placed on Senate Legislative Calendar under Read the First Time. (Legislative Day December 4, 2025). (text: CR S8530-8531)

  6. Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 0 co-sponsors · 546 not signed on · 47 voted No

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (546)

546 members have not signed on to this bill.

Show all 546 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

On the Cloture Motion S. 3385

Failed 51 Yea · 48 Nay · 1 Other
Party YeaNayPresentNot Voting
Democratic 41000
Republican 44701
Unaffiliated 4100
Independent 2000
Total 514801
% of votes cast 51%48%0%1%
How each member voted (100)
Member Party Vote
Blunt Rochester (D-DE) — Yea
Cortez Masto (D-NV) — Yea
Lujan (D-NM) — Yea
Mullin (R-OK) — Nay
Van Hollen (D-MD) — Yea
Alsobrooks, Angela D. Democratic Yea
Baldwin, Tammy Democratic Yea
Bennet, Michael F. Democratic Yea
Blumenthal, Richard Democratic Yea
Booker, Cory A. Democratic Yea
Cantwell, Maria Democratic Yea
Coons, Christopher A. Democratic Yea
Duckworth, Tammy Democratic Yea
Durbin, Richard J. Democratic Yea
Fetterman, John Democratic Yea
Gallego, Ruben Democratic Yea
Gillibrand, Kirsten E. Democratic Yea
Hassan, Margaret Wood Democratic Yea
Heinrich, Martin Democratic Yea
Hickenlooper, John W. Democratic Yea
Hirono, Mazie K. Democratic Yea
Kaine, Tim Democratic Yea
Kelly, Mark Democratic Yea
Kim, Andy Democratic Yea
Klobuchar, Amy Democratic Yea
Markey, Edward J. Democratic Yea
Merkley, Jeff Democratic Yea
Murphy, Christopher Democratic Yea
Murray, Patty Democratic Yea
Ossoff, Jon Democratic Yea
Padilla, Alex Democratic Yea
Peters, Gary C. Democratic Yea
Reed, Jack Democratic Yea
Rosen, Jacky Democratic Yea
Schatz, Brian Democratic Yea
Schiff, Adam B. Democratic Yea
Schumer, Charles E. Democratic Yea
Shaheen, Jeanne Democratic Yea
Slotkin, Elissa Democratic Yea
Smith, Tina Democratic Yea
Warner, Mark R. Democratic Yea
Warnock, Raphael G. Democratic Yea
Warren, Elizabeth Democratic Yea
Welch, Peter Democratic Yea
Whitehouse, Sheldon Democratic Yea
Wyden, Ron Democratic Yea
King, Angus S., Jr. Independent Yea
Sanders, Bernard Independent Yea
Banks, Jim Republican Nay
Barrasso, John Republican Nay
Blackburn, Marsha Republican Nay
Boozman, John Republican Nay
Britt, Katie Boyd Republican Nay
Budd, Ted Republican Nay
Capito, Shelley Moore Republican Nay
Cassidy, Bill Republican Nay
Collins, Susan M. Republican Yea
Cornyn, John Republican Nay
Cotton, Tom Republican Nay
Cramer, Kevin Republican Nay
Crapo, Mike Republican Nay
Cruz, Ted Republican Nay
Curtis, John R. Republican Nay
Daines, Steve Republican Not Voting
Ernst, Joni Republican Nay
Fischer, Deb Republican Nay
Graham, Lindsey Republican Nay
Grassley, Chuck Republican Nay
Hagerty, Bill Republican Nay
Hawley, Josh Republican Yea
Hoeven, John Republican Nay
Husted, Jon Republican Nay
Hyde-Smith, Cindy Republican Nay
Johnson, Ron Republican Nay
Justice, James C. Republican Nay
Kennedy, John Republican Nay
Lankford, James Republican Nay
Lee, Mike Republican Nay
Lummis, Cynthia M. Republican Nay
Marshall, Roger Republican Nay
McConnell, Mitch Republican Nay
McCormick, David Republican Nay
Moody, Ashley Republican Nay
Moran, Jerry Republican Nay
Moreno, Bernie Republican Nay
Murkowski, Lisa Republican Yea
Paul, Rand Republican Nay
Ricketts, Pete Republican Nay
Risch, James E. Republican Nay
Rounds, Mike Republican Nay
Schmitt, Eric Republican Nay
Scott, Rick Republican Nay
Scott, Tim Republican Nay
Sheehy, Tim Republican Nay
Sullivan, Dan Republican Yea
Thune, John Republican Nay
Tillis, Thomas Republican Nay
Tuberville, Tommy Republican Nay
Wicker, Roger F. Republican Nay
Young, Todd Republican Nay

Subjects

taxation healthcare health-insurance
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Frequently asked questions

What does S 3385 do?
Lower Health Care Costs ActThis bill extends for three years, through 2028, temporary changes enacted by the American Rescue Plan Act of 2021 (ARPA) and the Inflation Reduction Act of 2022 (IRA) that generally expand eligibility for and increase the amount of the premium tax credit. Currently, eligible taxpayers may be able to claim the premium tax credit, which applies toward the cost of obtaining health insurance through health insurance exchanges. To be eligible for the premium tax credit, a taxpayer’s household income must meet or exceed 100% of the federal poverty level (FPL) and, after 2025, may not exceed 400% of the FPL (maximum income limit). For 2021-2025, the ARPA and IRA eliminated the maximum income limit, which generally expands eligibility for the premium tax credit.Further, under current law, the amount of the premium tax credit is (1) generally the plan premium (conditions apply), minus (2) the taxpayer’s household income multiplied by the applicable percentage. The applicable percentage is a specific percentage that varies depending on which of six income ranges (adjusted for inflation after 2025) the taxpayer’s household income falls within. For 2021-2025, the ARPA and IRA lowered the applicable percentages and eliminated the adjustment of the applicable percentages for inflation, which generally increases the amount of the premium tax credit.The bill extends for three years, through 2028, the elimination of the 400% maximum income limit, the lower applicable percentages, and the elimination of the inflation adjustment for the applicable percentages.
Who sponsors S 3385?
S 3385 is sponsored by Schumer, Charles E. (Democratic).
What is the current status of S 3385?
This bill is in committee in the Senate. Introduced December 08, 2025. It must pass committee before a floor vote.
Where can I track S 3385?
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