Affordable CHOICE Act

The Affordable CHOICE Act (HR 7023) creates a new public health insurance option to be offered exclusively through state health insurance exchanges starting in 2027. It directly affects consumers purchasing coverage through these exchanges by adding a government-run plan that must offer bronze, silver, and gold coverage tiers. Key provisions require the Secretary to set premiums based on geographic rates (using Medicare reimbursement rates if negotiations with providers fail), collect data to reduce health disparities, and establish provider networks using existing Medicare/Medicaid participating providers unless they opt out. The plan must maintain quality and affordability while operating under the same consumer protections as private plans in the exchanges.