PlainBillCongress, translated.Legislation. Context. Public interest.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.
Congressional Research Service
No official summary is available in the imported record yet.
People & committees
Rep. Davids, Sharice [D-KS-3] · D–KS
Legislative record
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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.
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.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We also preserved the text version used in the PlainBill explanation below.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Oct 9, 2026. Consult Congress.gov for the current record.
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Analyze H.R.10725 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
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PlainBill explanation
Based on the full Introduced in House · 2026-10-05 text. This explanation has not received human editorial review. This overview describes the proposal’s major provisions; it does not establish what its real-world effects would be.
The proposed Guaranteeing Access to supplemental Plans Act, or GAP Act, would give people eligible for Medicare a yearly opportunity to enroll in supplemental insurance—additional coverage alongside Medicare—beginning January 1, 2028. During that enrollment period, insurers could not refuse to issue a policy, place conditions on issuing it or making it effective, or discriminate in pricing because of a person's health status, medical condition, past insurance claims, or receipt of health care.
This Act may be cited as the Guaranteeing Access to supplemental Plans Act or the GAP Act.
Beginning January 1, 2028, the issuer of a medicare supplemental policy shall provide for a general enrollment period for each year during which any individual eligible for benefits under this title may enroll in any policy offered by the issuer.
During the enrollment period described in paragraph (1), the issuer of a medicare supplemental policy may not 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 in the case of an individual who seeks to enroll in the policy during such period.
Starting January 1, 2028, supplemental insurers would have to offer an enrollment period every year allowing any Medicare-eligible individual to enroll in any policy the insurer offers. The enrollment window would match the annual election period referenced in section 1851(e)(3); the bill does not reproduce its calendar dates.
Beginning January 1, 2028, the issuer of a medicare supplemental policy shall provide for a general enrollment period for each year during which any individual eligible for benefits under this title may enroll in any policy offered by the issuer. Such enrollment period shall be the same as the annual, coordinated election period under section 1851(e)(3) for the year.
For people seeking to enroll during that annual window, insurers could not use health status, past insurance claims, receipt of health care, or medical condition to deny or condition a policy's issuance or effectiveness, or to discriminate in pricing. This proposed protection is expressly tied to enrollment during that period.
(2) Guaranteed issue During the enrollment period described in paragraph (1), the issuer of a medicare supplemental policy may not 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 in the case of an individual who seeks to enroll in the policy during such period.
Violations of the proposed protections against denial, conditions, and pricing discrimination would be subject to the existing provisions of section 1882(s)(4). The supplied text does not reproduce those provisions, so it does not establish the specific penalties or enforcement procedures.
(3) Noncompliance The provisions of subsection (s)(4) shall apply to a failure to meet the requirements of paragraph (2) in the same manner as such provisions apply to a failure to meet the requirements of subsection (s).
Within 30 days after enactment, the Secretary of Health and Human Services would have to update the relevant information in Medicare & You and Welcome to Medicare notices to explain the amendment. This deadline would run from enactment, separately from the January 1, 2028 enrollment requirement.
Not later than 30 days after the date of the enactment of this Act, the Secretary of Health and Human Services shall update the applicable information relating to the Medicare program that is provided in the notices commonly referred to as Medicare & You and Welcome to Medicare pursuant to section 1804 of the Social Security Act (42 U.S.C. 1395b–2) to include information on the effect of the amendment made by this section.
Beginning January 1, 2028, the issuer of a medicare supplemental policy shall provide for a general enrollment period for each year
The supplied actions snapshot, updated October 9, 2026, records introduction in the House on October 5, 2026, and referral that day to the Ways and Means and Energy and Commerce committees for consideration of provisions within their respective jurisdictions.
Source snapshot updated 2026-10-09T20:42:13Z.
2026-10-05: Introduced in House
2026-10-05: 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.
A closer look
Reviewed version: Introduced in House · 2026-10-05. These findings describe provisions and who may benefit; they are not judgments of waste, corruption, or motive.
This review covers the supplied bill text. “None identified” does not rule out provisions in later versions or accompanying reports and disclosures.
Provisions outside the bill’s main subject, or policy changes attached to appropriations.
None identified in the reviewed text
No unrelated provision or policy change attached to appropriations was identified in the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.
Spending directed to particular recipients or places outside ordinary competitive or formula-based allocation.
None identified in the reviewed text
No congressionally directed spending for particular recipients or places was identified in the complete supplied introduced text. This conclusion is limited to that version; accompanying earmark materials and other versions are not supplied.
Narrow exceptions, exemptions, or preferential treatment that warrant a closer look.
None identified in the reviewed text
No materially narrow carve-out, special exemption, or preferential treatment was identified in the complete supplied introduced text. Broad access protections for the policy's intended population do not alone constitute a targeted benefit. This conclusion does not extend to other versions or accompanying materials.
Full text preserved for this analysis. Legislative record snapshot: Oct 9, 2026. How PlainBill uses AI