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119th Congress Taxation

S. 3385: Lower Health Care Costs Act

Introduced

  1. Introduced (completed)Dec 8, 2025
  2. Passed Senate (not reached)
  3. Passed House (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Introduced in Senate, Dec 8, 2025

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.

Read the full summary

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.

Written by the Congressional Research Service, Library of Congress.

Roll calls

1 vote on this bill

Showing 1 of 1 roll calls

  • Dec 11, 2025SenateClotureFailed, yea-nay 51–48
    Roll call 644 tally by party
    PartyYeaNayPresentNot voting
    Democrats45000
    Republicans44801
    Independents2000
    Total514801

    Senate roll call 644: On the Cloture Motion. Cloture Motion Rejected.

    4 crossed party lines: 4 Republicans

    How each member voted (100)

Amendments

2 offered

Showing 2 of 2 amendments

Who scored on this bill

28 points earned
  1. 1Susan Collins R-ME1 maverick vote; 1 amendment offered2 events+8
  2. 1Dan Sullivan R-AK1 maverick vote; 1 amendment offered2 events+8
  3. 3Joshua Hawley R-MO1 maverick vote1 event+6
  4. 3Lisa Murkowski R-AK1 maverick vote1 event+6
See all scorers and every scoring event

Introductions and cosponsorships count toward weekly caps and show no points.

Other bills by Charles Schumer

History

  1. Dec 8, 2025Introduced in the Senate by Charles Schumer.
Show the full action history (6 actions)
  1. Dec 11, 2025Cloture 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. Dec 9, 2025Motion to proceed to consideration of measure made in Senate. (CR S8567)
  3. Dec 9, 2025Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)
  4. Dec 8, 2025Introduced in Senate
  5. Dec 8, 2025Introduced 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. Dec 8, 2025Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.