To amend title XVIII of the Social Security Act to establish certain requirements with respect to the average monthly cost to provide coverage to an enrollee under Medicare Advantage plans.

This bill requires Medicare Advantage plans to have average monthly payments from the government that don't exceed the average cost of original Medicare (Parts A and B) for the same year. If a plan's payments exceed this cost, the government cannot allow new enrollments or re-enrollments in that plan for the following year. It directly affects Medicare Advantage plans and their enrollees, creating a financial check on plan pricing. An exception applies to specialized Medicare Advantage plans designed for individuals with specific health needs. The provision takes effect one year after the bill's enactment.