Section 1. Short title
This Act may be cited as the Patient's Choice Act of 2024.
Section 2. Prohibition on finalizing proposed rule to restrict short-term limited duration insurance
The Secretary of Health and Human Services, the Secretary of Labor, and the Secretary of the Treasury may not take any action to implement, enforce, or otherwise give effect to the proposed rule issued by the Internal Revenue Service, the Employee Benefits Security Administration, and the Centers for Medicare & Medicaid Services titled Short-Term, Limited-Duration Insurance; Independent, Noncoordinated Excepted Benefits Coverage; Level-Funded Plan Arrangements; and Tax Treatment of Certain Accident and Health Insurance (88 Fed. Reg. 44596 (July 12, 2023)) and may not promulgate, implement, enforce, or otherwise give effect to any other substantially similar rule that would reduce the maximum term length or duration for short-term limited duration insurance plans from the duration allowed as of the date of the enactment of this Act.
Section 3. Short-term limited duration insurance defined
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 new paragraph:
(6) Short-term limited duration insurance
The term short-term limited duration insurance means health insurance coverage provided under a contract with a health insurance issuer that—
(A) has an expiration date specified in the contract that is less than 12 months after the original effective date of the contract; and
(B) has a duration of not more than 36 months (taking into account renewals or extensions) after the original effective date of the contract.