People who buy marketplace health plans could get aid in a new way. The bill keeps larger subsidies for years, creates special health accounts, limits some covered services, and forces more health care price data into public view.
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.
Lowering Health Care Costs for Americans Act is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Finance.
Latest action on S. 3389: Read twice and referred to the Committee on Finance.
Who this affects: This bill mainly affects people who buy health insurance through ACA marketplaces. It could change their monthly costs, how they receive federal help, and what services their plans cover. It also affects states, hospitals, labs, imaging centers, surgery centers, employers, group health plans, third-party administrators, pharmacy benefit managers, and insurers.
Why this matters: This bill matters because it could change what people pay for marketplace health insurance and how they get federal help. It could keep coverage more affordable for some families by extending enhanced subsidies. But some people could still pay more because the bill sets minimum payments and later reduces part of the extra subsidy. The bill also matters because it limits coverage for abortion and gender transition care in marketplace plans, expands state power to reshape insurance markets, and creates tougher price and data rules across the health care system.
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: Lowering Health Care Costs for Americans Act
People who buy marketplace health plans could get aid in a new way. The bill keeps larger subsidies for years, creates special health accounts, limits some covered services, and forces more health care price data into public view.
Use this page to support, oppose, or ask Congress to amend S3389. 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
Sitting in Finance
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Finance. (12/9/2025)
Senate Floor Vote
Voted on by Senate
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
For more detail
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 Lowering Health Care Costs for Americans 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 (committee), 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 S3389, your stance, and the reasons you choose, then lets you edit and send when ready.
