Medicare Supplemental Insurance Reform

Close the Medigap Act of 2025This bill (1) expands guaranteed issue rights with respect to Medigap policies (Medicare supplemental health insurance policies), (2) eliminates certain limitations on Medigap policies for newly eligible Medicare beneficiaries, and (3) modifies other provisions related to Medigap policies. (Guaranteed issue rights require that a policy be offered to any eligible applicant without regard to health status.)

1. This bill prevents insurance companies from denying coverage based on health status or medical conditions. 2. It eliminates waiting periods for preexisting conditions in Medicare supplemental policies. 3. Insurance providers cannot increase premiums based on genetic information. 4. The bill requires an outreach plan to inform eligible individuals about these changes. 5. These changes will take effect starting January 1, 2026.

Seniors and individuals with disabilities who rely on Medicare for healthcare coverage.