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Medicare Supplemental Insurance Reform
Recent Bills/Medicare Supplemental Insurance Reform

Medicare Supplemental Insurance Reform

IntroducedJanuary 22, 2025
Passed Senate6 months ago
Intro
House
Senate
Pres
Passed/agreed to in Senate
Why This Matters

This bill makes it easier for people on Medicare to get supplemental insurance by preventing discrimination based on health issues. It ensures that everyone can access necessary coverage without unfair barriers.

If you are on Medicare, you will have better access to supplemental insurance without worrying about health-related discrimination.
Who this affects
Seniors · Individuals with disabilities
What changes is this bill making?
  1. 1This bill prevents insurance companies from denying coverage based on health status or medical conditions.
  2. 2It eliminates waiting periods for preexisting conditions in Medicare supplemental policies.
  3. 3Insurance providers cannot increase premiums based on genetic information.
  4. 4The bill requires an outreach plan to inform eligible individuals about these changes.
  5. 5These changes will take effect starting January 1, 2026.
Read the detailed summary

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.)

Bill Progress4 of 4
Bills must pass the House, Senate, and be signed by the President to become law.
Intro
House
Senate
Pres
IntroducedJan 22, 2025
Sponsors
See all 44 sponsors
House
SenateDec 11, 2025
PresidentCurrent

Passed/agreed to in Senate

The President

Donald Trump
President
Awaiting Signature
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