Choose Medicare Act

The Choose Medicare Act would establish a new Medicare Part E public health plan available across individual, small group, and large group insurance markets. This plan would provide comprehensive coverage including all essential health benefits, gold-level coverage, and reproductive services, with premiums negotiated to be at least as favorable as current Medicare rates. The bill would create a $6,700 annual out-of-pocket spending limit for Medicare beneficiaries starting in 2027, require employers to refer employees without adequate coverage to navigators, and change premium assistance credits to use gold-level plans as the benchmark. It would also establish a $2 billion startup fund for the program and expand reduced cost-sharing for lower-income individuals.