Independent BROKERS TIME Act of 2025

This bill, titled the Independent BROKERS TIME Act of 2025, directs the Secretary of Health and Human Services to undertake several rulemaking proceedings concerning Medicare Parts C and D. One key proceeding will update the definition of a Third-Party Marketing Organization (TPMO) to clearly distinguish it from an independent agent or broker, ensuring that TPMO lead generation activities meet licensed insurance agent compliance standards. Another rulemaking will establish a monetary reward for individuals who report predatory call centers engaged in Medicare marketing scams. Furthermore, the Secretary must create a standardized registration process for independent agents and brokers , ensuring transparency in differentiating them from TPMOs and reducing regulatory burdens for existing customer relationships. The bill also explicitly nullifies the 48-hour waiting period requirement between a Scope of Appointment agreement and a meeting between an independent agent/broker and a Medicare beneficiary. Finally, it mandates the Inspector General of HHS to conduct a review and submit a report to Congress on potentially fraudulent or misleading marketing practices by predatory call centers related to the Medicare program, including recommendations for action.