3) Health Cost Guarantee
Overview > Programs > Health Cost Guarantee
Program 3: Health Cost Guarantee
ADDRESSES: HEALTHCARE
What the program does
1. Premium stabilization
Protect and, where needed, restore marketplace premium help so no family pays more than a fixed share of income for benchmark coverage.
2. Prescription drug price caps
Extend monthly out-of-pocket caps, like the insulin cap, to more drugs for chronic disease, and expand the number of drugs covered by federal price negotiation.
3. Medical debt protections
Keep medical debt off credit reports, cap interest on it, and require nonprofit hospitals to screen patients for charity care before sending bills to collections.
4. Price transparency with teeth
Enforce hospital and insurer price disclosure with real penalties, a measure with Republican roots.
Design options
Price transparency and drug caps attract votes from both parties. Premium help is more partisan and may need to ride a spending bill, or wait for a future unified government.
How we will measure success
Lower average out-of-pocket spending, and fewer adults reporting that they skipped care because of cost.
Explore the other programs
Previous: Program 2: Build and Care Initiative
Next: Program 4: Clean Government and Accountability Act
What Voters Want 2026. Working analysis, November 2026. Figures from election-day and pre-election surveys; projections may change as counting finishes.