S. 3816 · Where this bill is now
In committee
Introduced in the Senate, Feb 10, 2026
What this bill does
In plain words · AI-written from the official summaryLimits lawsuits over Medicare secondary payment rules
Currently, people can sue various types of insurance plans if those plans don't pay their share when Medicare is supposed to be the backup payer. This bill would narrow that right to sue, allowing it only against group health plans (like employer insurance). It would remove the ability to sue workers' compensation, auto insurance, or no-fault insurance plans for the same issue.
How it affects you
If you have a work injury or car accident covered by those types of insurance, this change could affect your ability to take legal action if the insurance company doesn't coordinate properly with Medicare. The summary doesn't spell out exactly how many people this impacts or what practical difference it makes day-to-day.
Read the official summary (Introduced in Senate, Feb 10, 2026)
Repair Abuses of MSP Payments (RAMP) Act
This bill restricts the private right of action against insurance plans that do not provide appropriate primary payment in cases in which Medicare is a secondary payer.
Current law allows for a private right of action against primary plans that do not provide appropriate primary payment in cases in which Medicare is a secondary payer; this provision applies to group health plans, workers' compensation plans, automobile or liability insurance plans, and no-fault insurance plans. The bill limits this provision to group health plans.
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.
2nd SessionS. 3816
A BILL
Repair Abuses of MSP Payments (RAMP) Act
Sponsor: Sen. Tim Scott (R-SC) · Introduced Feb 10, 2026 · Health · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Feb 10, 2026: “Read twice and referred to the Committee on Finance.”