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To allow individuals to choose to opt out of the Medicare part A benefit.
Summary
This bill allows individuals to voluntarily opt out of Medicare Part A (hospital insurance) benefits. Those who choose to opt out can later change their decision and re-enroll in Part A without incurring penalties. Opting out of Medicare Part A does not require individuals to also give up Social Security retirement benefits, and they do not have to repay any Medicare Part A benefits they received before making the opt-out election. The Secretary of Health and Human Services would establish the procedures for how individuals can make and change these elections.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Sen. Cruz, Ted [R-TX] (R-TX)
1 cosponsor
- Sen. Lee, Mike [R-UT] (R-UT)
Money behind the sponsor
Top reported contributors to Ted Cruz’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $4,424,745
- ENTREPRENEUR $458,096
- RDV CORPORATION $39,600
- AMERICAN AIRLINES $29,632
- BLACKSTONE $27,400
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Ted Cruz → · Outside spending →
Actions (2)
- Sep 16, 2025 Read twice and referred to the Committee on Finance. · senate
- Sep 16, 2025 Introduced in Senate
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE SENATE OF THE UNITED STATES
September 16, 2025
Mr. Cruz (for himself and Mr. Lee) introduced the following bill; which was read twice and referred to the Committee on Finance
A BILL
To allow individuals to choose to opt out of the Medicare part A benefit.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Retirement Freedom Act”.
SEC. 2. ALLOWING INDIVIDUALS TO CHOOSE TO OPT OUT OF THE MEDICARE PART A BENEFIT.
Any individual who is otherwise entitled to benefits under part A of title XVIII of the Social Security Act may elect (in such form and manner as may be specified by the Secretary of Health and Human Services) to opt out of such entitlement. Notwithstanding any other provision of law, in the case of an individual who makes such an election, such individual—
(1) may (in such form and manner as may be specified by the Secretary) subsequently choose to end such election and opt back into such entitlement (in accordance with a process determined by the Secretary) without being subject to any penalty;
(2) shall not be required to opt out of benefits under title II of such Act as a condition for making such election; and
(3) shall not be required to repay any amount paid under such part A for items and services furnished prior to making such election. <all>
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