Bill · S. 3369· Senate(119-S-3369)
Medicare-X Choice Act of 2025
- Introduced
- 12/4/2025
- Last activity
- 12/4/2025 — Read twice and referred to the Committee on Finance.
- Sponsored by
- Michael Bennet
- Cosponsors
- - 10 - 0
- Introduced
- In Committee
What this bill would do
The Medicare-X Choice Act of 2025 aims to establish a "Medicare Exchange health plan" to provide access to quality, low-cost healthcare. This plan would be available in the individual and small group markets starting in the 2028 plan year. The bill creates a Plan Reserve Fund and a Data and Technology Fund to support the administration and premium setting of the plan. It establishes rules for eligibility, coverage levels, and reimbursement rates for healthcare providers. Additionally, the legislation includes provisions for reinsurance, expanded tax credits, and increased antitrust enforcement in healthcare markets.
Yes· 3 of 32
Does this make health care easier to get in general?+8
The bill creates a new, coordinated, and low-cost public health plan available in the individual and small group markets.
Would households on low incomes be better off under this?+7
The bill expands tax credits and increases the cap on premium percentages to assist lower-income earners.
Would people in rural areas be better off under this?+7
The bill allows for up to a 50 percent increase in reimbursement rates for services provided in rural areas.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Access to Low-Cost Healthcare: The bill establishes a coordinated and low-cost health plan designed to provide access to quality healthcare (Section 2201(a)(1)).
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No Cost-Sharing for Primary Care: The health plan must provide coverage for primary care services without imposing any cost-saring requirements (Section 2203(c)).
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Increased Reimbursement in Rural Areas: The Secretary has the authority to increase reimbursement rates by up to 50 percent for items and services furnished in rural areas (Section 2207(a)(2)).
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Reduction of Health Disparities: The Secretary may use data collection and delivery system reforms to reduce racial, ethnic, socioeconomic, geographic, gender, and sexual identity health disparities (Section 2205 and Section 2209(b)(1)).
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Integration of Social Services: The Secretary can integrate medical care with essential services like food, housing, and transportation to improve care quality or reduce spending (Section 2209(f)(1)).
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Expanded Tax Credits: The bill expands tax credits for households at different income tiers to help with premium percentages (Section 5(b)).
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Lower Individual Insurance Premiums: A new reinsurance mechanism is established to pool the costs of high-cost patients to help reduce premiums for individual health insurance (Section 4(a)).
Potential Negative Impacts for People
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Provider Participation Restrictions: Healthcare providers participating in Medicare or Medicaid may be required to also participate in the new health plan, unless they opt out due to exceptional circumstances (Section 2208(a) and Section 2208(d)).
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Potential Premium Variations: Premiums for the health plan will vary based on geography and whether they are in the small group or individual market (Section 2206(a)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+7Good For Rural Residents+7Good For Middle Class Households+6Good For People With Disabilities+6Good For African Americans+5Good For Asian Americans+5Good For Hispanic Americans+5Good For L G B T Q Community+5Good For Men+5Good For Middle Aged+5Good For Native Americans+5Good For Retirees+5Good For White Americans+5Good For Women+5Good For Young Adults+5Good For Business Owners+4Good For Seniors+4
- Healthcare
- Improves Healthcare Access+8Reduces Private Insurance Premiums+7Increases Affordable Care Act Support+6Reduces Prescription Drug Costs+6Increases Medicare Funding+4
- Social Issues And Justice
- Improves Disability Rights+5Improves Gender Equality+5Improves Poverty Reduction+5Improves Racial Equity+5Improves Affordable Housing+4Reduces Homelessness+4
- Economy And Finance
- Improves Consumer Protection+6Reduces Middle Class Taxes+5Improves Small Business Support+3
- Environment Energy And Infrastructure
- Improves Rural Development+6
- 12/18/2025
- 1 Cosponsor added.
- 12/9/2025
- 2 Cosponsors added.
- 12/4/2025
- Read twice and referred to the Committee on Finance.
- 7 Cosponsors added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
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