For many species, 85F is too warm, especially if other crucial levels, like ammonia, are too high. Inverts that may tolerate warm waters will only do worse if ammonia is high also.
Although there is a small chiller on the market for about $150, it will only cool a typical 55-gallon tank just one or two degrees.
A muffin fan or two in the hood can make a lot of difference, both in the water temperature and in the noise level. A single 4" fan will cool a 55-gallon tank heated by four PC bulbs down about three degrees. This is a lot of cooling. The fan can be on a timer to coincide with the hot light.
Icecap has a temperature controlled fan. While it is a pricey $50, it is cheap compared to what a chiller costs. A second fan (one on each end?) may be all you need to cool the tank another two degrees.
It also helps to give the air some place to escape to. I drill holes into my full hoods above the reflector to let some air out. My fans push air over the bulbs.
I had a tank located under the A/C vent. It was a great set-up! The incoming air kept the tank quite cool; room temperatures of 74F or less were common most of the time.