Bill raises worker emergency savings limits and funds ownership grants.
S. 3333 — Emergency Savings Enhancement Act of 2025 · Filed by Todd Young (R-IN) · 3 cosponsors · Introduced Dec 3, 2025 · Reported out
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What it does
The bill raises emergency savings limits to $5,000 per year. Workers without a pension plan can now use these accounts. The bill sets aside $4 to $22 million each year. Money goes from 2025 to 2035 for grants. Grants help workers own part of their companies. Changes start after December 31, 2026.
Who it affects
Workers without a pension plan gain access to emergency savings. Small businesses and worker-owned companies can get grants. Plan administrators will manage more money.
One thing to notice
Spending for the grant program is locked in from 2027 to 2032. No new vote is needed each year. Grant money grows automatically based on inflation starting in 2030.
From the analysis of the bill text, linked under Primary records below.
Where it stands
3 cosponsors: 2 Democrats, 1 Republicans.
- Dec 3, 2025 — Introduced · Congress.gov: “Introduced in Senate”
- Dec 3, 2025 — Referred to Senate Committee on Health, Education, Labor, and Pensions · Congress.gov: “Read twice and referred to the Committee on Health, Education, Labor, and Pensions”
- Jul 30, 2026 — Reported out of committee · Congress.gov: “Committee on Health, Education, Labor, and Pensions. Ordered to be reported with an amendment in the nature…”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
1 groups reported lobbying about this bill. They filed 1 reports from Jun 2026 to Jun 2026.
Those reports show $30,000 in lobbying spending. Each report lists about 8 bills. So that money was not all for this bill.
More groups named this bill than 0% of bills with any report.
Todd Young, who sponsored the bill, received $695,220 from PACs for the 2026 election.
- T. Rowe Price Group, Inc. — $30,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- emergency savings — Money set aside for sudden unexpected costs or needs.
- pension plan — A work program that saves money for workers after they retire.
- grants — Money given by the government that does not need to be paid back.
- inflation — When prices for things go up over time.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (4,057 characters) on Aug 20, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,206 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Jun 2026 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 16, 2026 · page rendered 2026-09-17.
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