I 
119TH CONGRESS 
1ST SESSION H. R. 6420 
To amend title XXVII of the Public Health Service Act to define short- 
term limited duration insurance. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 4, 2025 
Mr. MILLER of Ohio (for himself and Mr. ALLEN) introduced the following 
bill; which was referred to the Committee on Energy and Commerce 
A BILL 
To amend title XXVII of the Public Health Service Act 
to define short-term limited duration insurance. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Affordable Care Eco-
nomic Stability and Small Business Act’’ or the ‘‘ACCESS 
Act’’. 
SEC. 2. FINDINGS. 
Congress finds the following: 
(1) Americans, including small businesses in the 
Nation, could benefit from access to efficient, qual-
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ity, and more affordable health care coverage op-
tions. 
(2) Health insurance coverage designed to fill 
temporary gaps in coverage when an individual is 
transitioning from one plan or coverage to another, 
such as transitions in employment, is valuable. 
(3) Small businesses are particularly challenged 
by escalating health care costs threatening their via-
bility and ability to continue supporting their em-
ployees and contributing to their local economies. 
(4) With continuously rising health care costs, 
short-term limited duration affordable health plans 
may provide a critical means for small business own-
ers to provide portable coverage for United States 
workers. 
(5) Access to flexible health care choices for 
American consumers and the small business commu-
nity is paramount, including insurance plans that 
provide affordable and flexible coverage, building a 
path toward stronger health care coverage in the 
Nation. 
SEC. 3. SHORT-TERM LIMITED DURATION INSURANCE. 
(a) DEFINITION.—Section 2791(b) of the Public 
Health Service Act (42 U.S.C. 300gg–91(b)) is amended 
by adding at the end the following new paragraph: 
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‘‘(6) SHORT-TERM LIMITED DURATION INSUR-
ANCE.—The term ‘short-term limited duration insur-
ance’ means health insurance coverage provided 
under a contract with a health insurance issuer 
that— 
‘‘(A) has an expiration date specified in 
the contract that is less than 12 months after 
the original effective date of the contract; and 
‘‘(B) has a duration of not more than 3 
years (taking into account renewals or exten-
sions) after the original effective date of the 
contract.’’. 
(b) GUARANTEED RENEWABILITY.—Section 2703 of 
the Public Health Service Act (42 U.S.C. 300gg–2) is 
amended— 
(1) in subsection (a), by inserting ‘‘or offers 
short-term limited duration insurance’’ after ‘‘group 
market’’; and 
(2) by adding at the end the following: 
‘‘(f) APPLICATION TO SHORT-TERM LIMITED DURA-
TION INSURANCE.— 
‘‘(1) IN GENERAL.—In applying this section in 
the case of short-term limited duration insurance— 
‘‘(A) a reference to ‘health insurance cov-
erage’ with respect to such coverage offered in 
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the individual market shall be deemed to in-
clude short-term limited duration insurance; 
and 
‘‘(B) a reference to ‘health insurance 
issuer’ with respect to health insurance cov-
erage offered in the individual market shall be 
deemed to include an issuer of short-term lim-
ited duration insurance. 
‘‘(2) SPECIAL RULE FOR SHORT-TERM LIMITED 
DURATION INSURANCE.—In the case of short-term 
limited duration insurance, at the time of application 
for enrollment in such insurance coverage, an indi-
vidual may decline renewability of such coverage in 
accordance with this section, and the contract be-
tween such individual and the health insurance 
issuer shall specify whether the individual opted for 
renewability or no renewability.’’. 
(c) APPLICABILITY.—The amendments made by this 
section shall apply with respect to contracts for short-term 
limited duration insurance that take effect on or after the 
date of the enactment of this section. 
Æ 
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