New state-based model policies aim to simplify enrollment into the Medicare Savings Programs; public comment period now open
Washington, D.C. — The Aging & Disability Health Policy Lab today announced its first major policy initiative: a set of model policies designed to help states simplify access to Medicare Savings Programs (MSPs), which provide critical financial assistance to older adults and people with disabilities with low incomes. The Lab is inviting public comment on the policies through July 10. This release marks the Lab’s inaugural effort to advance practical, nonpartisan solutions that make health care more affordable and accessible.
“This first initiative reflects what the Lab is about: practical solutions that can make tangible improvements in the lives of older adults and people with disabilities,” said Tim Engelhardt, executive director for the Aging & Disability Health Policy Lab. “Simplifying access to Medicare Savings Programs is one of the most direct ways states can reduce health care costs for those who need it most.”
Medicare provides health coverage to more than 69 million Americans, yet the program’s premium and cost-sharing structure leaves many beneficiaries exposed to significant financial hardship. In 2026, the standard Medicare Part B premium alone represents more than 15% of monthly income for individuals living at or below the federal poverty level, and overall health care costs consume a substantial share of Social Security income for both older adults and people with disabilities.
MSPs help address this burden, covering premiums and reducing cost sharing for more than 10 million people with low incomes. However, millions of eligible individuals are not enrolled due to complex application processes and administrative barriers.
“On our national helpline, we receive thousands of calls each year from people who are struggling to enroll in coverage and access Medicare,” said Fred Riccardi, president of the Medicare Rights Center. “As we work to connect people with the MSPs, state rules often force people in need to navigate complex rules, onerous application processes, and confusing communications.”
“Medicare is a lifeline for millions of Americans with disabilities, and the MSPs help people with disabilities with limited incomes afford healthcare,” said Marlene Sallo, J.D., executive director of the National Disability Rights Network. “Simplifying access to this program would further empower people with disabilities to live in their communities with dignity and autonomy.”
MSP enrollment can save beneficiaries more than $8,000 annually and is associated with improved access to care and better health outcomes. Public comments on the model policies are open through July 10. To review the proposals and submit feedback, visit https://adhealthpolicylab.org/topics/simplifying-access-to-the-medicare-savings-programs/.
About the Aging & Disability Health Policy Lab
The Aging & Disability Health Policy Lab advances practical state and federal policies to make health care and home and community-based services more accessible for older adults and people with disabilities. The Lab is housed at the National Academy of Social Insurance and its work is made possible by initial support from The SCAN Foundation.
Contact: Sabrina Saddiqui, Sabrina@SiddiquiAdvisory.com (713-906-1363)