Independent Broker Relief and Oversight of Knowingly Egregious and Repetitive Sales Tactics In Medicare Enrollment Act of 2025; Independent BROKERS TIME Act of 2025
Summary
The "Independent Broker Relief and Oversight of Knowingly Egregious and Repetitive Sales Tactics In Medicare Enrollment Act of 2025" aims to regulate independent agents, brokers, and third-party marketing organizations (TPMOs) under Medicare Parts C and D. It mandates the Secretary of Health and Human Services to conduct rulemaking proceedings to update the definition of TPMOs and address predatory call centers. The act also seeks to standardize the registration process for independent agents and brokers and nullify the 48-hour waiting period requirement for independent agents/brokers.
Expected Effects
This act will likely result in stricter oversight of marketing practices related to Medicare enrollment. It aims to protect beneficiaries from misleading or fraudulent activities. The nullification of the 48-hour waiting period could streamline the enrollment process for some beneficiaries.
Potential Benefits
- Increased protection for Medicare beneficiaries from predatory marketing practices.
- A clearer distinction between TPMOs and independent agents/brokers, leading to more appropriate regulation.
- A standardized registration process for independent agents and brokers, reducing regulatory burdens.
- Potential rewards for individuals reporting fraudulent call centers.
- Streamlined enrollment process due to the nullification of the 48-hour waiting period.
Most Benefited Areas:
Potential Disadvantages
- Potential increased regulatory burden on TPMOs, which could increase their operating costs.
- The rulemaking process could be lengthy and complex, delaying implementation.
- The effectiveness of the monetary reward system for reporting fraudulent call centers is uncertain.
- There may be unintended consequences from altering the 48-hour waiting period.
- The definition updates may not fully capture all types of problematic marketing organizations.
Constitutional Alignment
The bill appears to align with the Constitution's general welfare clause (Preamble). Congress has the power to legislate in areas related to healthcare and consumer protection. The required rulemaking process includes public notice and comment, aligning with principles of due process. The act does not appear to infringe on any specific constitutional rights.
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).