119th Congress · introduced in the Senate · Dec 8, 2025
Lower Health Care Costs Act
Official title from Congress.gov
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)
View on Congress.govPolicy area: Taxation
Congressional Research Service summary, version: Introduced in Senate (Dec 8, 2025)
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.
No cosponsors.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
Senate · Dec 11, 2025 · Roll call 644 · Cloture Motion Rejected
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) Roll call details
Cloture motion on the motion to proceed to the measure presented in Senate. (CR S8567)
Motion to proceed to consideration of measure made in Senate. (CR S8567)
Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 284.
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)
Introduced in Senate
Actions from Congress.gov, newest first.
Health care costs and insurance · Health care coverage and access · Income tax credits · Inflation and prices · Tax administration and collection, taxpayers
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
48 citations; showing the 25 most recently posted.
HUMAN RIGHTS CAMPAIGN · lobbying firm or registrant: HUMAN RIGHTS CAMPAIGN
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Health Issues
$203,894
Spent on own lobbying
…th Care Freedom for Patients Act of 2025 H.R. 6372; S. 3327: D.C. Shield Law Repeal Act S. 3011: Prohibiting Abortion & Transgender Procedures on Exchanges Act S. 3385: Lower Health Care Costs Act H.R. 7420: Stop Gender Trafficking of Minors Act H.R. 7853; S. 3990: PrEP Access and Coverage Act of 2026 H.R. 7148, the Consolida…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ASSOCIATION OF AMERICAN MEDICAL COLLEGES · lobbying firm or registrant: ASSOCIATION OF AMERICAN MEDICAL COLLEGES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Medicare/Medicaid
$431,446
Spent on own lobbying
…care services not otherwise available. Issue: Educate Congress on impact of Statutory Pay-As-You-Go Act Medicare sequester H.R.1835 - Breaking the Gridlock Act S.3385 - Lower Health Care Costs Act S.3386 - Health Care Freedom for Patients Act of 2025 Issue: Support clean extension of Affordable Care Act (ACA) enhanced premiu…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY (HCSC) · lobbying firm or registrant: THE D MAJOR GROUP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 3, 2026 · issue area: Insurance
$30,000
Paid to lobbying firm
Work on extending advanced premium tax credits. This includes related proposals S. 3385, the Lower Health Care Costs Act; S. 3386, the Health Care Freedom for Patients Act; and H.R. 6703, the Lower Health Care Premiums for All Americans Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FRIENDS COMMITTEE ON NATIONAL LEGISLATION · lobbying firm or registrant: FRIENDS COMMITTEE ON NATIONAL LEGISLATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · amended · posted Sep 28, 2026 · issue area: Taxation/Internal Revenue Code
$1,000,000
Spent on own lobbying
H.R. 1834, Breaking the Gridlock Act S. 3385, Lower Health Care Costs Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
REPRODUCTIVE FREEDOM FOR ALL · lobbying firm or registrant: REPRODUCTIVE FREEDOM FOR ALL
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · amended · posted Aug 12, 2026 · issue area: Family issues/Abortion/Adoption
$50,000
Spent on own lobbying
…r abortion; Abortion-coverage restrictions, including restrictions related to ACA premium tax credits; Extension of ACA enhanced premium tax credits, including S.3385, the Lower Health Care Costs Act; S.3386, the Health Care Freedom for Patients Act of 2025; Issues related to Medicaids free-choice-of-provider provision; Defu…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HEALTHCARE LEADERSHIP COUNCIL · lobbying firm or registrant: HEALTHCARE LEADERSHIP COUNCIL
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · amended · posted Jul 29, 2026 · issue area: Health Issues
$200,000
Spent on own lobbying
H.R. 4464/ S. 3204, Preventive Health Savings Act H.R. 5145, S. 3385, Bipartisan Premium Tax Credit Extension Act H.R. 5283/S. 2759, Healthcare Workforce Resilience Act S. 2824, A bill to amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HEALTHCARE LEADERSHIP COUNCIL · lobbying firm or registrant: HEALTHCARE LEADERSHIP COUNCIL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · amended · posted Jul 29, 2026 · issue area: Health Issues
