Expanding Health Care Options for First Responders Act
Summary
The "Expanding Health Care Options for First Responders Act" aims to amend Title XVIII of the Social Security Act. It proposes a Medicare buy-in option for first responders aged 50 to 64 who have separated from service due to retirement or disability. This would allow eligible first responders to access Medicare benefits similar to those available to individuals over 65.
Expected Effects
The bill would create a new section within the Social Security Act (42 U.S.C. 1395c et seq.) to enable qualified first responders to enroll in Medicare Parts A, B, and D. It also establishes premium structures, enrollment periods, and coordination with the Affordable Care Act. The Act also establishes an oversight board to monitor implementation and conduct outreach.
Potential Benefits
- Provides healthcare access to first responders who retire or become disabled before age 65.
- Offers the same benefits and protections as standard Medicare enrollees, including Medicare Advantage plans.
- Allows access to premium assistance tax credits and cost-sharing reductions under the Affordable Care Act.
- Guarantees the issue of Medigap policies upon initial and subsequent enrollments.
- Establishes an advisory committee for oversight and continuous improvement of the program.
Potential Disadvantages
- Requires eligible first responders to pay monthly premiums, which could be a financial burden.
- May increase the financial burden on the Federal Hospital Insurance Trust Fund and the Federal Supplementary Medical Insurance Trust Fund.
- States are prohibited from buying their Medicaid beneficiaries ages 50 to 64 into Medicare under this section.
- Individuals enrolled under this section are not eligible for Medicare cost-sharing assistance under Title XIX.
- Potential administrative complexities in coordinating enrollment and coverage periods with existing healthcare programs.
Constitutional Alignment
The bill aligns with the Constitution's general welfare clause (Preamble). It aims to provide for the well-being of a specific group (first responders). The bill's reliance on the Social Security Act, which has been upheld by the Supreme Court, suggests constitutional validity. The establishment of the Medicare Buy In Oversight Board is consistent with Congress's power to create committees to oversee the implementation of laws.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).