Congress·In Committee·S. 3418

COMPETE Act

Health Insurance: Expanding Short-Term Plans

7 months ago·View on Congress.gov·Read full text

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Stalled

No legislative action in over 90 days.

↔Companion bill: Health Insurance: Expanding Short-Term Plans

The COMPETE Act is currently in the early stages of the legislative process. It was recently introduced in the Senate and sent to the Committee on Health, Education, Labor, and Pensions for review. There are no upcoming votes scheduled at this time.

Part of: story →Companion bill: Health Insurance: Expanding Short-Term Plans →

Legislative Progress

Senate

House

President

Law

Unlikely to pass

This bill deals with a highly partisan issue regarding health insurance rules. It lacks bipartisan support and would likely face a filibuster or a veto depending on who is in the White House.

Key Points

This bill changes the rules for short-term health insurance plans. It defines these plans as lasting up to 12 months, which is longer than some current federal regulations allow.
The policy includes a renewal guarantee. This means if you get sick while you are covered, the insurance company cannot use your new illness as a reason to charge you more or deny you coverage when you sign up for another term.
These plans are usually cheaper than standard health insurance because they do not have to follow all the rules of the Affordable Care Act. For example, they might not cover things like prescription drugs or maternity care.
This would mostly affect people who buy their own insurance instead of getting it through work. It offers a lower-cost option for those who find regular plans too expensive, but it may provide less protection if they have a major medical emergency.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

2 milestones2 actions

Dec 10, 2025Senate

Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.

Dec 10, 2025

Introduced in Senate

The bill was officially filed and given a number. It now enters the legislative queue.

Votes

No votes have been recorded for this legislation yet.

News

No related news coverage found for this legislation yet.

Source Information

Document Type

Congressional Bill

Official Title

COMPETE Act

Bill NumberS 3418

Congress119th Congress

ChamberSenate

Latest ActionRead twice and referred to the Committee on Health, Education, Labor, and Pensions.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(1)

R: 1

Analysis generated by AI. Always verify with official sources.