CHOICE Act

The CHOICE Act creates a new government-run health insurance plan to be offered through existing health insurance marketplaces (exchanges) starting in 2026. It requires the Secretary to establish this public option, offering bronze, silver, and gold coverage tiers with premiums set based on geographic rates and costs, and using Medicare reimbursement rates as a fallback for provider payments. The plan must comply with existing exchange rules on benefits, provider networks, and consumer protections, while collecting data to address health disparities. It is funded through premiums and a one-time start-up appropriation repaid over 10 years, with states able to form advisory councils to provide input on its operation.