ENROLL Act of 2025

This bill strengthens the health insurance “navigator” program that helps people enroll in coverage on the federal marketplace. It tells the marketplace to choose navigator groups based on how well they can do the job, to award at least one grant each year to a community- and consumer‑focused nonprofit, and not to judge groups by whether they share information about non‑ACA group plans. Navigators must offer plain‑language public education about plan rules and protections, and they may do their work year‑round. They also need a local, in‑state presence so people can get in‑person help.

The bill sets steady funding for federal marketplaces: $100 million each year from insurer user fees, starting in fiscal year 2026, with funds available until spent. These changes take effect for plan years beginning on or after January 1, 2026.

Key points

• Who is affected: People using the federal marketplace and the navigator organizations that help them enroll.
• What changes: More plain‑language outreach, guaranteed in‑person help, at least one community nonprofit grantee each year, and year‑round assistance.
• Funding: $100 million per year from insurer user fees for federal exchanges, starting FY 2026.
• When: Applies to plan years starting January 1, 2026.