A Republican bill with 2 Republican cosponsors · See all 2 cosponsors
Last activity — Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill is titled the "Health Care Freedom and Choice Act." It aims to nullify a specific interagency rule. This rule was published by the Internal Revenue Service, the Employee Benefits Security Administration, and the Centers for Medicare & Medicaid Services. The rule pertains to "Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage." If passed, the rule will have no force or effect.
Yes· 3 of 5
- Scored +3
Would people in their twenties and thirties be better off under this?
Younger adults often seek out cheaper, short-term insurance options which this bill facilitates by removing regulatory barriers.
- Scored +3
Does this lower what people pay for private health insurance?
The removal of the interagency rule may allow for more competition from lower-cost, short-term insurance products.
- Scored +2
Would middle-income households be better off under this?
The bill may provide more flexible and potentially less expensive insurance choices for middle-income families.
The opposite
- Scored -5
Does this strengthen the Affordable Care Act?
By nullifying the rule on short-term, limited-duration insurance, the bill removes regulations designed to prevent these plans from acting as a workaround to the Affordable Care Act.
- Scored -2
Would households on low incomes be better off under this?
The loss of protections against limited-duration plans may result in less comprehensive coverage for low-income individuals.
Who it would affect, and how
Potential Positive Impacts for People
- There are no specific positive impacts or benefits for individuals or groups of people listed within the provided text.
Potential Negative Impacts for People
- There are no specific negative impacts or burdens for individuals or groups of people listed within the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would people in their twenties and thirties be better off under this? — Younger adults often seek out cheaper, short-term insurance options which this bill facilitates by removing regulatory barriers. Would business owners be better off under this? — Insurance providers and businesses offering non-coordinated benefits may face fewer regulatory hurdles. Would middle-income households be better off under this? — The bill may provide more flexible and potentially less expensive insurance choices for middle-income families. Would households on low incomes be better off under this? — The loss of protections against limited-duration plans may result in less comprehensive coverage for low-income individuals.
- Governance And Ideology
- Does this leave more decisions to the states? — The bill reduces federal regulatory oversight by nullifying an interagency rule.
- Healthcare
- Does this lower what people pay for private health insurance? — The removal of the interagency rule may allow for more competition from lower-cost, short-term insurance products. Does this strengthen the Affordable Care Act? — By nullifying the rule on short-term, limited-duration insurance, the bill removes regulations designed to prevent these plans from acting as a workaround to the Affordable Care Act.
- 12/4/2025
- 1 Cosponsor added.
- 11/20/2025
- 1 Cosponsor added.
- 8/1/2025
- Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
- Introduced in Senate
Joni ErnstRepublican · Iowa
Ashley MoodyRepublican · Florida