S. 4886, Medicare Beneficiary Cost Protection. Quorum's AI analysis reads it as a net benefit — and names who gains.
S. 4886 · Net good
What it does
This bill caps annual out-of-pocket costs for Medicare beneficiaries at $5,000 in 2028 (adjusted annually for inflation), after which Medicare covers 100% of remaining eligible costs. It also expands eligibility for low-income assistance programs (Medicare Savings Program and Low-Income Subsidy) by raising income thresholds to 200% of poverty and eliminating asset tests, while automating enrollment between programs to reduce bureaucratic barriers.
The analysis names Medicare beneficiaries (direct) — and 4 more groups — among the beneficiaries.
The trade-off
The $5,000 cap applies only to Medicare Parts A and B (hospital and physician services), not Part D (prescription drugs), which has its own cost-sharing structure. Beneficiaries may still face high drug costs.
Transparency scores 72%, with a medium warning level and no provisions unrelated to the bill's subject.
Who is behind it
Filed by Lisa Blunt Rochester. Cosponsored by Adam Schiff, Alex Padilla, Ben Luján and Chris Van Hollen.