# 119-s-3418: COMPETE Act

119-s-3418, COMPETE Act, is a 119th Congress bill sponsored by Sen. Cruz, Ted [R-TX] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-3418
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3418
- Congress: 119
- Title: COMPETE Act
- Status: introduced
- Introduced: 2025-12-10
- Sponsor: Sen. Cruz, Ted [R-TX] (R-TX)
- Cosponsors: 1
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**This bill would broaden short-term limited-duration health plans by allowing renewal without underwriting.** It adds a new definition to the Public Health Service Act for short-term limited duration insurance and sets the initial contract term at up to 12 months. - Families and consumers: Clearer, expanded short-term coverage options because renewals could be offered without new underwriting and the initial term is capped at 12 months. - Health insurers and markets: Clarifies which short-term plans are permitted and may influence competition and consumer choice by expanding allowed short-term arrangements.

## Cosponsors (1)

- Sen. Budd, Ted [R-NC] (R-NC), 2025-12-10T00:00:00.000Z

## Provisions PRIA read

- Short-term health plan definition change: mixed, low. This bill would add a federal definition of "short-term limited duration insurance." It would say the initial contract must end within 12 months of its original start date. It would allow a contract to include a renewal guarantee letting a policyholder buy another short-term policy after expiration…

## Related bills

- 119-s-1071: National Defense Authorization Act for Fiscal Year 2026
- 119-s-524: Coast Guard Authorization Act of 2025
- 119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026
- 119-s-4668: Protect College Sports Act of 2026
- 119-s-2975: PIPELINE Safety Act of 2025
- 119-s-278: Kids Off Social Media Act

## Sources
- [119-s-3418 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3418)

## Related
- [119-s-1071: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-1071)
- [119-s-524: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-s-524)
- [119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3923)
- [119-s-4668: Protect College Sports Act of 2026](https://policyrisk.com/legislation/119-s-4668)
- [119-s-2975: PIPELINE Safety Act of 2025](https://policyrisk.com/legislation/119-s-2975)
- [119-s-278: Kids Off Social Media Act](https://policyrisk.com/legislation/119-s-278)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3418 (as of 2026-04-21).