Us Congress 2025-2026 Regular Session

Us Congress House Bill HB90

Introduced
1/3/25  

Caption

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.

Impact

The bill aims to impact how health insurance is offered and defined, which can potentially influence the market for short-term health insurance policies. By establishing a formal definition, it could lead to more consistent offerings and consumer protection standards within the short-term insurance sector. This development might allow consumers seeking temporary insurance solutions to understand better what options are available and any limitations tied to those plans.

Summary

House Bill 90, known as the Health Coverage Choice Act, proposes an amendment to the Public Health Service Act, specifically to provide a clear definition of short-term limited duration insurance. This definition would specify that such insurance contracts are to have an expiration date that is less than 12 months from the original effective date and can be renewed or extended for a total duration of no more than three years. The intent of this bill is to clarify existing regulations concerning short-term health insurance products available to consumers.

Contention

There may be points of contention surrounding HB 90, particularly regarding the balance of consumer choice and the potential for regulatory overreach. Proponents of the bill argue that it provides much-needed clarity to both consumers and insurers, helping to streamline how short-term insurance is marketed and sold. However, opponents could raise concerns about the adequacy of short-term plans when compared to more comprehensive insurance options, potentially leading to a situation where consumers might inadvertently underinsure themselves by opting for such policies.

Congress_id

119-HR-90

Policy_area

Health

Introduced_date

2025-01-03

Companion Bills

No companion bills found.

Previously Filed As

US HB76

Health Coverage Choice Act This bill provides statutory authority for the Department of Treasury, the Department of Labor, and the Department of Health and Human Services rule dated August 3, 2018, regarding short-term, limited-duration health insurance plans. That rule increases the maximum authorized duration of such plans from less than 3 months (including renewals) to an initial maximum duration of less than 12 months (with a total duration of up to 36 months, including renewals).

US SB5535

A bill to amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to increase penalties for group health plans and health insurance issuers for practices that violate balance billing requirements, and for other purposes.

US HB77

This bill establishes which state law governs health insurers offering coverage in multiple states. Specifically, the bill provides that the laws of a state designated by a health insurer (primary state) apply to individual health insurance coverage offered by that insurer in any other state (secondary state) if the coverage, states, and insurer comply with the conditions of this bill. Insurers are exempted from any secondary state's laws that would prohibit or regulate the operation of the insurer in that state. The primary state is given sole jurisdiction to enforce its covered laws in any secondary state. The Government Accountability Office must study the effect of this bill on specified health insurance issues.

US HB127

Protection from Obamacare Mandates and Congressional Equity Act This bill alters provisions relating to the requirement to maintain minimum essential health care coverage (i.e., the individual mandate), as well as provisions relating to health care coverage for certain executive branch and congressional employees. Specifically, the bill exempts individuals from the requirement to maintain minimum essential health care coverage if they reside in a county where fewer than two health insurers offer insurance on the health insurance exchange. Under current law, there is no penalty for failing to maintain minimum essential health care coverage. The bill also requires certain executive branch and congressional employees to participate in health insurance exchanges. Under current law, Members of Congress and their designated staff are required to obtain coverage through health insurance exchanges, rather than the Federal Employee Health Benefits (FEHB) Program. Current regulations authorize government contributions toward such coverage and require Members of Congress to designate which members of their staff are required to obtain coverage through an exchange. The bill requires all congressional staff, including employees of congressional committees and leadership offices, to obtain coverage through an exchange. The bill also prohibits Members of Congress from having the discretion to determine which of their employees are eligible to enroll through an exchange. Further, the President, Vice President, and executive branch political appointees must also obtain coverage through exchanges, rather than FEHB. The government is prohibited from contributing to or subsidizing the health insurance coverage of the officials and employees subject to this requirement, including Members of Congress and their staff.

US HJR129

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Departments of Labor, the Treasury, and Health and Human Services relating to "Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage".

US HB7

No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2023 This bill modifies provisions relating to federal funding for, and health insurance coverage of, abortions. Specifically, the bill prohibits the use of federal funds for abortions or for health coverage that includes abortions. Such restrictions extend to the use of funds in the budget of the District of Columbia. Additionally, abortions may not be provided in a federal health care facility or by a federal employee. Historically, language has been included in annual appropriations bills for the Department of Health and Human Services (HHS) that prohibits the use of federal funds for abortions—such language is commonly referred to as the Hyde Amendment. Similar language is also frequently included in appropriations bills for other federal agencies and the District of Columbia. The bill makes these restrictions permanent and extends the restrictions to all federal funds (rather than specific agencies). The bill's restrictions regarding the use of federal funds do not apply in cases of rape, incest, or where a physical disorder, injury, or illness endangers a woman's life unless an abortion is performed. The Hyde Amendment provides the same exceptions. The bill also prohibits qualified health plans from including coverage for abortions. Currently, qualified health plans may cover abortion, but the portion of the premium attributable to abortion coverage is not eligible for subsidies.

US HB10409

To address the high costs of health care services, prescription drugs, and health insurance coverage in the United States, and for other purposes.

US HB55

Preventing Vigilante Stalking that Stops Women's Access to Healthcare and Abortion Rights Act of 2022 This bill increases the maximum prison term for a stalking offense, if the offense is committed with the intent to obtain an individual's health care information or prevent an individual's health care decisions.

US SB62

No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2023 This bill modifies provisions relating to federal funding for, and health insurance coverage of, abortions. Specifically, the bill prohibits the use of federal funds for abortions or for health coverage that includes abortions. Such restrictions extend to the use of funds in the budget of the District of Columbia. Additionally, abortions may not be provided in a federal health care facility or by a federal employee. Historically, language has been included in annual appropriations bills for the Department of Health and Human Services (HHS) that prohibits the use of federal funds for abortions—such language is commonly referred to as the Hyde Amendment. Similar language is also frequently included in appropriations bills for other federal agencies and the District of Columbia. The bill makes these restrictions permanent and extends the restrictions to all federal funds (rather than specific agencies). The bill's restrictions regarding the use of federal funds do not apply in cases of rape, incest, or where a physical disorder, injury, or illness endangers a woman's life unless an abortion is performed. The Hyde Amendment provides the same exceptions. The bill also prohibits qualified health plans from including coverage for abortions. Currently, qualified health plans may cover abortion, but the portion of the premium attributable to abortion coverage is not eligible for subsidies.

US HB415

End the Threat of Default Act This bill repeals the statutory debt limit, which limits the amount of money that the federal government may borrow.

Similar Bills

No similar bills found.