Legalizing Premium Health Care Act of 2026

The Legalizing Premium Health Care Act of 2026 allows Medicare beneficiaries to sign written contracts with doctors or other eligible professionals to receive services at agreed-upon rates that may exceed standard Medicare limits. Under this bill, patients who sign such contracts would be responsible for paying the difference between the contracted amount and what Medicare covers, while also handling their own claims unless they choose to delegate this task to the provider. The legislation prohibits these agreements during medical emergencies or urgent situations and prevents states from setting their own caps on the charges these professionals can bill. Additionally, the act explicitly excludes individuals who qualify for both Medicare and Medicaid from entering into these private payment arrangements.