Congress quietly codifies short-term health plans into law
H.R. 6299 — Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025 · Filed by Russ Fulcher (R-ID) · Introduced Nov 25, 2025 · Referred to committee
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What it does
This bill amends federal health insurance law to define and permit 'short-term limited duration insurance' — temporary health plans that last less than 12 months initially but can be renewed or extended for up to 3 years total. The bill does not restrict or expand these plans; it codifies a definition into law, potentially clarifying or locking in regulatory treatment of a product that insurers already offer and consumers already buy.
Why we flagged it
The bill's sole operative function is to insert a statutory definition of short-term limited duration insurance into the Public Health Service Act. It does not create, restrict, or mandate any action — it defines a term. The downstream effect (whether this definition expands or constrains the product) is not determined by this bill alone.
What the text implies
- Codifying this definition into statute may lock in a regulatory interpretation that previously existed only in guidance or rule, potentially making it harder to change in the future without new legislation.
- The 3-year maximum duration (with renewals) may be used by regulators to permit indefinite renewal chains, effectively converting 'short-term' plans into long-term products that avoid comprehensive-insurance mandates.
The full analysis lists 4 implications of this text.
Who stands to gain
health insurance issuers offering short-term limited duration plans; insurance brokers and agents selling short-term products