A Democratic bill with 10 Democratic cosponsors · See all 10 cosponsors
Last activity — Read twice and referred to the Committee on Finance.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The Medicare-X Choice Act of 2025 aims to establish a "Medicare Exchange health plan" to provide access to quality, low-cost healthcare. This plan would be available in the individual and small group markets starting in the 2028 plan year. The bill creates a Plan Reserve Fund and a Data and Technology Fund to support the administration and premium setting of the plan. It establishes rules for eligibility, coverage levels, and reimbursement rates for healthcare providers. Additionally, the legislation includes provisions for reinsurance, expanded tax credits, and increased antitrust enforcement in healthcare markets.
Yes· 3 of 32
- Scored +8
Does this make health care easier to get in general?
The bill creates a new, coordinated, and low-cost public health plan available in the individual and small group markets.
- Scored +7
Would households on low incomes be better off under this?
The bill expands tax credits and increases the cap on premium percentages to assist lower-income earners.
- Scored +7
Would people in rural areas be better off under this?
The bill allows for up to a 50 percent increase in reimbursement rates for services provided in rural areas.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Access to Low-Cost Healthcare: The bill establishes a coordinated and low-cost health plan designed to provide access to quality healthcare (Section 2201(a)(1)).
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No Cost-Sharing for Primary Care: The health plan must provide coverage for primary care services without imposing any cost-saring requirements (Section 2203(c)).
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Increased Reimbursement in Rural Areas: The Secretary has the authority to increase reimbursement rates by up to 50 percent for items and services furnished in rural areas (Section 2207(a)(2)).
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Reduction of Health Disparities: The Secretary may use data collection and delivery system reforms to reduce racial, ethnic, socioeconomic, geographic, gender, and sexual identity health disparities (Section 2205 and Section 2209(b)(1)).
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Integration of Social Services: The Secretary can integrate medical care with essential services like food, housing, and transportation to improve care quality or reduce spending (Section 2209(f)(1)).
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Expanded Tax Credits: The bill expands tax credits for households at different income tiers to help with premium percentages (Section 5(b)).
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Lower Individual Insurance Premiums: A new reinsurance mechanism is established to pool the costs of high-cost patients to help reduce premiums for individual health insurance (Section 4(a)).
Potential Negative Impacts for People
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Provider Participation Restrictions: Healthcare providers participating in Medicare or Medicaid may be required to also participate in the new health plan, unless they opt out due to exceptional circumstances (Section 2208(a) and Section 2208(d)).
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Potential Premium Variations: Premiums for the health plan will vary based on geography and whether they are in the small group or individual market (Section 2206(a)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — The bill expands tax credits and increases the cap on premium percentages to assist lower-income earners. Would people in rural areas be better off under this? — The bill allows for up to a 50 percent increase in reimbursement rates for services provided in rural areas. Would middle-income households be better off under this? — The bill expands tax credits and provides more affordable options through a new public health plan. Would people with disabilities be better off under this? — The bill targets the reduction of health disparities experienced by people with disabilities. Would Black Americans be better off under this? — The bill includes provisions to reduce racial and ethnic health disparities. Would Asian Americans be better off under this? — The bill includes provisions to reduce racial and ethnic health disparities. Would Hispanic Americans be better off under this? — The bill includes provisions to reduce racial and ethnic health disparities. Would LGBTQ people be better off under this? — The bill includes provisions to reduce health disparities related to sexual identity. Would men be better off under this? — The bill includes provisions to reduce health disparities related to gender. Would people in middle age be better off under this? — The bill expands access to health insurance through increased tax credits and a new public plan. Would Native Americans be better off under this? — The bill includes provisions to reduce racial and ethnic health disparities. Would retired people be better off under this? — The bill provides a new health plan option and addresses drug price negotiations. Would white Americans be better off under this? — The bill includes provisions to reduce racial and ethnic health disparities. Would women be better off under this? — The bill includes provisions to reduce health disparities related to gender. Would people in their twenties and thirties be better off under this? — The bill expands access to health insurance through increased tax credits and a new public plan. Would business owners be better off under this? — The bill provides health plan options specifically for the small group market. Would people over 65 be better off under this? — The bill creates a public health option that coordinates with existing Medicare and Medicaid providers.
- Healthcare
- Does this make health care easier to get in general? — The bill creates a new, coordinated, and low-cost public health plan available in the individual and small group markets. Does this lower what people pay for private health insurance? — The bill establishes a reinsurance mechanism to pool high-cost patient costs to reduce individual premiums. Does this strengthen the Affordable Care Act? — The bill expands tax credits and addresses the family glitch within the framework of the Affordable Care Act. Does this lower the price of prescription medicines? — The bill authorizes the Secretary to negotiate prescription drug rates and strengthens the authority to negotiate fair prices for Medicare drugs. Does this put more money into Medicare, the health coverage for people over 65? — The bill establishes a Medicare Exchange health plan with a $1 billion initial appropriation to the Plan Reserve Fund.
- Social Issues And Justice
- Does this expand the rights of people with disabilities? — The bill includes provisions to reduce health disparities experienced by people with disabilities. Does this narrow the gap between how men and women are treated? — The bill empowers the Secretary to reduce health disparities related to gender. Is this likely to lift people out of poverty? — The bill expands tax credits and integrates medical care with income assistance. Does this narrow racial gaps in how people are treated? — The bill directs the Secretary to use data collection and delivery reforms to reduce racial and ethnic health disparities. Does this make housing cost less? — The bill allows for the integration of medical care with essential services like housing. Is this likely to reduce homelessness? — The bill allows for the integration of medical care with housing services.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill increases funding for antitrust enforcement to combat anticompetitive practices in healthcare markets. Does this cut taxes for middle-income families? — The bill expands tax credits for various household income tiers to help with premium percentages. Does this make it easier to run a small business? — The bill makes the health plan available in the small group market.
- Environment Energy And Infrastructure
- Does this invest in rural communities? — The bill allows the Secretary to increase reimbursement rates by up to 50 percent for services in rural areas.
- 12/18/2025
- 1 Cosponsor added.
- 12/9/2025
- 2 Cosponsors added.
- 12/4/2025
- Read twice and referred to the Committee on Finance.
- 7 Cosponsors added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Cory BookerDemocrat · New Jersey
Tammy DuckworthDemocrat · Illinois
John HickenlooperDemocrat · Colorado
Amy KlobucharDemocrat · Minnesota
Timothy KaineDemocrat · Virginia
Gary PetersDemocrat · Michigan
Jeanne ShaheenDemocrat · New Hampshire
Tina SmithDemocrat · Minnesota
Elissa SlotkinDemocrat · Michigan
Raphael WarnockDemocrat · Georgia