The record

LegislationLegislation· Dec 2025
S 3385 Procedural vote, hasn't passed

Sponsored by Charles E. Schumer (D)

Lower Health Care Costs Act

Extends higher federal health insurance subsidies through 2028 for people buying coverage on marketplaces.

Tradeoff

Reduces out-of-pocket premium costs for people earning above 400% of the and lowers premiums for all marketplace buyers. Costs the federal government money through foregone tax revenue.

What's in it

See official bill text

Extension of through 2028 with an estimated net cost (direction and magnitude not specified in abstract).

This extends federal subsidies that help lower-income and middle-income Americans afford health insurance premiums on the exchanges.

Estimated Budgetary Effects of S. 3385, the Lower Health Care Costs Act · Dec 2025

The Senate tried to advance the bill on December 11, 2025. A failed 51-48, leaving the bill stalled.

  1. Senate

    Introduced

    (Dec 8, 2025)

  2. Senate

    On the Motion

    Motion to Invoke Cloture: Motion to Proceed to S. 3385

    Cloture Motion Rejected(Roll #644 · Dec 11, 2025)

    51 yeanay 48

Recently introduced · no floor action yet