Short title; table of contents

(a) Short title This Act may be cited as the Restoring Patient Protections and Affordability Act of 2025. (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. TITLE I—Consumer protections Sec. 101. Extension of temporary enhanced premium credits. Sec. 102. Extending annual open enrollment period for plan year 2026. Sec. 103. Restoring navigator program. Sec. 104. Repeal of disallowance of premium tax credit in case of certain coverage enrolled in during special enrollment period. TITLE II—Health plan accountability Sec. 201. Minimum notice requirements for plan year 2025 enrollees. Sec. 202. Minimum notice requirements for plan year 2026 enrollees. Sec. 203. Health insurance issuer reporting requirements. Sec. 204. Enforcement. TITLE III—Eliminating red tape Sec. 301. Applying commercial market policy to reenrollment process. Sec. 302. Protection against bureaucratic coverage denials. Sec. 303. Automatic enrollment from bronze to silver level qualified health plans offered on Exchanges. TITLE IV—Market stabilization Sec. 401. Restoring marketplace flexibility. Sec. 402. No health plan gouging. Sec. 403. Protecting continuity of coverage. Sec. 404. Protecting enrollees from surprise premium bills. Sec. 405. No ACA and employer coverage premium spikes.