# 119-hr-610: Close the Medigap Act of 2025

119-hr-610, Close the Medigap Act of 2025, is a 119th Congress bill sponsored by Rep. Doggett, Lloyd [D-TX-37] (D-TX); status introduced; PRIA reads it as touching household money (as of 2026-09-23).

- Canonical: https://policyrisk.com/legislation/119-hr-610
- As of: 2026-09-23
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-610
- Congress: 119
- Title: Close the Medigap Act of 2025
- Status: introduced
- Introduced: 2025-01-22
- Sponsor: Rep. Doggett, Lloyd [D-TX-37] (D-TX)
- Cosponsors: 45
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-09-23

## Summary

**Expands guaranteed-issue rights for Medigap.** This bill would make it harder for Medigap insurers to deny coverage or exclude preexisting conditions and would restore first-dollar coverage while adding pricing limits, clearer plan data, and broker reporting. - Medicare beneficiaries would gain broader access to Medigap policies. Denials, underwriting, preexisting condition exclusions, and many waiting periods would be prohibited with full implementation phased in by January 1, 2031. - Insurers would face stricter pricing standards and periodic medical loss ratio reviews. Minimum MLRs stay at 75% for group policies and 65% for individual policies before 2026 and for periods starting January 1, 2026 MLRs could not be lower than those levels or NAIC-recommended percentages. - Consumers would see richer plan information on the Medicare Plan Finder like provider networks and out-of-pocket estimates with periodic updates starting by January 1, 2026 and annual public comment. Brokers would need to file annual transparency reports on payments and transfers with a 12-month kickoff period.

## Cosponsors (45)

- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-01-22T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-01-22T00:00:00.000Z
- Rep. Casar, Greg [D-TX-35] (D-TX), 2025-01-22T00:00:00.000Z
- Rep. Casten, Sean [D-IL-6] (D-IL), 2025-01-22T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2025-01-22T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-01-22T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-01-22T00:00:00.000Z
- Rep. DeLauro, Rosa L. [D-CT-3] (D-CT), 2025-01-22T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-01-22T00:00:00.000Z
- Rep. Espaillat, Adriano [D-NY-13] (D-NY), 2025-01-22T00:00:00.000Z
- Rep. Fletcher, Lizzie [D-TX-7] (D-TX), 2025-01-22T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2025-01-22T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2025-01-22T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2025-01-22T00:00:00.000Z
- Rep. Jayapal, Pramila [D-WA-7] (D-WA), 2025-01-22T00:00:00.000Z
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-01-22T00:00:00.000Z
- Rep. Kaptur, Marcy [D-OH-9] (D-OH), 2025-01-22T00:00:00.000Z
- Rep. Khanna, Ro [D-CA-17] (D-CA), 2025-01-22T00:00:00.000Z
- Rep. Lee, Summer L. [D-PA-12] (D-PA), 2025-01-22T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-01-22T00:00:00.000Z
- Rep. Ocasio-Cortez, Alexandria [D-NY-14] (D-NY), 2025-01-22T00:00:00.000Z
- Rep. Pressley, Ayanna [D-MA-7] (D-MA), 2025-01-22T00:00:00.000Z
- Rep. Ramirez, Delia C. [D-IL-3] (D-IL), 2025-01-22T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2025-01-22T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-01-22T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2025-01-22T00:00:00.000Z
- Rep. Tonko, Paul [D-NY-20] (D-NY), 2025-01-22T00:00:00.000Z
- Rep. Veasey, Marc A. [D-TX-33] (D-TX), 2025-01-22T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-01-22T00:00:00.000Z
- Rep. Williams, Nikema [D-GA-5] (D-GA), 2025-01-22T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2025-01-22T00:00:00.000Z
- Rep. Crockett, Jasmine [D-TX-30] (D-TX), 2025-01-23T00:00:00.000Z
- Rep. Hoyle, Val T. [D-OR-4] (D-OR), 2025-01-23T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-01-23T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-02-04T00:00:00.000Z
- Rep. Mfume, Kweisi [D-MD-7] (D-MD), 2025-02-10T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2025-02-10T00:00:00.000Z
- Rep. Jacobs, Sara [D-CA-51] (D-CA), 2025-03-03T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2025-03-06T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2025-03-25T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2025-04-10T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2026-02-02T00:00:00.000Z
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2026-02-03T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2026-09-14T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2026-09-21T00:00:00.000Z

## Provisions PRIA read

- First-dollar Medigap coverage returns: benefit, high. The bill would remove the rule that blocks first‑dollar Medigap coverage. If enacted, some Medigap plans could pay costs from the first dollar, which could lower your deductibles and copays if you buy those plans.
- No health-based denials for Medigap: benefit, high. If enacted, Medigap insurers would not be allowed to deny you a policy, add waiting periods, or charge more because of your health, past care, or genetic information. This would apply to policies effective on or after January 1, 2026, with a phase‑in of up to five years and full effect by January 1…
- Better Medicare Plan Finder and broker reports: benefit, medium. CMS would review and update the Medicare Plan Finder by January 1, 2026, and then on a regular schedule. The site would show provider networks and a clear breakdown of deductibles, copays, coinsurance, premiums, and estimated yearly costs, plus state guaranteed‑issue rules before January 1, 2026. C…
- Fairer Medigap pricing and value rules: benefit, medium. Starting January 1, 2026, HHS would seek updated NAIC standards so Medigap prices are not set by age, by parts of a county, or in ways that block access for certain eligible groups. These pricing rules would apply to people who first get Part A or first enroll in Part B on or after that date. For m…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025
- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-1810: Safe Schools Improvement Act
- 119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025
- 119-hr-51: Washington, D.C. Admission Act

## Sources
- [119-hr-610 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/610)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-1810: Safe Schools Improvement Act](https://policyrisk.com/legislation/119-hr-1810)
- [119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-hr-14)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-610 (as of 2026-09-23).