Contact Congress about S. 3385: Lower Health Care Costs Act

People who buy health insurance on the marketplace could keep getting higher federal help with monthly bills. Some households above 400% of the poverty level could still qualify. The extension would cover tax years 2026 through 2028.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Lower Health Care Costs Act is a Senate bill stalled. The latest recorded action: 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).

Latest action on S. 3385: 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)

Who this affects: This bill mainly affects people who buy their own health insurance through Affordable Care Act marketplaces. It could lower or hold down their monthly premiums from 2026 through 2028. It also matters for some middle-income households above 400% of the federal poverty level, because they could keep getting help. Insurers and marketplaces may also feel the effects because federal help can change how many people sign up.

Why this matters: Marketplace insurance could cost more for many people if the enhanced credits end after 2025. This bill would keep that extra help going for three more years. It could make coverage easier to afford for families, individuals, and some middle-income households. The bill does not say what happens after 2028, so the longer-term effect is still unclear.

Key provisions in S. 3385

• The bill keeps the current higher premium help through 2028. It does this by changing the date in the tax code rule for marketplace premium tax credits.
• Some people above 400% of the federal poverty level could still get premium tax credits through 2028. The bill extends that income rule in the tax code.
• The bill applies to tax years that start after December 31, 2025. That means it covers at least 2026, 2027, and 2028.
• The bill only changes dates in existing law. It does not create a new tax credit or a new health insurance program.
• The Senate has read the bill twice and put it on the Senate calendar as Calendar No. 284. That means the Senate could bring it up for floor action.

How Modern Action helps you take action on S. 3385

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about S. 3385

What is S. 3385?

People who buy health insurance on the marketplace could keep getting higher federal help with monthly bills. Some households above 400% of the poverty level could still qualify. The extension would cover tax years 2026 through 2028.

How do I support or oppose S. 3385?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about S. 3385?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain S. 3385 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.