Congress funds navigator program to expand health insurance enrollment access
S. 2024 — ENROLL Act of 2025 · Filed by Tammy Baldwin (D-WI) · 10 cosponsors · 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 counselors who help people enroll in health insurance. It requires federal exchanges to award grants based on demonstrated capacity, mandates at least one community nonprofit navigator per state, expands navigators' duties to include Medicaid and CHIP enrollment and public education, requires navigators to maintain physical presence in their states, and dedicates $100 million annually from health insurer user fees to fund federal-exchange navigators starting in 2026.
Why we flagged it
The bill's operative mechanism is a straightforward amendment to the ACA navigator statute, adding selection criteria, expanded duties, and dedicated federal funding. It is a public-health infrastructure bill, not a tax measure, deregulation, or private carve-out.
What the text implies
- Expansion of navigator duties to Medicaid and CHIP may increase enrollment in those programs, shifting some uninsured individuals into public coverage and potentially reducing uncompensated care costs borne by hospitals.
- Requirement for physical presence in-state may favor larger, established nonprofits over smaller or remote-service models, concentrating navigator funding among fewer entities.
The full analysis lists 3 implications of this text.
Who stands to gain
community and consumer-focused nonprofit organizations (navigator grantees); Medicaid and CHIP programs (expanded enrollment assistance)