Affordable CHOICE Act

Key Provisions

• Creates a new public health insurance option run by the federal government, available through ACA Exchanges starting in 2027.
• Requires the government to offer bronze, silver, and gold plans that are affordable and high-quality.
• Sets premium rates for the public option to cover all health benefits and administrative costs.
• Negotiates payment rates for doctors, hospitals, and prescription drugs, defaulting to Medicare rates if no agreement is reached by January 1, 2026.
• Includes most doctors and hospitals who accept Medicare or Medicaid in the public option's network unless they choose to opt out.
• Authorizes start-up funding for the public option, which would be repaid to the U.S. Treasury over 10 years.