S. 3102Senate119th Congress (2025-2027)In Committee

A bill to amend the Internal Revenue Code of 1986 to extend the temporary enhanced premium credits, and for other purposes.

Introduced November 4, 2025

AI-Generated Summary

Updated November 23, 2025 at 7:58 PM UTC

This bill prolongs the temporary boost to premium tax credits that help people afford health‑insurance coverage, moving the end date from early 2026 to early 2028. It also keeps the higher‑income credit extension in place through the same period and makes the changes effective for tax years after 2025. Additionally, it gives consumers more time to sign up for 2026 plans by extending the open enrollment deadline to mid‑January 2026.

Key Provisions

  • Extends the temporary enhanced premium tax credits for health insurance from January 1 2026 to January 1 2028, affecting taxpayers who receive these subsidies.
  • Also extends the same enhanced credits for households with income above 400 % of the poverty line to the same new dates.
  • The changes apply to taxable years beginning after December 31 2025.
  • Lengthens the open enrollment period for 2026 health‑insurance plans, allowing enrollment through January 15 2026.

Legislative Activity

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1 earlier action
SenateIntro Referral Latest Action

Read twice and referred to the Committee on Finance.

November 4, 2025

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SenateIntro Referral

Introduced in Senate

November 4, 2025

SenateIntro Referral

Read twice and referred to the Committee on Finance.

November 4, 2025

Floor Debate

15 members

What members said about S. 3102 on the floor

8 Republicans7 Democrats
Lindsey Graham
Sen. Lindsey GrahamR-SC · Nov 6, 2025

Mr. President, I will be speaking here for a few minutes about the upcoming War Powers Resolution vote. First, I ask unanimous consent to have printed in the Record the Wall Street Journal editorial…

Peter Welch
Sen. Peter WelchD-VT · Nov 6, 2025

Mr. President, I rise today to request unanimous consent on my bill to extend the Affordable Care Act's premium tax credits. Those tax credits have made it possible for over 24 million Americans in…

Thom Tillis
Sen. Thom TillisR-NC · Nov 6, 2025

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, we had a great hearing in the Indian Affairs Committee yesterday, and I wanted to come to the…

John Cornyn
Sen. John CornynR-TX · Nov 6, 2025

Mr. President, next July, we will celebrate the 250th anniversary of the founding of this great country. As we approach this monumental commemoration, it is worth reflecting from time to time on the…

Rick Scott
Sen. Rick ScottR-FL · Nov 6, 2025

Mr. President, reserving the right to object, this is an interesting conversation, but Democrats have had 37 days to stop the most important issue that this Senate should be focused on right now, and…

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Richard J. Durbin
Sen. Richard J. DurbinD-IL · Nov 6, 2025

Mr. President, election night, this past Tuesday, should have been a wake-up call for many of my colleagues in the Senate. Americans lined up at the ballot box to demand the Trump administration…

Mike Crapo
Sen. Mike CrapoR-ID · Nov 6, 2025

Mr. President, reserving the right to object, one thing needs to be made really clear. We have all this talk about how we have an urgent crisis, and it can be totally fixed if we just accept the…

John Barrasso
Sen. John BarrassoR-WY · Nov 6, 2025

Mr. President, today is day 37 of the Schumer shutdown. Senate Democrats have now broken the record for the longest shutdown in American history. Democrats have already acknowledged the government…

Ashley Moody
Sen. Ashley MoodyR-FL · Nov 6, 2025

Mr. President, today is day 37 of the longest ever government shutdown, and American families and American workers are paying the price for Democrats to put on a show; from poetry being read at…

John Thune
Sen. John ThuneR-SD · Nov 6, 2025

Mr. President, I move to proceed to Calendar No. 168, H.R. 5371. Mr. President, we are 37 days into an entirely avoidable government shutdown. I say ``avoidable'' because it was. Democrats instigated…

Charles E. Schumer
Sen. Charles E. SchumerD-NY · Nov 6, 2025

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, Americans, plagued by high costs, fired a political torpedo this week at Donald Trump and…

Ruben Gallego
Sen. Ruben GallegoD-AZ · Nov 6, 2025

Mr. President, I rise today on behalf of my good friend and the duly elected Member of Congress for Arizona's Seventh Congressional District, Adelita Grijalva. It has now been 44 days since the…

Edward J. Markey
Sen. Edward J. MarkeyD-MA · Nov 6, 2025

Mr. President, I rise today in defense of one of the most sacred pillars of our democracy: the freedom of speech. Last Saturday, President Donald Trump declared on social media that comedian Seth…

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Mark Kelly
Sen. Mark KellyD-AZ · Nov 6, 2025

Mr. President, I am going to yield to the other Senator from Arizona here briefly and come back to me in a second. Mr. President, every American is supposed to have two Senators and a Representative…

Ron Wyden
Sen. Ron WydenD-OR · Nov 6, 2025

Would my colleague yield for a question? Mr. President, what my colleague seems to be stressing-- and it is something I share--is that there is an urgency here. In my State, we have a couple with…

Bill Text

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Introduced in SenateIssued November 4, 2025

II

119th CONGRESS

1st Session

S. 3102

IN THE SENATE OF THE UNITED STATES

November 4, 2025

Mr. Welch introduced the following bill; which was read twice and referred to the Committee on Finance

A BILL

To amend the Internal Revenue Code of 1986 to extend the temporary enhanced premium credits, and for other purposes.

1.

Extension of temporary enhanced premium credits

(a)

In general

Clause (iii) of section 36B(b)(3)(A) of the Internal Revenue Code of 1986 is amended—

(1)

by striking January 1, 2026 and inserting January 1, 2028, and

(2)

by striking 2025 in the heading and inserting 2027.

(b)

Taxpayers whose household income exceeds 400 percent of the poverty line

Section 36B(c)(1)(E) of the Internal Revenue Code of 1986 is amended—

(1)

by striking January 1, 2026 and inserting January 1, 2028, and

(2)

by striking 2025 in the heading and inserting 2027.

(c)

Effective date

The amendments made by this section shall apply to taxable years beginning after December 31, 2025.

2.

Extension of open enrollment period for plan year 2026

With respect to plan year 2026, the annual open enrollment period required to be provided by the Exchanges under section 1311(c)(6) of the Patient Protection and Affordable Care Act (42 U.S.C. 18031(c)(6)) shall extend until January 15, 2026.