PRIA Logo™
Start Free Watch
S2641119th CongressWALLET

Health Care Freedom and Choice Act

Sponsored By: Senator Ron Johnson

Introduced

Summary

Eliminates the 2024 interagency rule on Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage. The bill would be titled the Health Care Freedom and Choice Act and would make that specific rule have no force or effect.

Show full summary
  • People who buy short-term or excepted-benefit plans would be directly affected because the bill would remove the 2024 federal rule that applied to those products.
  • Insurers and brokers that offer short-term limited-duration insurance or independent excepted benefits would no longer be subject to the 2024 interagency rule.
  • The change targets a joint rule issued by the Internal Revenue Service, the Employee Benefits Security Administration, and the Centers for Medicare & Medicaid Services, and does not create other programs or funding.

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.

Cancel federal rule on short-term plans

This bill would cancel a 2024 federal rule on short-term limited-duration insurance and excepted benefits. The rule being canceled is at 89 Fed. Reg. 23338 (April 3, 2024). If enacted, that rule would have no force or effect starting on enactment. People who buy short-term or excepted plans could see plan choices, coverage rules, or availability change. Employers and insurers offering these products could also be affected. The bill does not provide new money or change other health programs.

Sponsors & CoSponsors

Sponsor

Ron Johnson

WI • R

Cosponsors

  • Joni Ernst

    IA • R

    Sponsored 11/20/2025

  • Ashley Moody

    FL • R

    Sponsored 12/4/2025

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

Start a Free Government Policy Watch to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.

Already have an account? Sign in