Protecting Access to Affordable Coverage Act of 2025

This bill changes federal health insurance marketplace rules under the Affordable Care Act. It requires the open enrollment period for 2026 coverage to begin by November 1, 2025, and last until at least May 1, 2026. It repeals certain enrollment verification requirements added by a 2025 law and creates a monthly special enrollment period for people eligible for premium tax credits with household incomes at or below 150 percent of the poverty line. It also requires marketplaces to fund at least one in-state navigator group each year, bars navigators from charging fees or being enhanced direct enrollment entities, and directs $100 million per year from insurer user fees to navigator grants in states using the federal marketplace.

Full text and official record on Congress.gov

Sponsors

• Chris Pappas Democrat sponsor
• 5 cosponsors