The Medicare-X Choice Act of 2026 aims to create a new public health insurance option called the Medicare Exchange health plan, designed to enhance access to affordable healthcare for individuals and small groups in the United States. The legislation's primary goal is to provide quality healthcare options, particularly for those who do not qualify for Medicare but seek affordable insurance alternatives. Starting in 2028, the Medicare Exchange health plan will be available to eligible individuals in both the individual and small group markets, adhering to existing healthcare regulations.