H.R. 10725 — GAP Act

This section establishes an annual enrollment period for Medicare supplemental policies beginning January 1, 2028, during which any individual eligible for Medicare may enroll in any policy offered by an issuer. Issuers must accept enrollment and may not deny coverage, impose conditions, or vary premiums based on health status, claims experience, or medical condition. The period aligns with the annual coordinated election period under section 1851(e)(3). It also requires the Secretary of Health and Human Services to update the “Medicare & You” and “Welcome to Medicare” notices within 30 days of enactment to include information on the new period.