hold on there's just too much going on in Congress lmao...
Limits legal action against certain insurers regarding Medicare payments.
Senators Scott (R-SC) and Hassan (D-NH).
Introduced in Senate, no vote yet.
This bill, named the "Repair Abuses of MSP Payments (RAMP) Act," proposes to narrow existing law regarding when individuals can sue insurance companies for not correctly paying medical bills where Medicare is involved. It specifically limits this legal right to only group health plans, removing it for other types of insurance like auto or workers' compensation. Introduced by Senator Scott (R-SC) and Senator Hassan (D-NH), it is currently in a Senate committee and awaits further action.
Introduced Feb 10, 2026
This bill was introduced in the Senate on February 10, 2026, by Senator Scott of South Carolina and Senator Hassan of New Hampshire. It has been referred to the Senate Committee on Finance for review and consideration. For it to become law, it must pass both the Senate and the House of Representatives and then be signed by the President.
If this bill becomes law, individuals using Medicare would lose the ability to sue certain insurers, specifically workers' compensation, automobile, and liability insurance plans. Currently, you can sue them if they fail to pay before Medicare does. This bill would remove that option, limiting private lawsuits only to group health plans. Consequently, these specific insurance companies would face less legal risk, and Medicare's process for recovering payments might shift.
Supporters Say
Supporters likely argue this bill reduces unnecessary litigation and administrative burdens on certain non-group health insurers, potentially lowering costs for those plans.
Critics Say
Critics might argue it weakens consumer protections by removing a crucial enforcement mechanism, potentially shifting costs to Medicare and taxpayers.
Proponents may suggest that narrowing the private right of action streamlines the process for Medicare Secondary Payer (MSP) recovery, perhaps by focusing enforcement on larger group health plans or through direct administrative channels. Opponents could contend that removing this private recourse diminishes the power of individuals to ensure other insurers fulfill their financial responsibilities, potentially leading to increased out-of-pocket costs or a greater strain on Medicare funds.