Bill · H.R. 6420· House(119-HR-6420)
ACCESS Act
- Introduced
- 12/4/2025
- Last activity
- 12/4/2025 — Referred to the House Committee on Energy and Commerce.
- Sponsored by
- Max Miller
- Cosponsors
- - 2 - 0
- Introduced
- In Committee
What this bill would do
This bill, known as the "Affordable Care Economic Stability and Small Business Act" or the "ACCESS Act," seeks to amend the Public Health Service Act. It focuses on defining "short-term limited duration insurance." The bill defines these plans as having an expiration date of less than 12 months and a total duration of no more than 3 years. It also amends rules regarding guaranteed renewability for these specific types of insurance.
Yes· 3 of 5
Would business owners be better off under this?+6
The bill assists small business owners by providing a tool to offer portable coverage and manage rising healthcare costs.
Does this make it easier to run a small business?+5
The bill aims to help small businesses manage escalating health care costs by providing more flexible and affordable coverage options for employees.
Would households on low incomes be better off under this?+3
The bill provides more flexible and potentially affordable health coverage options for consumers navigating employment transitions.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Access to flexible coverage: The bill's findings suggest that providing access to flexible health care choices can help consumers and the small business community (Section 2).
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Support for transitions: The bill notes that health insurance designed to fill temporary gaps during transitions, such as changes in employment, is considered valuable (Section 2).
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Support for small businesses: The bill finds that short-term limited duration affordable health plans may provide a means for small business owners to provide portable coverage for workers (Section 2).
Potential Negative Impacts for People
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Limited duration of coverage: Under the new definition, short-term limited duration insurance is required to have an expiration date of less than 12 months (Section 3(a)(A)).
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Total duration limits: The total duration of the coverage, including any renewals or extensions, cannot exceed 3 years (Section 3(a)(B)).
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Options regarding renewability: When applying for this coverage, individuals have the option to decline renewability, and the contract must specify if the individual chose to opt for renewability or not (Section 3(b)(2)).
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 Business Owners+6Good For Low Income Households+3Good For Middle Class Households+3
- Economy And Finance
- Improves Small Business Support+5
- Healthcare
- Increases Affordable Care Act Support+3
- 12/5/2025
- 1 Cosponsor added.
- 12/4/2025
- Referred to the House Committee on Energy and Commerce.
- 1 Cosponsor added.
- Introduced in House
Rick AllenRepublican · Georgia
Lloyd SmuckerRepublican · Pennsylvania