Expanding Health Care Options for First Responders Act

Senate Bill 3221, the Expanding Health Care Options for First Responders Act, creates a Medicare buy-in program for retired or disabled first responders aged 50 to 64. Eligible individuals - including law enforcement officers, certain public safety employees, and federal firefighters - can enroll in Medicare Parts A, B, and D at a premium calculated based on average Medicare costs for this group. The coverage counts as "minimum essential coverage" under the Affordable Care Act, making enrollees eligible for premium tax credits and cost-sharing subsidies. The bill also establishes an oversight board and provides federal grants (2027-2029) to support outreach and enrollment for this specific population.