RAMP Act

This bill, called the Repair Abuses of MSP Payments Act, would narrow who can be sued when another insurance plan should pay before Medicare. Today, private parties can sue any “primary plan” that doesn’t pay first when Medicare is supposed to be secondary, including group health, workers’ comp, auto or liability, and no‑fault insurance. The bill changes the law so that these private lawsuits can be brought only against group health plans, not against the other types of insurance.

In plain terms, this reduces who can be held directly responsible in court by patients, families, or other private parties when Medicare is not supposed to pay first. It focuses accountability on group health plans and removes it from auto, liability, no‑fault, and workers’ comp insurers under this particular legal pathway.

• Who is affected: Medicare beneficiaries, group health plans, and insurers like auto, liability, no‑fault, and workers’ comp.
• What changes: Private lawsuits for failing to pay before Medicare are limited to group health plans by replacing “primary plan” with “group health plan” in the law.
• Why it matters: It may become harder for private parties to recover from non‑health insurance carriers in these situations, while group health plans remain on the hook.