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S 3385
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Lower Health Care Costs Act

S. 3385 To amend the Internal Revenue Code of 1986 to extend the enhancement of the health care premium tax credit.

Introduced Dec 8, 2025

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)

Policy area
Taxation
Issues
Economy & TaxesHealthcare
Legislative subjects (5)
Health care costs and insuranceHealth care coverage and accessIncome tax creditsInflation and pricesTax administration and collection, taxpayers

Summary

This bill extends health care premium tax credit enhancements through 2028. The enhancements, which are currently set to expire at the end of 2025, include increased federal subsidies for people purchasing health insurance through the marketplace and expanded eligibility to people with household incomes above 400 percent of the poverty line. The bill changes the expiration date of these provisions from January 1, 2026 to January 1, 2029. The changes apply to taxable years beginning after December 31, 2025.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)

Actions (6)
  1. 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) · senate
  2. Dec 9, 2025 Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567) · senate
  3. Dec 9, 2025 Motion to proceed to consideration of measure made in Senate. (CR S8567) · senate
  4. Dec 8, 2025 Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284. · senate
  5. 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) · senate
  6. Dec 8, 2025 Introduced in Senate

How your representatives voted

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Roll-call votes (1)

How the chamber voted on this bill — the outcome, the tally by party, and every member's recorded position. A factual record.

  • On the Cloture MotionCloture Motion Rejected
    Senate · Roll call 644 · Dec 11, 2025

    51 Yea · 48 Nay · 1 Not voting

    • Democrats4Yea0Nay
    • Republicans0Yea3Nay
    • Independents1Yea0Nay

    The party tally and member list below cover the 8 of 100 positions we've recorded so far; the outcome above is the official chamber result.

    See how each member voted (8)

    Yea(5)

    Nay(3)

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • HR 191 — Inflation Reduction Act of 2025 (shares 5 subjects)
  • HR 1654 — CUTS Act (shares 4 subjects)
  • HR 7314 — Advancing Commonsense Policies Act (shares 3 subjects)
  • S 3386 — Health Care Freedom for Patients Act of 2025 (shares 3 subjects)
  • HR 185 — Responsible Legislating Act (shares 3 subjects)
  • HR 150 — People CARE Act (shares 3 subjects)
  • HR 247 — Health Care Affordability Act of 2025 (shares 3 subjects)
  • HR 8658 — Indian Health Service Emergency Claims Parity Act (shares 2 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • HR 6246 — Save American Healthcare Act · Introduced Nov 21, 2025 · Cong. 119 86%
  • HR 6016 — Keep Healthcare Affordable Act · Introduced Nov 10, 2025 · Cong. 119 85%
  • HR 6074 — To amend the Internal Revenue Code of 1986 to extend the enhancement of the health care premium tax credit. · Introduced Nov 18, 2025 · Cong. 119 80%
  • HR 8242 — Health Coverage Tax Credit Reauthorization Act of 2026 · Introduced Apr 9, 2026 · Cong. 119 79%
  • S 3368 — Restoring Patient Protections and Affordability Act of 2025 · Introduced Dec 4, 2025 · Cong. 119 78%
  • S 3391 — Accountability for Better Care Act of 2025 · Introduced Dec 9, 2025 · Cong. 119 77%

Full text

IN THE SENATE OF THE UNITED STATES

December 8 (legislative day, December 4), 2025

Mr. Schumer introduced the following bill; which was read the first time

December 8. 2025

Read the second time and placed on the calendar

A BILL

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

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Lower Health Care Costs Act”.

SEC. 2. EXTENSION OF ENHANCEMENT OF HEALTH CARE PREMIUM TAX CREDIT.

(a) Extension of Rules to Increase Premium Assistance Amounts.— Clause (iii) of section 36B(b)(3)(A) of the Internal Revenue Code of 1986 is amended—

(1) in the heading, by striking “through 2025” and inserting “through 2028”, and

(2) in the matter preceding subclause (I), by striking “before January 1, 2026” and inserting “before January 1, 2029”.

(b) Extension of Rule to Allow Credit to Taxpayers Whose Household Income Exceeds 400 Percent of Poverty Line.—Subparagraph (E) of section 36B(c)(1) of the Internal Revenue Code of 1986 is amended—

(1) in the heading, by striking “through 2025” and inserting “through 2028”, and

(2) by striking “before January 1, 2026” and inserting “before January 1, 2029”.

(c) Effective Date.—The amendments made by this section shall apply to taxable years beginning after December 31, 2025. Calendar No. 284

119th CONGRESS

1st Session

S. 3385

A BILL

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

December 8. 2025

Read the second time and placed on the calendar

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