Close the Medigap Act of 2025
Close the Medigap Act of 2025
Plain Language Summary
# Close the Medigap Act of 2025 Summary **What the bill does:** This bill would expand protections for people buying Medigap insurance (supplemental insurance that covers costs Medicare doesn't pay). It would strengthen "guaranteed issue" rights, meaning insurance companies would have to sell Medigap policies to people regardless of their health status or pre-existing conditions. The bill would also remove certain restrictions that currently apply to people newly eligible for Medicare. **Who it affects:** The bill primarily affects Medicare beneficiaries—older adults and some disabled individuals—who buy or want to buy Medigap coverage.
It could also affect insurance companies that sell these policies, as they would face fewer limitations on who they can decline to insure. **Current status:** The bill was introduced by Representative Lloyd Doggett (D-Texas) in the 119th Congress and is currently in committee, meaning it has not yet been voted on by the full House. No action has been taken at this time.
CRS Official 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.)
Latest Action
Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.