Health Coverage Choice Act

House Bill

H.R. 90

119th Congress

Health Coverage Choice Act

In Committee

Introduced:Jan 3, 2025

Primary Sponsor

Andy Biggs

R - AZ

Cosponsors

0

Quick Stats

Policy Area

Health

Summary

This bill extends the maximum duration of short-term health insurance plans from the current limit of about 4 months to up to 36 months including renewals. Initial terms could last up to 12 months instead of the current 3-month limit, providing more flexibility for temporary coverage needs.

Latest Action

Referred to the House Committee on Energy and Commerce.

AI Summary

Plain-English explanation of this bill

This bill extends the maximum duration of short-term health insurance plans from the current limit of about 4 months to up to 36 months including renewals. Initial terms could last up to 12 months instead of the current 3-month limit, providing more flexibility for temporary coverage needs.

Last updated: 1/5/2026

Official Summary

Congressional Research Service 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.

Key Points

Main provisions of the bill

Extends short-term health insurance to 36 months total
Increases initial term limit to 12 months
Expands from current 4-month maximum
Provides alternative to ACA-compliant plans
Increases consumer coverage options

How This Impacts Americans

Potential effects on citizens and communities

Consumers would have more options for short-term health coverage that is typically less expensive than ACA plans but may have fewer protections. This could benefit people between jobs or waiting for other coverage. Critics worry these plans could undermine the ACA marketplace.

Policy Areas

Primary Policy Area

Health

Related Subjects

Health care costs and insurance

Health care coverage and access

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

90, 119th Congress (2025). "Health Coverage Choice Act". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-90