The Stabilize Medicaid and CHIP Coverage Act would extend continuous health insurance enrollment protections to all Medicaid and Children's Health Insurance Program (CHIP) beneficiaries for a full 12 months, regardless of age. Currently, these protections apply only to children under 19, but this bill would expand them to cover adults as well, preventing people from losing coverage due to administrative gaps or temporary changes in circumstances. The legislation modifies the federal rules governing both programs to treat all eligible individuals the same way regarding continuous coverage, ensuring more stable and uninterrupted access to health insurance. The bill takes effect on the first day of the first fiscal quarter beginning on or after December 31, 2026, giving states time to prepare their systems and procedures for implementation. This change would primarily affect low-income individuals and families who rely on Medicaid and CHIP for their health coverage.
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