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119-hr-8082119th CongressWALLET

COMPETE Act

Sponsored By: Representative 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.

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  • 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.

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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.

Sponsors & CoSponsors

Sponsor

Grothman, Glenn [R-WI-6]

WI • R

Cosponsors

  • Rep. Fulcher, Russ [R-ID-1]

    ID • R

    Sponsored 3/25/2026

Roll Call Votes

No roll call votes available for this bill.

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