ACCESS Act

HR 6420 (the ACCESS Act) defines and regulates "short-term limited duration insurance" (STLDI) as health coverage with a contract term under 12 months and total duration under 3 years, including renewals. The bill changes existing health care rules to allow STLDI to be marketed as a temporary coverage option during transitions like job changes, specifically for small businesses and workers needing flexible, affordable plans while avoiding full-year coverage requirements. This directly affects small business owners and employees seeking portable, low-cost health insurance during coverage gaps, without requiring the full benefits of standard plans.