S 3385 119th Congress
Lower Health Care Costs Act
A bill to amend the Internal Revenue Code of 1986 to extend the enhancement of the health care premium tax credit.
Official Title as Introduced Congress.gov
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Bill journey
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Introduction Congress.gov
Introduced
Introduced in the Senate.
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Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.
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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)
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Introduced in Senate
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Placed on Calendar Senate
A dated text-version record is available.
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Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)
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Motion to proceed to consideration of measure made in Senate. (CR S8567)
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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)
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View the complete bill journey as an accessible table
| Date and time | Record | Official detail | Source |
|---|---|---|---|
| IntroductionIntroduced | Introduced in the Senate. | Congress.gov | |
| Official actionRead the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284. | No additional detail supplied.Calendars · Senate | Congress.gov | |
| Official actionIntroduced 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) | No additional detail supplied.Calendars · Senate | Congress.gov | |
| Official actionIntroduced in Senate | No additional detail supplied.IntroReferral · Library of Congress · Code 10000 | Congress.gov | |
| Text versionPlaced on Calendar Senate | A dated text-version record is available. | Congress.gov | |
| Official actionCloture motion on the motion to proceed to the measure presented in Senate. (CR S8567) | No additional detail supplied.Floor · Senate | Congress.gov | |
| Official actionMotion to proceed to consideration of measure made in Senate. (CR S8567) | No additional detail supplied.Floor · Senate | Congress.gov | |
| Official actionCloture 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) | No additional detail supplied.Floor · Senate | Congress.gov |
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Congressional Research Service
CRS summary
Lower Health Care Costs ActThis 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.
Official documents
Text versions
- Placed on Calendar SenateDec 8, 2025