Choose Medicare Act

The Choose Medicare Act (S 4231) would create "Medicare part E" plans available in individual, small group, and large group insurance markets. These plans would provide comprehensive coverage including essential health benefits, gold-level coverage, all reproductive services, and abortion coverage, with premiums adjusted by market type and location. The bill would establish $2 billion in startup funding for 2025, require employers to refer employees to health insurance navigators, and implement protections against high out-of-pocket costs for Medicare beneficiaries. It would also expand premium assistance for lower-income individuals and establish new mechanisms to protect consumers from excessive insurance rates.