Protecting Options for Seniors Act of 2025

This bill adjusts Medicare Advantage (MA) payment calculations to address unexpected increases in hospital wage costs. It directly affects MA plans operating in geographic areas where hospital wage indexes rose more than 20% between years, which could lead to underfunded payments. The key mechanism adds a new adjustment requiring Medicare to increase national growth percentages for these areas based on actual wage index changes, calculated using hospital payment data. Related provisions ensure these adjustments don't alter overall payment benchmarks and require transparency by publishing detailed hospital payment data for each area starting in 2026.