Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025
Term Dictionary
If you come across any unfamiliar words while reading, these resources can help make everything clearer. Pick whichever one works best for you!
- Congress.gov Legislative Glossary - Comprehensive congressional terms
- NVFC Congressional Terms Glossary - Concise, easy-to-understand definitions
The gist
The bill locks 'short-term limited duration insurance' into federal law as plans lasting nearly 12 months and renewable up to 3 years total.
Who wins, who loses
Wins: healthy adults wanting cheaper premiums, insurers selling short-term plans, self-employed workers between jobs.
Loses: people with pre-existing conditions, Affordable Care Act (ACA) marketplaces losing healthy enrollees, patients hit with coverage gaps.
What it does
Amends Section 2791 of the Public Health Service Act to define short-term plans in statute.
Sets initial contract length at under 12 months.
Allows renewals or extensions up to 3 years total.
Reverses Biden-era 2024 rule that capped these plans at 4 months.
Why should I care?
Supporters say short-term plans give workers between jobs an affordable safety net instead of pricey ACA premiums. Critics warn these plans skip protections for pre-existing conditions, mental health, and maternity care ā€” leaving teens aging off parents' insurance exposed to surprise bills. Where do you land? Vote below and use "Tell Your Rep" to make sure your voice reaches Congress.