H.R. 6299: Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025

This bill, known as the Removing Insurance Gaps for Health Treatment (RIGHT) Act of 2025, aims to modify existing regulations regarding short-term limited duration health insurance. Here’s a breakdown of what the bill would accomplish:

Definition of Short-Term Limited Duration Insurance

The bill provides a specific definition for short-term limited duration insurance, which is a type of health coverage. According to the bill:

• It must be offered under a contract that has a specified expiration date, which is less than 12 months from when the contract becomes effective.
• It may be renewed or extended, but the total duration of coverage, including renewals, cannot exceed 3 years from the original effective date of the contract.

Amendments to Current Law

The bill amends Section 2791(b) of the Public Health Service Act to incorporate the above definition into federal law. The change emphasizes a framework for providing short-term health insurance that has a clear time limit, and it seeks to standardize the conditions under which such insurance can be marketed and sold.

Impact on the Availability of Insurance

By clarifying what constitutes short-term limited duration insurance, the bill aims to ensure that individuals have access to this type of insurance without encountering gaps in their coverage. This might appeal to those who need temporary health insurance solutions, whether due to transitioning jobs or other life changes.

Potential Implications

The restructuring of rules around short-term limited duration insurance could impact the health insurance market. It is designed to strike a balance between providing coverage flexibility and maintaining specific time-bound restrictions that limit the duration of such plans.

Relevant Companies

• UNH (UnitedHealth Group Incorporated) - As a major health insurance provider, changes in short-term insurance regulations may affect their product offerings and market strategy.
• HUM (Humana Inc.) - As another significant player in the insurance market, this bill could influence how Humana designs and promotes short-term insurance plans.
• CNC (Centene Corporation) - This company, which provides services to uninsured populations, may need to adjust its offerings in response to the new regulations on short-term insurance.