Health Care Freedom and Choice Act

This bill repeals a federal rule that allowed short-term health insurance plans to be sold with fewer consumer protections. It specifically targets a rule published by the IRS, EBSA, and CMS on April 3, 2024, which governed short-term, limited-duration insurance and certain noncoordinated health benefits. By nullifying this rule, the bill would allow insurers to offer these short-term plans without the restrictions previously imposed. This directly affects insurers selling short-term coverage and consumers purchasing such plans, as it removes requirements related to coverage duration, pre-existing condition limitations, and essential health benefits.