The Affordable CHOICE Act would create a new federal public health insurance option available through the Affordable Care Act's insurance marketplaces beginning in 2027, offering bronze, silver, and gold plan levels to provide affordable, high-quality coverage nationwide. The plan would be administered directly by the federal government rather than private insurers, operating under the same rules as other marketplace plans while competing alongside them to drive down costs. Healthcare providers participating in Medicare or Medicaid would automatically participate in the public option unless they opt out, and the government would negotiate reimbursement rates with providers, defaulting to Medicare payment rates if negotiations fail. The bill authorizes startup funding to establish the program and cover initial claims, with that funding to be repaid to the Treasury over 10 years beginning in 2027, and allows states to establish advisory councils to make recommendations on the option's operations and policies. The legislation aims to increase competition, consumer choice, and affordability in the health insurance market while maintaining comprehensive coverage standards.
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