H.R. 2793 · Where this bill is now
In committee
Introduced in the House, sent to the Committee on Ways and Means, Apr 9, 2025
What this bill does
In plain words · AI-written from the official summaryOpt out of Medicare without losing Social Security
Right now, if you want to skip Medicare hospital services, you have to give up your Social Security benefits too. This bill changes that rule. It would let you choose to opt out of just the hospital part of Medicare while keeping your Social Security income. You could also rejoin Medicare later without any penalties.
How it affects you
This would directly affect people who are eligible for both Medicare and Social Security—mainly people 65 and older. If you have other health insurance or prefer different coverage, you'd have the freedom to decline Medicare's hospital services while still collecting your Social Security checks, something you can't do under current rules.
Read the official summary (Introduced in House, Apr 9, 2025)
Retirement Freedom Act
This bill allows an individual to opt out of Medicare hospital services benefits without also having to opt out of Social Security benefits and without having to repay Medicare hospital services benefits already received. The bill also allows an individual to opt back in with no penalty.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionH. R. 2793
A BILL
Retirement Freedom Act
Sponsor: Rep. Gary J. Palmer (R-AL-6) · Introduced Apr 9, 2025 · Health · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Apr 9, 2025: “Referred to the House Committee on Ways and Means.”