The U.S. Senate has shot down a proposal to extend health care subsidies for three years. Both U.S. Sens. Rick Scott and Ashley Moody voted against the proposal.

The rejection from Florida’s Senate delegation came even though Florida has 4.7 million consumers, more than any other state, relying on tax credits obtained in the Affordable Care Act (ACA) Marketplace.

As of now, those consumers are set to see premiums increase without subsidies that were expanded in 2020 in response to the COVID pandemic. A shorter extension of the subsidies is still possible, but no plan has been agreed upon despite price hikes nearing.

The Florida Senators drew pushback from Florida Democrats immediately.

“It is exactly two weeks before Christmas and 4.7 million Floridians are terrified they are going to lose access to their healthcare,” said Florida Democratic Party Chair Nikki Fried.

“Instead of fighting for their health and safety our Senators, Rick Scott and Ashley Moody have decided to leave them out in the cold by voting against ensuring their health and safety. Floridians are scrambling to keep food on the table and the lights on during this affordability crisis. The least our elected officials can do is ensure that their healthcare costs don’t balloon by thousands of dollars, pushing more Florida families to the brink.”

But it’s little surprise that either Scott or Moody voted against the bill.

Scott, a Naples Republican, made clear throughout a Rescuing the American Dream summit he led in Washington last week that he considers the ACA subsidies bad policy. He instead has pushed his alternative More Affordable Care Act, which seeks out free market solutions to reduce the costs paid by consumers.

Ahead of the vote, he said Congress should not continue down the road of further subsidizing insurance.

“American families see clearly that Obamacare has failed to deliver on its promises — instead, it created a broken system that screwed over the American people with higher costs and fewer options,” Scott said.

“Families are left paying higher premiums and higher deductibles for health care plans that don’t even fit their needs. We can fix that: we just have to let Americans be the consumer so they can get care that truly fits their needs and drive competition to lower costs.”

Shortly after the vote against extending subsidies, Scott’s Office issued a roundup of conservative groups endorsing his bill, though the Republican majority in the Senate has failed to coalesce around Scott’s plan, or any other specific health care proposal.

Moody hasn’t been vocal on health care, but was among the 48 Republicans who voted against taking up a Democratic bill to extend subsidies. While 51 Senators supported taking up the bill, Senate rules require 60 votes to advance legislation.

Notably, Moody, who was appointed to the Senate in January, stands for election in 2026. A Republican polling firm in October released survey results earlier this year showing the Plant City Republican may be more vulnerable to a challenge if she does not support extending tax credits, a program supported by 73% of Florida voters.

Democrats suggested they intend to highlight the vote against subsidies in the Midterms. Due to the vote, all Floridians receiving subsidies will likely see them expire at the close of 2025.

“If these subsidies expire, costs will skyrocket forcing families to make impossible choices — including forgoing healthcare. That means higher costs, strained services, and longer wait times for everyone,” Fried said.

“Floridians deserve better. Healthcare should not be a partisan issue and it’s a shame that millions of Americans have to endure this during the holidays.”

The debate around the subsidies for insurance were at the heart of a government shutdown this year.

Multiple sources allied with Gov. Ron DeSantis say talk continues about whether Lt. Gov. Jay Collins should run for Congress. But Collins says he’s not interested.

“No, I’m not running for Congress,” the Tampa Republican said.

That comes as sources say he’s been encouraged to, instead of running for Governor, challenge Democratic U.S. Rep. Kathy Castor in the Tampa area or troubled U.S. Rep. Cory Mills in East Central Florida.

Collins for months has teased a potential run for Governor, with speculation spiking after DeSantis appointed Collins as his Lieutenant Governor. That helped raise the statewide profile for Collins, previously a state Senator, but he still trails behind U.S. Rep. Byron Donalds, a Naples Republican, in public polls.

A source close to Collins said he already “100%” decided his next political move, and will announce it soon, but did not say if news will break before the end of the year.

Many anticipated Collins would have DeSantis’ endorsement for a statewide run. But the Governor recently declined to say if he would endorse a successor in an interview with the Floridian Press.

One longtime ally of DeSantis said there’s a growing desire for Collins to challenge Mills in a Republican Primary.

Mills, embroiled in a House Ethics investigation and accused of domestic issues by girlfriends in Washington and Florida, faces censure threats and calls from female colleagues not to seek re-election. The source said this has political allies of DeSantis looking for a credible Republican Primary challenger to Mills with strong name recognition and no scandals. Federal law only requires members of Congress to live in the same state as their congressional district, allowing anyone in Florida to run.

