H.R. 5839: Supplemental Benefits for Individuals Act of 2025

This bill, titled the Supplemental Benefits for Individuals Act of 2025, aims to amend the Public Health Service Act. Specifically, it focuses on how certain supplemental coverage is considered in relation to individual health insurance plans.

Key Provisions

• The bill modifies Section 2791(c)(4) of the Public Health Service Act to include "individual health insurance coverage" in the list of policies where specific supplemental coverages are considered as excepted benefits.
• An "excepted benefit" is typically a type of insurance or coverage that is not subject to certain regulations that govern standard health insurance plans. This can allow for greater flexibility and lower costs for additional coverage.

Implications

By including individual health insurance coverage as a category eligible for supplemental benefits, the bill may allow individuals to obtain additional coverage options without these options being classified as part of their primary health insurance plan. This change may provide individuals with more choices for enhancing their health coverage while potentially reducing costs related to regulatory compliance.

Potential Benefits

• Increased access to supplemental coverage for individuals, allowing them to tailor their health insurance to better meet their needs.
• Encouragement of supplemental insurance providers to offer new products tailored to individual insurance holders.
• Reduction in regulatory burdens on both insurers and consumers regarding the classification of certain benefits.

Relevant Companies

• None found