Close the Medigap Act of 2025

The Close the Medigap Act of 2025 would modify federal rules governing Medigap policies, which are private supplemental insurance plans that help cover costs not paid by Medicare. The bill would expand guaranteed issue rights, meaning insurance companies would be required to offer Medigap policies to eligible applicants without considering their health status or medical history. This could make it easier for people newly becoming eligible for Medicare to obtain supplemental coverage.

Currently, Medigap policies have certain limitations for newly eligible Medicare beneficiaries. This bill would eliminate some of those restrictions, potentially broadening access to supplemental insurance options. If enacted, these changes could help Medicare beneficiaries more easily find and purchase supplemental coverage to reduce their out-of-pocket healthcare costs. The bill is currently in the House and has been referred to committee for consideration.