$200,000
Spent on own lobbying
H.R. 4464/ S. 3204, Preventive Health Savings Act H.R. 5145, S. 3385, Bipartisan Premium Tax Credit Extension Act H.R. 5283/S. 2759, Healthcare Workforce Resilience Act S. 2824, A bill to amend the Internal Revenue Code of 1986…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HIGHMARK INC · lobbying firm or registrant: HIGHMARK, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Health Issues
$230,000
Spent on own lobbying
…fordability Act - A bill to amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan. S. 3385 - 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 t…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HIGHMARK INC · lobbying firm or registrant: HIGHMARK, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Taxation/Internal Revenue Code
$230,000
Spent on own lobbying
…fordability Act - A bill to amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan. S. 3385 - 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 t…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PLANNED PARENTHOOD FEDERATION OF AMERICA, INC · lobbying firm or registrant: CAPITOL COUNSEL LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Health Issues
$70,000
Paid to lobbying firm
Health care reform issues, including S.3385 - Lower Health Care Costs Act; legislative issues related to Title X family planning funding and reproductive health care access at the Veterans Administration…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ASSOCIATION OF AMERICAN MEDICAL COLLEGES · lobbying firm or registrant: ASSOCIATION OF AMERICAN MEDICAL COLLEGES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Medicare/Medicaid
$821,438
Spent on own lobbying
…care services not otherwise available. Issue: Educate Congress on impact of Statutory Pay-As-You-Go Act Medicare sequester H.R.1835 - Breaking the Gridlock Act S.3385 - Lower Health Care Costs Act S.3386 - Health Care Freedom for Patients Act of 2025 Issue: Support clean extension of Affordable Care Act enhanced premium tax…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HUMAN RIGHTS CAMPAIGN · lobbying firm or registrant: HUMAN RIGHTS CAMPAIGN
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Health Issues
$223,727
Spent on own lobbying
…th Care Freedom for Patients Act of 2025 H.R. 6372; S. 3327: D.C. Shield Law Repeal Act S. 3011: Prohibiting Abortion & Transgender Procedures on Exchanges Act S. 3385: Lower Health Care Costs Act H.R. 7420: Stop Gender Trafficking of Minors Act H.R. 7853; S. 3990: PrEP Access and Coverage Act of 2026 H.R. 7148, the Consolida…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
P STREET PROJECT, INC. · lobbying firm or registrant: P STREET PROJECT, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Health Issues
$10,000
Spent on own lobbying
…Medicare Advantage. Lobbied in support of the Protecting Health Care and Lowering Costs Act (H.R. 4849) and extending Affordable Care Act subsidies, including S. 3385.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ECONOMIC SECURITY PROJECT ACTION, INC. AND ITS AFFILIATES · lobbying firm or registrant: ECONOMIC SECURITY PROJECT ACTION, INC. AND ITS AFFILIATES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 16, 2026 · issue area: Health Issues
$150,000
Spent on own lobbying
…nd the Internal Revenue Code of 1986 to extend the temporary enhanced premium credits (Sen. Murkowski) -Oppose a temporary two year extenstion of the ACA EPTCs S.3385 Lower Health Care Costs Act (Schumer) -Suport clean three year extension to ACA ePTCs Discharge Petition No. 10 H.Res. 780 (Jeffries) -Support three year clean…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY (HCSC) · lobbying firm or registrant: THE D MAJOR GROUP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 10, 2026 · issue area: Insurance
$30,000
Paid to lobbying firm
Work on extending advanced premium tax credits. This includes related proposals S. 3385, the Lower Health Care Costs Act; S. 3386, the Health Care Freedom for Patients Act; and H.R. 6703, the Lower Health Care Premiums for All Americans Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
KAISER FOUNDATION HEALTH PLAN INC · lobbying firm or registrant: KAISER FOUNDATION HEALTH PLAN INC.