But party leaders expect Mills to seek re-election and acknowledge that it may be difficult to unseat an incumbent in a GOP Primary, regardless of the circumstances.

Another source with strong ties to DeSantis said there has been talk about Collins either running against Mills or in his home region of Tampa Bay. Collins notably filed to challenge Castor, a Tampa Democrat, in the 2022 election cycle, but ultimately ran with DeSantis’ endorsement to unseat Democratic state Sen. Janet Cruz. Collins won the legislative race with 55% of the vote.

Another source said it seemed more likely that Collins would run for a Tampa congressional seat than against Mills.

But Republican leaders in Florida said speculation about federal races may need to wait for the Florida Legislature to produce a new congressional map. The House has taken steps to draw a new map in the Legislative Session. DeSantis and Florida Senate President Ben Albritton said they plan to wait for guidance from a Supreme Court decision in a Louisiana case that could be settled early next year.

Floridians don’t need reminders that the cost of living is out of control because people don’t learn about prices from a press release; they learn them at the checkout line and on their bills.

Democrats are listening. I want to thank our Democratic leaders in both the House and Senate for rolling out their new affordability agenda for the 2026 Session.

Democrats are advancing measures that would stabilize insurance premiums, cut upfront homebuying costs for first-time buyers, and direct state watchdogs to investigate wasteful spending that drives up household costs.

But as important as that agenda is, we need to go even further. Florida’s affordability crisis is not a single issue; it is the defining force shaping nearly every aspect of people’s lives. Too often, the political world treats affordability as something separate — a housing bill here, an insurance bill there. But for Floridians, these aren’t separate issues. They all blur together into one central question: Can I build a decent life in the state I love?

That is why we cannot afford to silo affordability into isolated legislative proposals. We must weave it into everything we do. People are jaded with the thought that politicians in Tallahassee are too focused on the wrong things, such as culture war issues, draining public school funding, and a Republican establishment displaying massive amounts of corruption (look no further than the Hope Florida scandal).

The simple reality is that people want economic relief in a state gripped by one of the worst affordability crises in its existence.

As a result, we, as Democrats, need to put forward a single landmark proposal to address the three biggest drags on affordability for Florida families: property insurance, auto insurance, and the high cost of buying a home.

Some homeowners have seen their property insurance rates jump 60% since 2019 (with some analyses backing that surge), meanwhile, the Governor and Republicans have pocketed over $10 million in campaign funds from insurers in the same time frame. We need to demonstrate that rates can go down through increased competition by inviting more insurers into the state and by providing incentives to current insurers operating in high-risk areas.

For auto insurance, Florida ranks nearly dead last in rates, thanks to a lack of legislation in Tallahassee to address the fact that roughly one in five drivers on our roads are uninsured.

We must strengthen penalties for uninsured drivers and implement programs that help people become insured, which will drive everyone’s rates down.

And as for homeownership costs, Florida has seen one of the sharpest declines in the nation among first-time homebuyers. If families cannot afford to live here, we will lose our brightest and youngest simply because of Tallahassee’s inaction. It is critical that we further enhance down payment assistance for first-time homebuyers and present a real proposal to reduce their property taxes, not one that would defund our first responders or schools, as the Governor has proposed.

Floridians aren’t asking us for perfection; they’re asking us to understand their reality and focus on actual problems, not ones manufactured by politicians.

Democrats need to show Floridians not just what we oppose, but what we would do, across the board, to make life more affordable. Even in a legislative superminority, we can still lead by presenting a cohesive, people-driven plan to lower costs and ease the pressure on families.

Because the truth is, Democrats won’t climb out of this political and electoral hole unless voters believe we can make their lives better. And voters won’t believe that unless they hear a clear, repeated, and disciplined message from us that ties every policy debate back to the thing they care most about: whether they can afford to live here. If we speak directly and honestly about that — not in typical politician talk, but in the language people actually use — we can rebuild credibility. We can reconnect with the families who feel ignored. And we can begin to offer a real alternative to the status quo that has left so many Floridians struggling.

The affordability crisis is not going away on its own. But neither is the determination of Floridians to work hard and make ends meet in the Sunshine State. Democrats owe them a strategy that matches that determination — a strategy rooted in practical solutions, plainspoken communication, and a commitment to making Florida a place where people can not only live, but thrive. Our leaders have taken an important step this week. Now it’s on all of us to carry that work forward and make affordability the centerpiece of everything we do.