Health Coverage Choice Act
Health Coverage Choice Act
Plain Language Summary
# Health Coverage Choice Act Summary **What the bill would do:** This bill would allow short-term health insurance plans to last longer than they currently do. Under existing rules, these temporary plans can only cover someone for up to 4 months total. The bill would extend that to allow initial coverage periods of less than 12 months, with a maximum total duration of 36 months (including renewals).
These are low-cost, temporary insurance plans typically used by people between jobs or waiting for other coverage to begin. **Who it affects:** The bill primarily affects individuals seeking temporary health insurance coverage and insurance companies that offer these short-term plans. It could potentially impact people who use these plans as an alternative to longer-term insurance options. **Current status:** The bill was introduced in the 119th Congress by Representative Andy Biggs (R-Arizona) and is currently in committee, meaning it hasn't yet been debated or voted on by the full House of Representatives.
CRS Official Summary
Health Coverage Choice ActThis 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.
Latest Action
Referred to the House Committee on Energy and Commerce.