Bill Details
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This bill would set a clear federal definition for “short-term limited duration insurance,” which is a type of health coverage meant to last for a shorter period than regular health plans. Under the bill, this coverage would have to end less than 12 months after it starts, and even with renewals or extensions, it could not last more than 3 years total. The goal is to give a clearer rule for this kind of insurance and how long it can be sold for.
- The bill changes the Public Health Service Act to add this definition.
- It says the insurance contract must have an expiration date that is less than 12 months after it first begins.
- It also says the coverage, including any renewals or extensions, cannot last longer than 3 years from the start date.
Official Summaries
Health Coverage Choice Act
This bill extends the maximum duration of short-term, limited-duration health insurance plans. The bill increases the maximum authorized initial term of such plans to a period that is less than 12 months (with a total duration of no more than 36 months, including renewals).
Current regulations limit the initial term to no more than three months and the maximum coverage duration to no more than four months, including renewals or extensions.
Current Full Text
[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 90 Introduced in House (IH)]
<DOC>
119th CONGRESS
1st Session
H. R. 90
To amend title XXVII of the Public Health Service Act to provide for a
definition of short-term limited duration insurance, and for other
purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
January 3, 2025
Mr. Biggs of Arizona introduced the following bill; which was referred
to the Committee on Energy and Commerce
_______________________________________________________________________
A BILL
To amend title XXVII of the Public Health Service Act to provide for a
definition of short-term limited duration insurance, and for other
purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Health Coverage Choice Act''.
SEC. 2. DEFINITION OF SHORT-TERM LIMITED DURATION INSURANCE.
Section 2791(b) of the Public Health Service Act (42 U.S.C. 300gg-
91(b)) is amended by adding at the end the following new paragraph:
``(6) Short-term limited duration insurance.--The term
`short-term limited duration insurance' means health insurance
coverage provided under a contract with a health insurance
issuer that--
``(A) has an expiration date specified in the
contract that is less than 12 months after the original
effective date of the contract; and
``(B) has a duration of not more than 3 years
(taking into account renewals or extensions) after the
original effective date of the contract.''.
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