This policy option at the federal level would allow people who are not federal employees, their dependents, or retirees to participate in the Federal Employees Health Benefits Program (FEHBP). The FEHBP is the health insurance program offered to federal employees (including members of Congress), their families, and retirees.

At the state level, this policy option would allow people who are not state employees, their dependents or retirees to participate in state employee health benefit programs. Those programs vary widely across the states in terms of their benefits and premiums.