H.R. 10959 – Right to Re-Enroll Act of 2026

AI-Generated Summary

Updated November 7, 2026 at 4:21 AM UTC

The Right to Re‑Enroll Act of 2026 would change the Affordable Care Act so that health‑insurance exchanges must offer a special enrollment period when a plan’s network loses a provider or facility. It applies to anyone enrolled in a marketplace (exchange) health plan and aims to protect them from losing coverage or facing higher costs when their usual doctors leave the plan’s network.

Key Provisions

Adds a new rule that triggers a special enrollment period if a plan’s contract with any network provider or facility ends, regardless of why it ends, for plan years starting Jan. 1, 2027.
Requires exchanges to give affected enrollees a 60‑day window, beginning on the date the contract ends, to switch to another qualified health plan.
Mandates that plans continue to cover services from the discontinued provider at the same cost‑sharing level as if the contract had not ended, provided the member used the provider within the 90‑day period before termination or was assigned to that provider.
Requires the plan to notify each affected enrollee within 7 days of the network change, explaining eligibility for the special enrollment period, how to enroll, and that switching plans will reset any deductible or out‑of‑pocket amounts.

Legislative Activity

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1 earlier action

HouseIntro Referral Latest Action

Referred to the House Committee on Energy and Commerce.

Energy and Commerce Committee

November 5, 2026

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HouseIntro Referral

Introduced in House

November 5, 2026

HouseIntro Referral

Referred to the House Committee on Energy and Commerce.

Energy and Commerce Committee

November 5, 2026

Bill Text

Latest available legislative text

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Introduced in HouseIssued November 5, 2026

I

119th CONGRESS

2d Session

H. R. 10959

IN THE HOUSE OF REPRESENTATIVES

November 5, 2026

Ms. Salinas (for herself and Mr. Mackenzie) introduced the following bill; which was referred to the Committee on Energy and Commerce

A BILL

To amend the Patient Protection and Affordable Care Act to require Exchanges to provide for special enrollment periods related to changes in plan provider networks.

1.

Short title

This Act may be cited as the Right to Re-Enroll Act of 2026.

2.

Requiring Exchanges to provide for special enrollment periods related to changes in plan provider networks

Section 1311(c) of the Patient Protection and Affordable Care Act (42 U.S.C. 18031(c)) is amended—

(1)

in paragraph (1)—

(A)

in subparagraph (H), by striking and at the end;

(B)

in subparagraph (I), by striking the period at the end and inserting ; and; and

(C)

by adding at the end the following new subparagraph:

(J)

in the case that the contractual relationship between such plan and a provider or facility that was part of the provider network of such plan is discontinued (irrespective of whether such contractual relationship is discontinued due to a termination for cause or without cause, or due to a non-renewal) with respect to a plan year beginning on or after January 1, 2027—

(i)

provide that an individual who receives items or services from such provider or facility during the special enrollment period described in paragraph (6)(E) shall receive benefits under such plan under the same terms and conditions as would have applied and may not incur cost-sharing expenses for such items or services that exceed the amount of cost-sharing expenses that such individual would have incurred with respect to such items or services if such contractual relationship were not discontinued if—

(I)

such provider or facility furnished items or services to such individual during the 90-day period ending on the date on which such contractual relationship is discontinued; or

(II)

such individual was assigned by such plan to such provider or facility as of such date; and

(ii)

send a notice as soon as practicable, but not later than 7 days after the date on which such contractual relationship is discontinued, to each individual enrolled in such plan that—

(I)

informs such individual that the individual is eligible to enroll during the special enrollment period described in paragraph (6)(E);

(II)

explains how to enroll during such special enrollment period; and

(III)

explains that enrolling in a different qualified health plan during such special enrollment period will reset any amounts applied toward any deductible or out-of-pocket limit applicable to such individual.

; and

(2)

in paragraph (6)—

(A)

in subparagraph (C), by striking and at the end;

(B)

in subparagraph (D), by striking the period at the end and inserting ; and; and

(C)

by adding at the end the following new subparagraph:

(E)

with respect to plan years beginning on or after January 1, 2027, in the case of a qualified health plan with respect to which the contractual relationship between such plan and a provider or facility that was part of the provider network of such plan is discontinued (irrespective of whether such contractual relationship is discontinued due to a termination for cause or without cause, or due to a non-renewal), special enrollment periods during which an individual enrolled in such plan may enroll in a qualified health plan during the 60-day period beginning on the date on which such contractual relationship is discontinued.

.