Bill strengthens ACA navigator program with $100M annual funding
H.R. 3907 — ENROLL Act of 2025 · Filed by Kathy Castor (D-FL) · 1 cosponsor · Introduced Jun 11, 2025 · Referred to committee
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What it does
This bill amends the Affordable Care Act to strengthen the navigator program—the federally funded service that helps people enroll in health insurance. It requires federal exchanges to award grants to nonprofits based on their capacity to help people, mandates navigators inform people about Medicaid and CHIP in addition to marketplace plans, requires navigators to conduct public education in plain language, and mandates they maintain physical offices in their states. It also dedicates $100 million annually from health insurer user fees to fund navigators in federal exchanges starting in 2026.
Why we flagged it
The bill's operative mechanism is to strengthen and fund the ACA navigator program—the consumer-assistance infrastructure—by adding duties, selection criteria, and dedicated federal funding. It is a straightforward public-health measure aimed at improving enrollment access.
What the text implies
- Expansion of navigator duties to cover Medicaid and CHIP may increase demand for navigator services beyond current capacity, potentially requiring additional funding or staffing beyond the $100M appropriation.
- Requirement for physical presence in each state may disadvantage rural or sparsely populated areas where in-person navigator offices are costly to maintain relative to population served.
The full analysis lists 4 implications of this text.
Who stands to gain
Community and consumer-focused nonprofit organizations (primary grantees); Navigators and enrollment assistance organizations