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 what the legislation does, 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.
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.
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Officially: 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.
Use this page to support, oppose, or ask Congress to amend S3385. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
blocked
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Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Latest: 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) (12/11/2025)
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
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Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Lower Health Care Costs Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (blocked), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S3385, your stance, and the reasons you choose, then lets you edit and send when ready.
