This bill requires insurance companies to sell Medigap supplemental insurance policies to all Medicare beneficiaries regardless of pre-existing health conditions, significantly expanding who can access these policies. Currently, Medigap policies are guaranteed only to people who are age 65 or older, but this legislation extends guaranteed issue to younger Medicare beneficiaries who qualify through disability or other pathways, as well as to people who leave Medicare Advantage plans after at least 12 months of enrollment. The changes take effect January 1, 2025, though the Department of Health and Human Services can phase in implementation over up to five years to minimize disruption. The bill also establishes a one-time six-month enrollment period after the phase-in ends for people who become newly eligible, along with a federal outreach plan to inform beneficiaries about this opportunity. No specific federal funding is allocated in the legislation; the costs would be absorbed through changes to insurance pricing and availability in the private Medigap market.