arrow_back Back to App

New public health insurance option established on ACA Exchanges starting 2026

This bill establishes a new public health insurance option (PHIO) to be offered exclusively through the Affordable Care Act (ACA) Exchanges starting January 1, 2026. The goal is to enhance competition and provide citizens with more affordable, high-quality coverage options. These plans must be self-sustaining through premiums and are designed to lower costs without compromising the quality of care.
Key points
A government-run health insurance option (PHIO) will be available on the ACA marketplaces, increasing consumer choice and competition.
The PHIO must offer Bronze, Silver, and Gold level plans and adhere to the same benefit and consumer protection rules as private plans.
Healthcare providers participating in Medicare or Medicaid will automatically be included in the PHIO network unless they actively opt out.
Premium rates must be set high enough to fully cover all health benefit and administrative costs, ensuring the plan is financially self-sufficient.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 118_S_4682
Sponsor: Sen. Whitehouse, Sheldon [D-RI]
Process start date: 2024-07-11
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-flash-latest
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

CHOICE Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_S_4682.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2024-07-11.

What are the main provisions?

Key points include:

  • A government-run health insurance option (PHIO) will be available on the ACA marketplaces, increasing consumer choice and competition.
  • The PHIO must offer Bronze, Silver, and Gold level plans and adhere to the same benefit and consumer protection rules as private plans.
  • Healthcare providers participating in Medicare or Medicaid will automatically be included in the PHIO network unless they actively opt out.
  • Premium rates must be set high enough to fully cover all health benefit and administrative costs, ensuring the plan is financially self-sufficient.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Whitehouse, Sheldon [D-RI].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-26.

CATEGORIES

Health