To amend title XXVII of the Public Health Service Act to ensure the appropriate availability of short-term limited duration insurance.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
The bill amends the Public Health Service Act to create a statutory definition of short-term limited duration insurance that allows these plans to be renewed or extended for up to 3 years total, even though individual contract. It relies on definition changes. The main policy areas are Finance and Health Insurance.
Who Benefits and How
Health insurance companies offering short-term limited duration plans could face lower compliance burdens, Health insurance brokers and agents selling short-term plans could gain revenue opportunities, and Healthy consumers seeking low-cost coverage could see lower costs.
Who Bears the Burden and How
ACA marketplace health insurers offering comprehensive plans could lose revenue opportunities, Consumers with pre-existing conditions could face higher costs, and State insurance departments and regulators would take on compliance duties.
Key Provisions
- Amends the Public Health Service Act to create a statutory definition of short-term limited duration insurance that allows these plans to be renewed or extended for up to 3 years total, even though individual contract...
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
The bill amends the Public Health Service Act to create a statutory definition of short-term limited duration insurance that allows these plans to be renewed or extended for up to 3 years total, even though individual contract.
Key Policy Areas
Finance, Health Insurance
Primary Purpose
The bill amends the Public Health Service Act to create a statutory definition of short-term limited duration insurance that allows these plans to be renewed or extended for up to 3 years total, even though individual contract.
Policy Domains
Full Bill - RIGHT Act of 2025
Identified Gains
- Health insurance companies offering short-term limited duration plans
- Health insurance brokers and agents selling short-term plans
- Healthy consumers seeking low-cost coverage
Identified Costs
- ACA marketplace health insurers offering comprehensive plans
- Consumers with pre-existing conditions
- State insurance departments and regulators
Sponsors
Legislative Progress
IntroducedMr. Fulcher introduced the following bill; which was referred to …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
ACA marketplace health insurers offering comprehensive plans, Health insurance brokers and agents selling short-term plans, Health insurance companies offering short-term limited duration plans
Positive-direction: Health insurance brokers and agents selling short-term plans, Health insurance companies offering short-term limited duration plans
Negative-direction: ACA marketplace health insurers offering comprehensive plans
Consumers with pre-existing conditions, Healthy consumers seeking low-cost coverage
Positive-direction: Healthy consumers seeking low-cost coverage
Negative-direction: Consumers with pre-existing conditions
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
Key Definitions
Terms defined in this bill
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.
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology