The ENROLL Act strengthens the health insurance navigator program under the Affordable Care Act by expanding the services these counselors provide and increasing their funding. The bill requires navigators to help consumers understand not just private health plans but also Medicaid and children's health insurance programs, conduct public education campaigns, maintain in-person offices in their states, and perform outreach activities throughout the year rather than just during open enrollment periods. The legislation directs the federal government to fund navigators in federal health insurance exchanges with $100 million annually starting in fiscal year 2026, with those funds remaining available until spent, and prioritizes awarding grants to community-based nonprofit organizations. These changes take effect for health insurance plans beginning January 1, 2026, and affect millions of Americans who use navigators to find and enroll in health coverage.
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