NABIP-TX Applauds Bipartisan Introduction of the Independent BROKERS TIME Act of 2025 and Court Decision Protecting Broker Compensation
The Texas chapter of the National Association of Benefits and Insurance Professionals (NABIP-TX) commends both Congress and the courts for actions that protect seniors’ access to trusted, licensed insurance professionals.
On August 18, Senators Mike Rounds (R-SD) and Catherine Cortez Masto (D-NV) introduced the Independent Broker Relief and Oversight of Knowingly Egregious and Repetitive Sales Tactics in Medicare Enrollment Act of 2025, known as the Independent BROKERS TIME Act of 2025 (S. 2625).
The legislation addresses urgent issues impacting seniors and the professionals who serve them by:
• Clarifying the definition of Third Party Marketing Organizations (TPMOs) to distinguish independent agents and brokers from large, unregulated call centers.
• Strengthening oversight of call centers, including whistleblower rewards.
• Creating a standardized registration process for independent brokers and carriers to reduce redundant and inconsistent compliance requirements
• Eliminating the 48-hour waiting period rule, which delays seniors’ ability to meet with a trusted professional.
• Directing the HHS Inspector General to review and report on harmful call center practices targeting Medicare beneficiaries.
“Texans deserve clear, professional guidance when navigating Medicare options,” NABIP-TX President Scott Long stated. “This bill helps ensure seniors can rely on licensed, independent brokers while reducing unnecessary compliance burdens.”
In a separate development, U.S. District Judge Reed O’Connor recently vacated two provisions of CMS’s 2024 Compensation Rule: the Fixed Fee requirement and the Contract-Terms Restriction. Had they taken effect, these provisions would have redefined compensation for insurance agents and brokers to include administrative payments and capped all compensation at a fixed national rate.
Such restrictions would have decreased earnings for licensed agents and eliminated incentives for brokers to specialize in products tailored to seniors’ needs. NABIP-TX applauds the court’s decision, which protects fair compensation and ensures the continued vitality of the profession.
Together, these wins highlight NABIP-TX’s commitment to defending both consumer protection and professional advocacy. By curbing deceptive marketing while safeguarding fair broker compensation, policymakers and the courts have reinforced the essential role independent brokers play in helping Texans access quality, affordable healthcare coverage.
About NABIP-TX
NABIP-TX is the Texas chapter of the National Association of Benefits and Insurance Professionals, representing thousands of licensed health insurance agents, brokers, and benefits consultants across the state. Our members work daily to ensure that Texans have access to high-quality, affordable healthcare and benefits.
