Phase 3: Waves 2 & 3: working-age adults · Step 3.1

Enroll adults 45–54 (Year 2) and 35–44 (Year 3)

Start of Years 2 and 3 · UHA; employersDiscuss this step

Transition buy-in for people not yet eligible

newYears 1–3Patients

Today

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Under the plan

People in later waves may buy into UHP early at a community-rated premium, with Marketplace-style subsidies (as the Medicare for All Act's transition buy-in does).

Trade-off

Fills gaps during the phase-in; sicker people will buy in first (adverse selection), raising the buy-in's cost.