Bill · H.R. 6299· House(119-HR-6299)
Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025
- Introduced
- 11/25/2025
- Last activity
- 11/25/2025 — Referred to the House Committee on Energy and Commerce.
- Sponsored by
- Russ Fulcher
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill is titled the "Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025". It aims to amend title XXVII of the Public Health Service Act. The purpose of the amendment is to ensure the appropriate availability of short-term limited duration insurance. The bill provides a specific definition for what constitutes "short-term limited duration insurance." This includes contracts with an expiration date of less than 12 months from the original effective date. Additionally, the total duration cannot exceed 3 years, including any renewals or extensions.
Yes
Would households on low incomes be better off under this?+2
The bill ensures the availability of shorter-term insurance options which may provide temporary coverage for those with fluctuating incomes.
Would middle-income households be better off under this?+2
Defining short-term insurance helps ensure these coverage options remain available for middle-income individuals seeking temporary coverage.
Would people in cities be better off under this?+1
The provision of clearer definitions for short-term insurance may assist urban dwellers looking for flexible coverage options.
The opposite
Does this strengthen the Affordable Care Act?-2
By providing a specific definition for short-term limited duration insurance, the bill facilitates the availability of plans that exist outside the core protections of the Affordable Care Act.
Who it would affect, and how
Potential Positive Impacts for People
- Definition of Short-term Insurance: The bill provides a clear definition for short-term limited duration insurance, which includes contracts expiring in less than 12 months and a total maximum duration of 3 years (Section 2, paragraph 6). This ensures the appropriate availability of this type of coverage.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+2Good For Middle Class Households+2Good For Urban Residents+1
- Healthcare
- Increases Affordable Care Act Support-2
- 11/25/2025
- Referred to the House Committee on Energy and Commerce.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.