Patient Choice and Access Act of 2026

The Patient Choice and Access Act of 2026 would allow health insurance plans starting in 2027 to operate without requiring a network of doctors and hospitals. This change directly affects individuals enrolled in qualified health plans by permitting them to see any provider that accepts the plan's payment rates, rather than being restricted to a specific list of in-network providers. To ensure consumers understand their coverage, the bill mandates that these plans clearly explain potential out-of-pocket costs and offer tools to help members find participating providers. Additionally, the legislation updates federal rules to prevent the government from penalizing plans that choose not to maintain a provider network.