H.R. 3665

119th CONGRESS 1st Session

To amend title XVIII of the Social Security Act to limit the penalty for late enrollment under part B of the Medicare Program to 15 percent and twice the period of no enrollment, and to exclude periods of COBRA, retiree, and VA coverage from such late enrollment penalty.

IN THE HOUSE OF REPRESENTATIVES · May 29, 2025 · Sponsor: Ms. Williams of Georgia

Table of contents

• H.R. 3665
  • SEC. 1. Short title
  • SEC. 2. Limiting Medicare part B late enrollment penalty to 15 percent and twice the period of no enrollment
  • SEC. 3. Exclusion of periods of COBRA, retiree, and VA coverage from Medicare part B late enrollment penalty
  • SEC. 4. Special enrollment period for individuals whose COBRA or retiree coverage terminates

SEC. 1. Short title

• This Act may be cited as the Medicare Economic Security Solutions Act.

SEC. 2. Limiting Medicare part B late enrollment penalty to 15 percent and twice the period of no enrollment

• (a) In general
  • The first sentence of section 1839(b) of the Social Security Act () is amended by striking 10 percent of the monthly premium so determined for each full 12 monthsand inserting 15 percent of the monthly premium so determined for premiums paid during a period equal to twice the number of months in each of the full periods of 12 months. 42 U.S.C. 1395r(b)
• (b) Conforming amendments
  • Section 1818 of the Social Security Act () is amended— 42 U.S.C. 1395i–2
    • in subsection (c)(6), by striking ; and
    • in subsection (g)(2)(B), by striking and all that follows and inserting the following: .
• (c) Effective date
  • (1) In general
    • The amendments made by this section shall apply to premiums paid for months beginning after the end of the 90-day period beginning on the date of the enactment of this Act.
  • (2) Clarification
    • In applying these amendments, months (before, during, or after the month in which this Act is enacted) in which an individual was or is required to pay an increased premium shall be taken into account in determining the month in which the premium will no longer be subject to an increase.

SEC. 3. Exclusion of periods of COBRA, retiree, and VA coverage from Medicare part B late enrollment penalty

• (a) In general
  • The second sentence of section 1839(b) of the Social Security Act () is amended— 42 U.S.C. 1395r(b)
    • by striking ; and
    • by inserting before the period at the end.
• (b) Effective date
  • The amendments made by subsection (a) shall apply to premiums paid for months beginning after the end of the 90-day period beginning on the date of the enactment of this Act.

SEC. 4. Special enrollment period for individuals whose COBRA or retiree coverage terminates

• (a) In general
  • Section 1837(i) of the Social Security Act () is amended— 42 U.S.C. 1395p(i)
    • in the first sentence of paragraph (1), by striking in subparagraph (A);
    • in the first sentence of paragraph (2) by striking each place it appears in subparagraphs (B) and (C); and
    • in paragraph (3)(A) by striking .
• (b) Effective date
  • The amendments made by subsection (a) shall apply to terminations of coverage occurring after the end of the 90-day period beginning on the date of the enactment of this Act.