Changes the federal navigator program for Health Insurance Marketplaces run by the Secretary by setting rules for who gets navigator grants, what navigators must provide, and how much must be funded each year. It requires the federal Exchange to select grantees based on demonstrated capacity, fund at least one community-focused nonprofit annually, provide plain‑language public education about qualified health plans, maintain an in‑state physical presence for in‑person help, and obligate $100,000,000 each fiscal year from issuer user fees for these grants.

These requirements apply to plan years beginning on or after January 1, 2026. The aim is to strengthen outreach and in‑person assistance for consumers enrolling in qualified health plans on federal Exchanges and to ensure predictable grant funding through issuer user fees.