S. 2810 · Where this bill is now
In committee
Introduced in the Senate, Sep 16, 2025
What this bill does
In plain words · AI-written from the official summaryLet people skip Medicare without losing Social Security
Currently, if you want to opt out of Medicare hospital services (Part A), you have to give up your Social Security benefits too. This bill would break that link, letting you refuse Medicare coverage on its own. You could also rejoin Medicare later without facing any penalty.
How it affects you
If you're nearing retirement age or already retired, this gives you more flexibility over your benefits. You could decline Medicare hospital coverage while still collecting Social Security, which isn't possible under current rules. And if you change your mind later, you can sign back up for Medicare without extra costs.
Read the official summary (Introduced in Senate, Sep 16, 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 SessionS. 2810
A BILL
Retirement Freedom Act
Sponsor: Sen. Ted Cruz (R-TX) · Introduced Sep 16, 2025 · Health · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Sep 16, 2025: “Read twice and referred to the Committee on Finance.”