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To ensure competition in health insurance markets.
Summary
The COMPETE Act amends the Public Health Service Act to define short-term limited duration health insurance. Under the bill, such plans would be permitted to last up to 12 months under a single contract and may include renewal options that allow policyholders to purchase future policies without additional health underwriting. The stated purpose is to promote competition in health insurance markets.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
1 cosponsor
- Rep. Fulcher, Russ [R-ID-1] (R-ID)
Actions (2)
- Mar 25, 2026 Referred to the House Committee on Energy and Commerce. · house
- Mar 25, 2026 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE HOUSE OF REPRESENTATIVES
March 25, 2026
Mr. Grothman (for himself and Mr. Fulcher) introduced the following bill; which was referred to the Committee on Energy and Commerce
A BILL
To ensure competition in health insurance markets.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced affordability Act” or the “COMPETE Act”.
SEC. 2. SHORT-TERM LIMITED DURATION INSURANCE.
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:
“(6) Short-term limited duration insurance.—The term ‘short-term limited duration insurance’ means a plan providing health insurance coverage pursuant to a contract with a health insurance issuer—
“(A) that has an expiration date specified in the contract that is not more than 12 months after the original effective date of the contract; and
“(B) which may include a renewal guarantee that permits a policyholder to elect to purchase, for periods of time following expiration of the initial contract, another policy or policies at some future date, at a premium that would not reflect any additional underwriting.”. <all>
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