PRIA Logo™
Take the PRIA Score
HR8082119th CongressWALLET

COMPETE Act

Sponsored By: Representative Rep. Grothman, Glenn [R-WI-6]

Introduced

Summary

This bill would add a statutory definition for short-term limited duration insurance (STLDI) to the Public Health Service Act. It would limit such plans to 12 months and allow limited post-expiration renewals without new underwriting.

Show full summary
  • Families: Consumers could buy short-term plans that last up to 12 months and may renew without new underwriting.
  • Insurers and markets: Insurers would get a clear statutory category for offering these plans, which could affect competition and product design.
  • Regulators: The bill would create a legal framework for regulators to interpret STLDI and its eligibility under related health insurance rules.

Your PRIA Score

Score Hidden

Personalized for You

How does this bill affect your finances?

Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.

Free to start

Bill Overview

Analyzed Economic Effects

1 provisions identified: 0 benefits, 0 costs, 1 mixed.

New rules for short-term health plans

This bill would add a federal definition for short-term limited duration insurance (STLDI). It would say STLDI plans must end no more than 12 months after they start. The bill would allow these plans to include a renewal guarantee so a policyholder could buy another short-term policy after the first one ends without new underwriting, and the renewal premium would not reflect additional underwriting. If enacted, this change would affect insurers, regulators, and people or employers who buy short-term plans.

Free Policy Watch

You just read the policy. Now see what it costs you.

Pick a topic. PRIA runs your household against live legislation and sends you a free personalized readout.

Pick a topic to get started

My TaxesMy HealthMy BudgetMy MoneyMy Freedom
Or tell us something more specific

Sponsors & CoSponsors

Sponsor

Rep. Grothman, Glenn [R-WI-6]

WI • R

Cosponsors

  • Fulcher

    ID • R

    Sponsored 3/25/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
Back to Legislation

Take It Personal

Get Your Personalized Policy View

Take the PRIA Score to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.

Already have an account? Sign in