# 119-s-3389: Lowering Health Care Costs for Americans Act

119-s-3389, Lowering Health Care Costs for Americans Act, is a 119th Congress bill sponsored by Sen. Marshall, Roger [R-KS] (R-KS); status introduced; PRIA reads it as touching household money (as of 2026-07-30).

- Canonical: https://policyrisk.com/legislation/119-s-3389
- As of: 2026-07-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3389
- Congress: 119
- Title: Lowering Health Care Costs for Americans Act
- Status: introduced
- Introduced: 2025-12-09
- Sponsor: Sen. Marshall, Roger [R-KS] (R-KS)
- Cosponsors: 0
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-07-30

## Summary

**Lower health costs and boost price transparency.** This bill would cap monthly premium assistance by income bands, create Healthcare Affordability Accounts tied to advance premium tax credits, and require far-reaching hospital, lab, and group-plan price and data disclosures. - Families and consumers: Would get new monthly premium caps tied to income bands and extended enhanced premium tax credits up to 700% of the federal poverty line for 2027–2031, with a phasedown through 2032. HAAs would let advance credit payments fund premium and cost-sharing accounts and include new ID and enrollment verification rules. - Patients and providers: Would force hospitals to publish payer-specific negotiated charges and require clinical labs to post test prices starting July 1, 2027. Itemized billing rules would limit collections and add penalties up to $10,000 per instance and lab penalties up to $300 per day for ongoing noncompliance. - Employers and group health plans: Would require quarterly access to full claims and payment data from service providers, ban contract terms that block plan access, harmonize good-faith estimates and explanations of benefits, and authorize civil penalties up to $100,000 per day for disclosure violations. *Would authorize at least $5.5 billion in appropriations for FY2027–FY2030 and extend subsidy payments, increasing federal spending.*

## Provisions PRIA read

- Faster plan data for sponsors: benefit, high. If enacted, plan sponsors and fiduciaries would get fast access to claims and payment data. Contracts must give fiduciaries full claims and encounter information within 15 days and service providers must give quarterly, free machine‑readable data and payment formulas. Health plans must also publish…
- Federal grants for state reinsurance: benefit, high. If enacted, the federal government would award grants to help States run reinsurance and invisible high‑risk pool programs. The bill would authorize $500 million for FY2027 (administration) and $5 billion for each FY2028–FY2030, available until spent. The Secretary must set an allocation method wit…
- Clear hospital, lab, and surgery prices: benefit, medium. If enacted, hospitals would post monthly machine‑readable price files and a consumer price display with at least 300 shoppable services through December 31, 2026 and all shoppable services after that. Clinical labs, many imaging providers, and hospital‑owned ambulatory surgery centers would post se…
- Marketplace premium help and accounts: mixed, high. If enacted, enhanced Marketplace premium tax credits would be extended through January 1, 2032 and, for 2027–2031, the household income limit would use 700% of the poverty line instead of 400%. The enhanced extra help would be phased down across years (20%, 40%, 60%, 80% in the windows shown) and a…
- Better price tools and billing protections: mixed, medium. If enacted, providers would have to give a written, itemized bill no later than 30 days after they get final third‑party payment, and collections could not start until you get that bill. Group plans must provide an itemized Explanation of Benefits or notice within 45 days for plan years starting on…

## Related bills

- 119-s-4952: Protecting American Taxpayers Act
- 119-s-4378: Protecting American Taxpayers Act
- 119-s-3903: Railway Safety Act of 2026
- 119-s-1748: Kids Online Safety Act
- 119-s-3265: Improve and Enhance the Work Opportunity Tax Credit Act
- 119-s-2140: Haskell Indian Nations University Improvement Act

## Sources
- [119-s-3389 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3389)

## Related
- [119-s-4952: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4952)
- [119-s-4378: Protecting American Taxpayers Act](https://policyrisk.com/legislation/119-s-4378)
- [119-s-3903: Railway Safety Act of 2026](https://policyrisk.com/legislation/119-s-3903)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-3265: Improve and Enhance the Work Opportunity Tax Credit Act](https://policyrisk.com/legislation/119-s-3265)
- [119-s-2140: Haskell Indian Nations University Improvement Act](https://policyrisk.com/legislation/119-s-2140)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3389 (as of 2026-07-30).