Health Care Freedom and Choice Act

This bill cancels a 2024 federal rule about “Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” If this becomes law, that rule would no longer apply anywhere. The text says the rule “shall have no force or effect,” referring to the final interagency rule published on April 3, 2024 (89 Fed. Reg. 23338) .

Key points:

• Who is affected: People who buy short-term health insurance, and the companies that sell these plans .
• What changes: The 2024 rule on these short-term and excepted-benefit plans would be overturned, so that rule would not apply .
• When: If enacted, the rule would have no force or effect from then on (the bill text does not list a specific date) .