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · amended · posted May 22, 2026 · issue area: Health Issues
$730,000
Spent on own lobbying
…ts and Communities Reauthorization Act of 2025 H.R. 6703 - Lower Health Care Premiums for All Americans Act H.R. 6248 - Healthy Competition for Better Care Act S. 3385 - Lower Health Care Costs Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN MEDICAL ASSOCIATION · lobbying firm or registrant: AMERICAN MEDICAL ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · amended · posted Apr 20, 2026 · issue area: Health Issues
$7,970,000
Spent on own lobbying
…dit Extension Act, all provisions S. 2882, Continuing Appropriations and Extensions and Other Matters Act, 2026, provisions relating to ACA premium tax credits S. 3385, Lower Health Care Costs Act, provisions related to the ACA and premium tax credits H.R. 6703, Lower Health Care Premiums for All Americans Act, all provisions…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN MEDICAL ASSOCIATION · lobbying firm or registrant: AMERICAN MEDICAL ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · amended · posted Apr 20, 2026 · issue area: Taxation/Internal Revenue Code
$7,970,000
Spent on own lobbying
…dit Extension Act, all provisions S. 2882, Continuing Appropriations and Extensions and Other Matters Act, 2026, provisions relating to ACA premium tax credits S. 3385, Lower Health Care Costs Act, provisions related to the ACA and premium tax credits H.R. 6575, CommonGround for Affordable Health Care Act, provisions related…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HIGHMARK INC · lobbying firm or registrant: HIGHMARK, INC.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Health Issues
$250,000
Spent on own lobbying
…fordability Act - A bill to amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan. S. 3385 - 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 t…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HIGHMARK INC · lobbying firm or registrant: HIGHMARK, INC.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Taxation/Internal Revenue Code
$250,000
Spent on own lobbying
…fordability Act - A bill to amend the Internal Revenue Code of 1986 to expand eligibility for the refundable credit for coverage under a qualified health plan. S. 3385 - 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 t…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PLANNED PARENTHOOD FEDERATION OF AMERICA, INC · lobbying firm or registrant: CAPITOL COUNSEL LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 17, 2026 · issue area: Health Issues
$70,000
Paid to lobbying firm
Health care reform issues, including S.3385 - Lower Health Care Costs Act; legislative issues related to Title X family planning funding and reproductive health care access at the Veterans Administration…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
P STREET PROJECT, INC. · lobbying firm or registrant: P STREET PROJECT, INC.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 17, 2026 · issue area: Health Issues
$10,000
Spent on own lobbying
…port of H.R. 4849, the Protecting Health Care and Lowering Costs Act. Lobbied in support of extending Affordable Care Act health insurance subsidies, including S. 3385. Lobbied in favor of universal health care, including H.R. 3069, the Medicare for All Act.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ASSOCIATION OF AMERICAN MEDICAL COLLEGES · lobbying firm or registrant: ASSOCIATION OF AMERICAN MEDICAL COLLEGES
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 16, 2026 · issue area: Medicare/Medicaid
$577,720
Spent on own lobbying
…care services not otherwise available. Issue: Educate Congress on impact of Statutory Pay-As-You-Go Act Medicare sequester H.R.1835 - Breaking the Gridlock Act S.3385 - Lower Health Care Costs Act S.3386 - Health Care Freedom for Patients Act of 2025 Issue: Support clean extension of Affordable Care Act enhanced premium tax…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY (HCSC) · lobbying firm or registrant: THE D MAJOR GROUP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 15, 2026 · issue area: Insurance
$30,000
Paid to lobbying firm
Work on extending advanced premium tax credits. This includes related proposals S. 3385, the Lower Health Care Costs Act; S. 3386, the Health Care Freedom for Patients Act; and H.R. 6703, the Lower Health Care Premiums for All Americans Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BANNER HEALTH · lobbying firm or registrant: THE D MAJOR GROUP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 15, 2026 · issue area: Health Issues
$30,000
Paid to lobbying firm
…n of advanced premium tax credits. In addition, work on health insurance reforms including H.R. 6703, the Lower Health Care Premiums for All Americans Act; and S. 3385, the Lower Health Care Costs Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing