The Health Care Freedom and Choice Act would eliminate a federal regulation issued in April 2024 that restricts short-term health insurance plans and independent excepted benefits coverage. Short-term plans are temporary insurance policies that typically last less than a year and don't cover all the health services required by the Affordable Care Act, while excepted benefits are limited coverage options like dental or vision insurance. The bill would nullify the rule that the Internal Revenue Service, Employee Benefits Security Administration, and Centers for Medicare & Medicaid Services jointly issued to limit these plans' use. This affects individuals shopping for health coverage, employers offering health benefits, and insurance companies selling these products. The legislation contains no specific funding provisions or implementation timelines, as it simply removes an existing regulatory restriction rather than creating new programs.
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