Expanding Health Care Options for First Responders Act

This bill creates a Medicare buy-in option for first responders aged 50-64 who retired or became disabled due to service. It allows eligible individuals (including police, firefighters, and emergency medical personnel) who aren’t already enrolled in Medicare to purchase comprehensive Medicare coverage (Parts A, B, and D) at a premium calculated based on average Medicare costs. The premium is paid monthly to the Medicare trust funds, and coverage coordinates with Affordable Care Act plans to ensure access to premium tax credits and cost-sharing subsidies. The program does not affect existing Medicare beneficiaries or the financial stability of Medicare trust funds.