This bill changes how “short-term, limited-duration” health plans are defined. It would let these plans last for up to 12 months at first, and up to 3 years total if renewed. Right now, federal rules only allow an initial term of up to 3 months and a total of up to 4 months with renewals, so this would be a major extension in how long someone can keep one of these plans .

Key points:

• Who is affected: People who buy short-term health plans and the insurers who offer them.
• What changes: Maximum initial term becomes less than 12 months; total time with renewals can be up to 36 months. This replaces current limits of about 3 months initially and 4 months total under existing rules .