United States 119th Congress Status: In Committee 44 D cosponsors

HR 610 — Close the Medigap Act of 2025

Last 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.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the House. Introduced January 22, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Stalled 26% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 44 sponsors

    1 primary, 43 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (44 D).

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

HR 610 addresses key provisions related to healthcare and energy policy.

HR 610 was introduced in the House and is under consideration by two committees. It focuses on provisions that affect healthcare and energy.

What this means for you
  • Healthcare: This bill may lead to changes in healthcare policy that could affect access and services for patients.
  • Environment: The legislation may introduce new regulations or support for energy initiatives that impact environmental sustainability.

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 Text

How this bill changes current law

4 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill amends provisions related to Medicare supplemental health insurance policies to improve access and prevent discrimination based on health status and preexisting conditions.

  • 42 U.S.C. 1395ss(s)

    (s)(1) Subject to paragraph (2), the issuer of a medicare supplemental policy may not, in the case of an individual entitled to benefits under part A and enrolled under part B-- (A) deny or condition the issuance or effectiveness of a medicare supplemental policy, or discriminate in the pricing of the policy, because of health status, claims experience, receipt of health care, or medical condition; (B) exclude benefits based on a preexisting condition; (C) provide any time period applicable to preexisting conditions, waiting periods, elimination periods, and probationary periods for any benefit; (D) deny or condition the issuance or effectiveness of the policy (including the imposition of any exclusion of benefits under the policy based on a preexisting condition) or discriminate in the pricing of the policy (including the adjustment of premium rates) of an individual on the basis of the genetic information with respect to such individual; (E) deny or condition the issuance or effectiveness of a medicare supplemental policy that is offered and is available for issuance to new enrollees by such issuer; or (F) establish any period limiting enrollment under a medicare supplemental policy to such period for any individual.

    This provision ensures that individuals can obtain Medicare supplemental policies without discrimination based on health conditions or background.

  • 42 U.S.C. 1395ss(r)(1)(A)

    policy, at least 75 percent of the aggregate amount of premiums collected in the case of group policies and at least 65 percent in the case of individual policies; and → policy-- "(i) with respect to periods beginning before January 1, 2026, at least 75 percent of the aggregate amount of premiums collected in the case of group policies and at least 65 percent in the case of individual policies; and "(ii) with respect to periods beginning on or after January 1, 2026, a percent of the aggregate amount of premiums collected that, in the case of group policies or individual policies, as applicable, is equal to or greater than both-- "(I) the applicable percent specified in clause (i) with respect to such policies; and "(II) such percent as the National Association of Insurance Commissioners may recommend to the Secretary with respect to such policies for purposes of this paragraph; and

    This change updates the medical loss ratio requirements for Medicare supplemental policies to align with new regulations.

  • 42 U.S.C. 1395ss

    (aa) Development of New Standards Relating to Pricing Discrimination.-- "(1) In general.--The Secretary shall request the National Association of Insurance Commissioners to review and revise the standards for all benefit packages under subsection (p)(1)...

    This addition mandates a review of standards regarding pricing discrimination in Medicare supplemental policies.

  • 42 U.S.C. 1395b-2

    (d) In the case that the Secretary provides for a Medicare plan finder internet website of the Centers for Medicare & Medicaid Services (or a successor website), the Secretary shall,...

    This provision establishes requirements for the Medicare plan finder website to improve consumer access to information about supplemental insurance policies.

Action History

  1. Introduced in House

  2. Introduced in House

  3. 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.

  4. 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.

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 43 co-sponsors · 503 not signed on

Sponsors (1)

Co-sponsors (43)

Not signed on (503)

503 members have not signed on to this bill.

Show all 503 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

healthcare health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does HR 610 do?
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.)
Who sponsors HR 610?
HR 610 is sponsored by Doggett, Lloyd (Democratic), Bishop, Sanford D. (Democratic), Carson, André (Democratic), Casar, Greg (Democratic), Casten, Sean (Democratic), Chu, Judy (Democratic), Cleaver, Emanuel (Democratic), Cohen, Steve (Democratic), DeLauro, Rosa L. (Democratic), Dingell, Debbie (Democratic), Espaillat, Adriano (Democratic), Fletcher, Lizzie (Democratic), Garamendi, John (Democratic), Garcia, Sylvia R. (Democratic), Grijalva, Raúl M. (Democratic), Jayapal, Pramila (Democratic), Johnson, Henry C. "Hank" (Democratic), Kaptur, Marcy (Democratic), Khanna, Ro (Democratic), Lee, Summer L. (Democratic), Norton, Eleanor Holmes (Democratic), Ocasio-Cortez, Alexandria (Democratic), Pressley, Ayanna (Democratic), Ramirez, Delia C. (Democratic), Schakowsky, Janice D. (Democratic), Sherman, Brad (Democratic), Takano, Mark (Democratic), Tonko, Paul (Democratic), Veasey, Marc A. (Democratic), Watson Coleman, Bonnie (Democratic), Williams, Nikema (Democratic), García, Jesús G. "Chuy" (Democratic), Crockett, Jasmine (Democratic), Hoyle, Val T. (Democratic), Titus, Dina (Democratic), McClain Delaney, April (Democratic), Mfume, Kweisi (Democratic), Sewell, Terri A. (Democratic), Jacobs, Sara (Democratic), Nadler, Jerrold (Democratic), Johnson, Julie (Democratic), Lynch, Stephen F. (Democratic), Pocan, Mark (Democratic), and Grijalva, Adelita S. (Democratic).
What is the current status of HR 610?
This bill is in committee in the House. Introduced January 22, 2025. It must pass committee before a floor vote.
Where can I track HR 610?
Track HR 610 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on HR 610

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of HR 610

Last checked for changes 3 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →