| Coverage Guarantee |
No denials for medically recommended care |
Insurers may deny based on network or policy limits |
| Public Option |
Auto-deployed in underserved counties |
No federal public option |
| Price Transparency |
Real-time dashboards for all providers and drugs |
Limited transparency requirements |
| Funding Model |
Direct-to-provider payments tied to care delivered |
Subsidies routed through insurers |
| Administrative Overhead |
Capped at 10% for insurers |
No federal cap |
| Dental & Vision |
Included in all public option plans |
Not required under ACA |
| Mental Health |
Parity enforced + zero-cost crisis care |
Parity required, but uneven enforcement |
| Substance Abuse Care |
Zero-cost treatment + MAT coverage |
Coverage varies by plan and state |
| Veteran Protections |
Fast-track enrollment + guaranteed care |
No special provisions |
| Reproductive Health |
Comprehensive coverage with no denials |
Coverage varies; subject to state restrictions |
| Fraud Enforcement |
Clawbacks, audits, and public exposure |
Limited enforcement mechanisms |