Bills · HR 3995
IN COMMITTEE· 119TH CONGRESS
House BillHR 3995Health
State Public Option Act
INTRO JUN 12· LAST ACTION JUN 12
READING
20MIN
COSPONSORS
0
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it could significantly change the health insurance market by introducing a new, government-backed option that directly competes with private health insurance plans. For voters, this means the potential for more affordable and accessible health insurance choices, especially for those who currently struggle to afford private plans or who remain uninsured.
If this bill becomes law, it could lead to increased health insurance coverage nationwide and potentially drive down healthcare costs for many individuals by increasing competition among insurers. If it does not pass, the health insurance landscape will likely remain largely unchanged, potentially leaving many individuals with fewer affordable options and continuing to face high premiums and out-of-pocket costs with private insurers or remaining uninsured.
KEY PROVISIONS
5AI-extractedPROVISION 01
Allows states to create a "Medicaid buy-in" program starting January 1, 2026, for state residents who are not concurrently enrolled in other health insurance coverage.
This creates a new public health insurance option, potentially increasing access to coverage for uninsured individuals.
PROVISION 02
Participants in the Medicaid buy-in program will be subject to premiums and other cost-sharing charges, which are to be determined on an actuarially sound basis and capped at 8.5% of family household income for premiums.
This ensures the program has a funding mechanism while also protecting lower-income participants from excessive costs.
PROVISION 03
States would receive federal financial participation equal to 90% of reasonable administrative expenses incurred in running the Medicaid buy-in program.
This provides a strong financial incentive for states to adopt and effectively manage the new public option.
PROVISION 04
Premiums and cost-sharing collected by states from buy-in participants will offset the state's medical assistance expenditures for those individuals; any excess premiums collected beyond medical costs will result in 50% being paid back to the federal government.
This provision helps manage the financial sustainability of the program and ensures accountability for state revenue collection.
PROVISION 05
Individuals in the Medicaid buy-in program are eligible for cost-sharing reductions, treating their enrollment as a "silver level" qualified health plan for subsidy purposes.
This further enhances the affordability of the program for eligible low and middle-income individuals by reducing out-of-pocket costs.
SPONSORSHIP
1 + 0
D· Washington
YRS IN OFFICE
7
BILLS LED
22
ACTION TIMELINE
2 EVENTSJUN 12
Introduced in House
JUN 12
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
BILL INFO
TypeHouse Bill
NumberHR 3995
Congress119th
StatusIn Committee
IntroducedJun 12, 2025
Last actionJun 12, 2025
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED JUN 12, 2025
House BillHR 3995Health
State Public Option Act
INTRODUCED JUN 12, 2025· LAST ACTION JUN 12, 2025
PASSAGE CHANCES
—%
READING
20 min
COSPONSORS
0
COMPLEXITY
Moderate
