Bill > HR6299

This bill aims to modify the definition of "short-term limited duration insurance" (STLD) in the Public Health Service Act, expanding the allowable duration of these insurance plans. Specifically, the bill defines STLD insurance as health coverage with an initial contract expiration date less than 12 months after its start, but now permits the total duration (including renewals and extensions) to be up to 3 years. Short-term limited duration insurance is typically a type of health insurance designed to provide temporary coverage for individuals in transition between more permanent insurance plans, such as those changing jobs or waiting for other coverage to begin. By extending the maximum allowable duration from what was previously likely a shorter period to a full 3 years, the bill gives consumers more flexibility in purchasing these interim health insurance plans. The legislation, known as the Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025, seeks to provide individuals with more options for maintaining health insurance coverage during periods of uncertainty or change.

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https://www.congress.gov/bill/119th-congress/house-bill/6299/all-info