Affordable CHOICE Act

Key Points

• Creates a government-run health plan people could buy on the health insurance marketplaces starting in 2027.
• Requires the plan to follow the same basic rules as other marketplace plans, including consumer protections and standard plan levels (bronze, silver, gold).
• Sets premiums to cover the plan’s costs, with prices adjusted by region; limits how premiums can vary beyond normal factors allowed in law.
• Pays doctors and hospitals using negotiated rates, but falls back to Medicare payment rates if no deal is reached; drug prices are also negotiated with a Medicare-based fallback.
• Builds a provider network by automatically including most Medicare and Medicaid providers unless they choose to opt out; states may form advisory councils to suggest improvements.