Supplemental Benefits for Individuals Act of 2025

The Supplemental Benefits for Individuals Act of 2025 amends Section 2791(c)(4) of the Public Health Service Act to include individual health insurance coverage as an "excepted benefit." This change allows health insurance plans purchased directly by individuals (not through employers) to be classified as excepted benefits, meaning they would not need to cover essential health benefits required of standard health plans under the Affordable Care Act. The bill directly affects individuals who buy health insurance on their own by expanding the types of coverage available without meeting full ACA requirements. The key mechanism is a technical update to the definition of excepted benefits in federal law.