S 3333 · 119th CongressIntroduced

Expanding emergency savings accounts

Health & Pharma

The vote

—

Worked the bill

$432M

24 groups · their total 2025 lobbying

In the distance

—

Summary

What the bill does

This bill raises the limit on emergency savings accounts linked to retirement plans from $2,500 to $5,000. It also broadens who can open these accounts by removing the requirement that they must already be participating in the retirement plan. The changes take effect in 2027.

Why it matters

The stakes

Workers with retirement plans could save more for unexpected expenses without penalties. This affects anyone with a 401(k) or similar plan who wants a safety net for emergencies.

Major public companies this covers

Fidelity InvestmentsFNF
VanguardV
Charles Schwab CorporationSCHW

The debate

What each side says

Supporters

Raising the savings cap from $2,500 to $5,000 lets workers set aside more money for emergencies, reducing the need to take on high-interest debt.bill
Allowing people who are not yet enrolled in a retirement plan to open an emergency savings account makes it easier for more workers to build a financial cushion.bill

Critics

Higher contribution limits could reduce the amount workers put into their retirement accounts, potentially lowering their long-term savings.report
Expanding eligibility to non-participants may increase administrative costs for employers who offer these accounts.report

Each point links to its source. The views are attributed to those sources, not stated as ours.

Follow the money

From this bill outward

The bill

where every tie is measured from

S 3333Expanding emergency savings accountsHealth & Pharma

Who paid lobbyists to work it

Direct tie24 groups · their total 2025 lobbying

Group	Issues	2025 lobbying (all issues)	Has PAC?
CHAMBER OF COMMERCE OF THE U.S.A.›	EnergyBankingForeign	$70M	✗No PAC
PHARMACEUTICAL RESEARCH AND MANUFACTURERS OF AMERICA›	HealthTechForeign	$38M	✓PRAMAOAP
BUSINESS ROUNDTABLE INC›	EnergyBankingHealth	$34M	✗No PAC
AMERICAN HOSPITAL ASSOCIATION›	HealthOtherForeign	$25M	✓AHAP
AMERICAN MEDICAL ASSOCIATION›	HealthForeignOther	$23M	✗No PAC
AARP›	BankingHealthTech	$21M	✗No PAC
AMAZON.COM SERVICES LLC›	BankingTechLabor	$18M	✓ASLSSFAP
AMERICA'S HEALTH INSURANCE PLANS, INC. (AHIP)›	HealthInsuranceBanking	$17M	✓AHIPIPAP
LOCKHEED MARTIN CORPORATION›	DefenseOtherBanking	$16M	✓LMP
PHARMACEUTICAL CARE MANAGEMENT ASSOCIATION›	HealthTransportBanking	$14M	✗No PAC
AMGEN INC.›	HealthBankingTech	$13M	✓AIP
GOOGLE CLIENT SERVICES LLC›	OtherLaborTech	$13M	✗No PAC
PFIZER INC›	ForeignHealthBanking	$13M	✓PP
ALTRIA CLIENT SERVICES LLC›	HealthBankingOther	$12M	✗No PAC
UNITEDHEALTH GROUP, INC.›	HealthBankingOther	$12M	✓UGP
BOEING COMPANY›	DefenseTransportForeign	$11M	✓TBP
MERCK & CO., INC.›	HealthBankingForeign	$11M	✓MEPAC
ELI LILLY AND COMPANY›	HealthForeignBanking	$11M	✓ELACPAC
GENENTECH, INC.›	HealthOtherTech	$10M	✓GIPACG
APPLE, INC.›	LaborForeignTech	$10M	✗No PAC
NATIONAL RETAIL FEDERATION›	BankingLawForeign	$10M	✗No PAC
BRISTOL-MYERS SQUIBB COMPANY›	HealthForeignBanking	$10M	✓BSCPAC
CVS HEALTH (AND SUBSIDIARIES)›	HealthBankingInsurance	$9.7M	✓CHP
ORACLE CORPORATION›	OtherTechDefense	$9.2M	✗No PAC

Election money, in the distance

Background · not tied to this billHealth & Pharma PACs -> the members who voted

The background money view appears when a bill has a recorded vote and matching sector PAC data.

Lobbying filings, contributions, and votes are public records shown side by side. The further down the chain, the further the money is from this bill. This page does not assert that money caused any vote.