HB3907, the ENROLL Act of 2025, would amend the Affordable Care Act’s navigator program to add new requirements for entities that help consumers enroll in coverage through health insurance exchanges. For federally facilitated exchanges, the bill would require grant recipients to be selected based on demonstrated ability to perform navigator duties, ensure at least one community- and consumer-focused nonprofit receives a grant each year, and prohibit the selection process from considering whether an entity helps people understand group health plans that are not qualified health plans.
The bill also expands the scope of navigator duties. Navigators would be required to provide information not only about qualified health plans, but also about Medicaid and the Children’s Health Insurance Program (CHIP), and to conduct public education in plain language about the requirements and protections of qualified health plans. It further clarifies that these duties may be performed at any time during the year.
HB3907 would also tighten operational standards for navigators by requiring them to maintain a physical presence in the state of the exchange so they can provide in-person assistance. In addition, it would create a dedicated funding provision for federally facilitated exchanges, directing the Secretary of Health and Human Services to obligate $100 million from exchange user fees for fiscal year 2026 and each year thereafter, with funds available until expended. The amendments would take effect for plan years beginning on or after January 1, 2026.
The bill’s impact would be to strengthen and expand the ACA navigator program, especially in federally run exchanges, by increasing funding, broadening outreach responsibilities, and emphasizing local, in-person consumer assistance. It would amend Section 1311(i) of the Patient Protection and Affordable Care Act and affect exchange administration, navigator grant criteria, and the use of user-fee revenue collected from participating insurers.
No committee debate or votes are provided in the record, so there is no documented legislative sentiment or opposition in the materials supplied. Based on the text alone, the bill appears designed to improve enrollment assistance and consumer outreach, while potential points of contention could include the mandatory funding level, the requirement for physical presence, and the restriction on how navigator applicants are evaluated.
The bill would amend Section 1311(i) of the Affordable Care Act to revise navigator grant selection criteria, expand navigator duties to include Medicaid and CHIP outreach, require plain-language public education, mandate in-state physical presence for in-person assistance, and direct $100 million annually in user-fee funding for federally facilitated exchanges beginning in FY 2026. It would affect exchange administrators, navigator organizations, and consumers seeking coverage through ACA marketplaces, Medicaid, and CHIP.
No committee transcript or vote record is available, so there is no direct evidence of support or opposition in the provided materials. The bill’s stated purpose suggests a pro-consumer, outreach-focused approach aimed at improving enrollment assistance and access to coverage, particularly through community-based navigators and in-person help.
Because there are no recorded hearings or votes, specific objections are not documented. Likely areas of debate include the new $100 million funding obligation, whether requiring physical presence could limit eligible navigator organizations, and whether the bill’s selection rules and expanded duties could constrain exchange discretion or increase administrative burden.