S. 3386 · 119th Congress

Deposits federal money in health savings accounts for some marketplace enrollees

Official title: Health Care Freedom for Patients Act of 20251

§1What it does

Why this matters: A plain-English description of the bill as it was voted on, written by us from the official summary and text.

Drafted by AI from the public sources cited. Each sentence links to its source.

This bill would have the federal government deposit $1,000 or $1,500 a year, depending on age, into the health savings accounts of people ages 18 to 64 who have bronze or catastrophic plans from the health insurance marketplaces in 2026 and 2027 and earn up to 700% of the federal poverty level.2,3 Starting in 2027, it would fund cost-sharing reductions, which lower out-of-pocket costs, for certain silver-plan enrollees with incomes up to 250% of the poverty level, and would let anyone buy a catastrophic plan, which is now limited to people under 30 and those with certain exemptions.3 It would also lower the extra federal Medicaid funding for adults covered by the Medicaid expansion in states that give any health benefits to noncitizens without a qualifying immigration status, and would bar federal Medicaid and CHIP payments for gender-transition procedures and bar marketplace plans from covering them as an essential health benefit.3 The Senate vote was on a motion to end debate on whether to take up the bill; it needed 60 votes and fell short.3

§2Status

StatusLatest action, December 11, 2025: Cloture on the motion to proceed to the measure not invoked in Senate by Yea-Nay Vote. 51 - 48. Record Vote Number: 643. (CR S8654)1
IntroducedDecember 8, 2025
SponsorSen. Crapo, Mike [R-ID]
Cosponsors1 cosponsor (1 Republican)
Official recordS. 3386 on Congress.gov

§3How Congress voted

Why this matters: The official count.

Senate, December 11, 2025

On the Cloture Motion: Cloture Motion Rejected — 51 yes, 48 no, 1 not voting.4