S. 3385 · 119th Congress
Lower Health Care Costs Act
Where it stands
- Introduced Done · Dec 8, 2025
- Committee Not yet
- Passed Senate Not yet
- Passed House Not yet
- President Not yet
- Law Not yet
From the official actions on Congress.gov.
Key points
- What it changes
- A plain-language summary isn't ready yet. The official summary below describes the bill.
- Who it affects
- A plain-language summary isn't ready yet. The official summary below describes the bill.
- What it costs
- The Congressional Budget Office published a cost estimate on Dec 10, 2025 (as introduced in the Senate on December 8, 2025): Estimated Budgetary Effects of S. 3385, the Lower Health Care Costs Act ↗
- Where it stands
- 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 11, 2025)
- What happens next
- A committee would usually act on it before the full Senate votes.
Official summary
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.
Summary by the Congressional Research Service (Introduced in Senate version), via Congress.gov. These are proposed provisions, not enacted law.
Recorded votes
-
On the Cloture Motion: Cloture Motion Rejected (51–48)
This vote set how the bill is debated. It is not a vote for or against the bill.Votes by party
How each party voted on roll call 644 Party Yes No Present Did not vote Share voting Yes Democratic 45 0 0 0 Republican 4 48 0 1 Independent 2 0 0 0 Party totals from the official roll call.
Map: how each state voted
Each state is shaded by the share of its senators who voted Yes, out of those who voted Yes or No. Colors show the vote, not party.
U.S. Senate roll call vote (data via Voteview, UCLA) ↗ — includes how every member voted
Vote types come from the official question text. How we label votes
Legislative history
- 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)
- Dec 9, 2025Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)
- Dec 9, 2025Motion to proceed to consideration of measure made in Senate. (CR S8567)
- Dec 8, 2025Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.
- 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)
- Dec 8, 2025Introduced in Senate