Public Health Insurance Option: Boosting Competition and Affordability on Exchanges.
This Act establishes a new public health insurance option, run by the government, to be offered exclusively through the ACA Exchanges starting in 2026. The goal is to increase competition, stabilize the market, and provide citizens with more affordable, high-quality coverage choices. The plan is designed to be self-sustaining through premiums and utilizes strong negotiation power to control healthcare costs.
Key points
A government-run health plan ("public option") will be available on the ACA marketplaces starting January 1, 2026, aiming to provide value and stability.
The plan must be affordable, high-quality, and fully financed by premiums, operating without taxpayer subsidies for claims.
Healthcare providers participating in Medicare or Medicaid are automatically included in the public option network unless they actively opt out.
The government will negotiate provider payment rates, using Medicare rates as a fallback if negotiations fail, aiming to reduce overall costs.
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