The Preserving Patient Access Act aims to protect individuals' access to healthcare providers and prescription drug coverage under Medicare and individual market plans. For Medicare Advantage plans , it allows beneficiaries to switch plans if a healthcare provider they have seen within the past two years, and who was in-network during the election period, subsequently becomes out-of-network. Additionally, the bill addresses Medicare prescription drug plans by establishing protections against mid-year negative formulary changes for drugs previously covered and dispensed to beneficiaries. The legislation also creates a special enrollment period for individuals in the individual health insurance market . This period is triggered if a patient's in-network provider becomes out-of-network or if their plan implements a negative formulary change for a drug they have recently used. These changes are designed to provide greater flexibility and continuity of care, taking effect for plan years beginning on or after January 1, 2027 .