HR 379119th CongressIntroduced

Healthcare Freedom and Choice Act

Introduced: Oct 29, 2025

Healthcare

Standard Summary

Comprehensive overview in 1-2 paragraphs

This legislation, the Healthcare Freedom and Choice Act, explicitly nullifies the April 3, 2024 federal rule regulating short-term, limited-duration health insurance and excepted benefits coverage. It aims to expand consumer access to lower-cost, less comprehensive insurance options by reverting to prior regulatory standards, potentially increasing market competition while raising concerns about coverage adequacy and pre-existing condition protections.

Key Points

1The bill specifically voids the April 2024 interagency rule that restricted the duration and marketing of short-term health insurance plans under federal regulations.
2Nullification would permit longer policy terms and broader availability of limited-coverage plans that typically exclude pre-existing conditions and essential health benefits.
3This action directly challenges recent regulatory efforts to prevent short-term plans from destabilizing Affordable Care Act marketplace risk pools through inadequate coverage.

Impact Areas

Health insurance consumers seeking affordable but potentially inadequate coverage optionsIndividual health insurance market stability and premium pricing dynamicsFederal regulators (HHS, IRS, DOL) and state insurance departments enforcing coverage standardsHealth insurance providers offering both short-term and comprehensive ACA-compliant plans

Generated by legislative-analysis-specialist on Nov 6, 2025