New public health plan starts in 2028 with free primary care.

What it does

The bill creates Medicare-X, a new health insurance plan. People and small businesses can buy it starting in 2028. The plan covers primary care with no cost-sharing. That means no copays or deductibles for those visits. The government gives $2 billion to start the plan. Tax credits expand to help middle-income families pay for insurance.

Who it affects

Individuals and small businesses gain access to lower-cost insurance. Primary care visits are free. Doctors and hospitals must join if they take Medicare or Medicaid.

One thing to notice

Doctors and hospitals cannot choose whether to join Medicare-X. They must join if they already take Medicare or Medicaid patients. The plan pools sick and healthy people across states. Premiums may need to change if too many sick people sign up.

From the analysis of the bill text, linked under Primary records below.

Where it stands

2 cosponsors: 2 Democrats.

• Jul 15, 2026 — Introduced · Congress.gov: “Introduced in House”
• Jul 15, 2026 — Referred to House Committee on the Judiciary and House Committee on Ways and Means · Congress.gov: “Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, and…”

Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.

Words to know

• Medicare-X — A new public health insurance plan for individuals and small businesses.
• cost-sharing — Money patients pay out of pocket, like copays or deductibles.
• tax credits — Money the government gives to help people pay for insurance.