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S 3385 119th Congress Senate Taxation Health care costs and insurance Health care coverage and access Income tax credits Inflation and prices Tax administration and collection, taxpayers

Lower Health Care Costs Act

Introduced: December 8, 2025 Introduced by: Schumer, Charles E. Democratic · New York See on congress.gov
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 Everywhere this bill has been 6 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
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)
Dec 9, 2025
Motion to proceed to consideration of measure made in Senate. (CR S8567)
Dec 9, 2025
Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)
Dec 8, 2025
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)
Dec 8, 2025
Introduced in Senate
Dec 8, 2025
Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
Dec 11, 2025 Senate · vote #644 On the Cloture Motion S. 3385 Rejected 51–48 See who voted →
 Amendments to this bill 2
AmendmentSponsorPurposeStatusLatest action
SAMDT 3,967 Sullivan, Dan — Pending —
SAMDT 3,959 Collins, Susan M. — Pending —
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 Plain-English summary Congressional Research Service

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.

What's happening now December 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)

 Related & companion bills 1
  • HR 5145 Related bill Bipartisan Premium Tax Credit Extension Act
 Bill text 2 versions

Source documents hosted by congress.gov.

 Lobbying activity 37

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

See all 37 filings →
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APA
U.S. Congress. (2026). S. 3385: Lower Health Care Costs Act. 119th Congress. Open America. https://openamerica.io/bill/119-S-3385/
MLA
"S. 3385: Lower Health Care Costs Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-3385/.
Bluebook (legal)
S. 3385, 119th Cong. (2026), https://openamerica.io/bill/119-S-3385/.
Markdown link
[S. 3385: Lower Health Care Costs Act](https://openamerica.io/bill/119-S-3385/)
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