Amends the Affordable Care Act’s Exchange navigator program rules for federally run Exchanges. It changes how navigator grants are selected and awarded, requires grantees to provide plain‑language public education about qualified health plans and maintain an in‑state physical location for in‑person help, and directs the Secretary to obligate $100,000,000 per year for federally‑operated Exchanges beginning in fiscal year 2026. These changes apply to plan years beginning on or after January 1, 2026.