S. 3385 · 119th Congress

Lower Health Care Costs Act

Introduced on Dec 8, 2025 by Charles E. Schumer (D-NY). Latest action (Dec 11, 2025): 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)

Stage
Introduced
Introduced
Dec 8, 2025
Cosponsors
0
Policy area
Taxation
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Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

A bill to amend the Internal Revenue Code of 1986 to extend the enhancement of the health care premium tax credit.

Subjects

  • Health care costs and insurance
  • Health care coverage and access
  • Income tax credits
  • Inflation and prices
  • Tax administration and collection, taxpayers

Summary

By the Congressional Research Service (Introduced in Senate, Dec 8, 2025). Public domain.

Lower Health Care Costs Act

This 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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Charles E. SchumerD-NYSponsor

No cosponsors.

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

  1. On the Cloture Motion
    Dec 11, 2025· Senate· Cloture· Cloture Motion Rejected 51–48

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Dec 8, 2025Introduced in Senate
  2. Dec 8, 2025 · SenateIntroduced 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)
  3. Dec 8, 2025 · SenateRead the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.
  4. Dec 9, 2025 · SenateMotion to proceed to consideration of measure made in Senate. (CR S8567)
  5. Dec 9, 2025 · SenateCloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)
  6. Dec 11, 2025 · SenateCloture 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)Senate · Roll call 644

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC)4 reports
    $30K reported (all issues)Federal contractor: HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY$16M in contracts, FY2026AI match · 100%
  2. Association of American Medical Colleges3 reports
    $2.1M reported (all issues)Federal contractor: ASSOCIATION OF AMERICAN MEDICAL COLLEGESAI match · 100%
  3. HIGHMARK INC.3 reports
    $650K reported (all issues)
  4. HUMAN RIGHTS CAMPAIGN3 reports
    $614.2K reported (all issues)
  5. P Street Project, Inc.3 reports
    $40K reported (all issues)
  6. Planned Parenthood Federation of America, Inc.3 reports
    $94K reported (all issues)
  7. American Medical Association2 reports
    $13.5M reported (all issues)Federal contractor: AMERICAN MEDICAL ASSOCIATION$371K in contracts, FY2026AI match · 99%
  8. Banner Health2 reports
    $60K reported (all issues)Federal contractor: BANNER HEALTH$2.6M in contracts, FY2026AI match · 100%
  9. Economic Security Project Action2 reports
    $190K reported (all issues)
  10. Friends Committee on National Legislation2 reports
    $2M reported (all issues)
  11. Healthcare Leadership Council2 reports
    $400K reported (all issues)
  12. AFL-CIO1 report
    $760K reported (all issues)Federal contractor: AFL-CIO WORKING FOR AMERICA INSTITUTE, INC. (THE)AI match · 92%
  13. AMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES1 report
    $700K reported (all issues)
  14. American Civil Liberties Union1 report
    $520K reported (all issues)
  15. CENTER ON BUDGET AND POLICY PRIORITIES1 report
    $110K reported (all issues)
  16. COMMUNICATIONS WORKERS OF AMERICA1 report
    $457K reported (all issues)
  17. FEDERATION OF AMERICAN HOSPITALS1 report
  18. Heritage Action for America1 report
    $20K reported (all issues)
  19. KAISER FOUNDATION HEALTH PLAN INC.1 report
    $730K reported (all issues)Federal contractor: KAISER FOUNDATION HEALTH PLAN OF WASHINGTONAI match · 97%
  20. NATIONAL NURSES UNITED1 report
    $130K reported (all issues)
  21. National Right Life Committee1 report
    $20.9K reported (all issues)
  22. PLANNED PARENTHOOD ACTION FUND INC.1 report
    $7,513 reported (all issues)
  23. REPRODUCTIVE FREEDOM FOR ALL1 report
    $50K reported (all issues)
  24. Susan B Anthony List1 report
    $420K reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 10, 2026 · loaded Oct 10, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 10, 2026 · loaded Oct 10, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.