GAP Act
Creates an annual enrollment period for Medicare supplemental policies and adds protections against health-based denials and pricing.
In two House committees since Oct. 5, 2026, 3 days after it was introduced. Most bills never leave committee.
- INTRODUCEDINTROOCT 5, 2026
- COMMITTEECOMM.IN COMMITTEE
- HOUSEHOUSE—
- SENATESENATE—
- LAWLAW—
What the bill would do, and why it matters
Medicare supplemental policies are insurance options for people eligible for Medicare. The GAP Act would create an annual period when eligible people could enroll in any supplemental policy an issuer offers, with protections against health-based denials and pricing. It would also require updates to two Medicare information notices.
- INTRODUCED ONLY This bill has been introduced and possibly referred to a committee, but it has not passed any vote. Most introduced bills never become law — they die in committee without a hearing.
- DATA NOTE No Congressional Research Service summary was available.
- Create an annual enrollment period
Beginning January 1, 2028, Medicare supplemental policy issuers would have to let any Medicare-eligible individual enroll in any policy they offer during the annual period that matches Medicare’s coordinated election period. During that period, issuers could not deny coverage, limit when coverage takes effect, or set discriminatory prices based on health status, claims experience, receipt of health care, or medical condition.
- Update Medicare information notices
Within 30 days after enactment, the Secretary of Health and Human Services would have to update the “Medicare & You” and “Welcome to Medicare” notices to explain the effect of the new enrollment rules.
The bill would create a recurring opportunity for Medicare-eligible people to seek supplemental coverage without certain health-related barriers during that enrollment period. Its practical effect would depend on which policies issuers offer and whether eligible people choose to enroll.
Written from the bill text.
The path it took, step by step
- IntroducedOCT 5, 2026HOUSEOCT 5, 2026By Rep. DavidsReferred to Energy and Commerce and Ways and Means
- SAME DAYNOWHouse committeesOCT 5, 2026ENERGY & COMMERCE · WAYS & MEANS NOWOCT 5, 2026In committee for 3 daysNo hearing yet
- 3 DAYS SO FARPassed the House—HOUSE FLOOR—Not scheduled
- Senate committee—SENATE—
- Passed the Senate—SENATE FLOOR—Not scheduled
- Resolve differencesONLY IF NEEDEDBOTH CHAMBERSONLY IF NEEDEDSkipped if the other chamber passes the same text
- Signed into law—PRESIDENT—10 days to sign or veto
- OCT 52026OCT 5, 2026REFERREDReferred 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.
- OCT 52026OCT 5, 2026INTRODUCEDHOUSEIntroduced in House
At day 3, this bill is already older than 3% of the laws passed this Congress were when they were signed.
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