H.R.3907 - Expand Navigators’ Resources for Outreach, Learning, and Longevity Act of 2025; ENROLL Act of 2025 (119th Congress)
Summary
H.R.3907, the "Expand Navigators' Resources for Outreach, Learning, and Longevity Act of 2025" or the "ENROLL Act of 2025," aims to amend the Patient Protection and Affordable Care Act (ACA) to enhance the navigator program. The bill introduces additional requirements for navigator programs, particularly concerning the selection of recipients, the scope of their duties, and funding mechanisms. It emphasizes the role of navigators in assisting individuals with enrollment in qualified health plans, state Medicaid plans, and children's health insurance programs.
Expected Effects
The bill will likely lead to increased funding and resources for navigator programs, particularly those operated by community and consumer-focused nonprofit groups. This could result in more individuals gaining access to information and assistance in enrolling in health insurance coverage. The requirement for navigators to maintain a physical presence in the state aims to improve in-person assistance to consumers.
Potential Benefits
- Increased access to healthcare information and enrollment assistance for individuals and families.
- Prioritization of community and consumer-focused nonprofit groups in the navigator program.
- Expanded duties for navigators to include information on Medicaid and CHIP.
- Enhanced public education on the requirements and protections of qualified health plans.
- Requirement for in-person assistance through physical presence in the state.
Potential Disadvantages
- Increased government spending through the allocation of $100 million annually from user fees.
- Potential for increased regulatory burden on navigator programs.
- Possible limitations on the types of entities that can receive grants, potentially excluding some qualified organizations.
- The bill does not address the underlying affordability of healthcare coverage.
- The focus on federal exchanges might overshadow the needs of state-based exchanges.
Most Disadvantaged Areas:
Constitutional Alignment
The bill appears to align with the general welfare clause of the Constitution, as it aims to improve access to healthcare. The expansion of the navigator program and the allocation of funds could be seen as promoting the general welfare by helping individuals obtain health insurance. However, the specific mechanisms and mandates imposed on states and exchanges could raise questions about federalism and the balance of power between the federal government and the states, although these are not explicitly addressed in the provided document or Constitution excerpts.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).