S. 2507Senate115th Congress (2017-2019)In Committee

Improving Choices in Health Care Coverage Act

Introduced March 7, 2018

AI-Generated Summary

Updated April 15, 2026 at 8:33 PM UTC

The bill amends the Public Health Service Act to define short‑term limited‑duration health insurance and to extend guaranteed renewability rules to these plans. It requires issuers to offer renewal or continuation of coverage, but lets enrollees decide at sign‑up whether they want that option. The changes apply to contracts that begin on or after May 1 2018 and affect individuals purchasing short‑term health plans.

Key Provisions

  • Adds a definition of “short‑term limited duration insurance” as a health plan that expires less than 12 months from its start date.
  • Extends the guaranteed renewability requirement to short‑term plans, treating them like other individual‑market coverage.
  • Allows an enrollee, at the time of application, to opt in or out of renewability; the contract must state the choice.
  • Applies these rules to short‑term contracts effective May 1 2018 or later.

Legislative Activity

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1 earlier action
SenateIntro Referral Latest Action

Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (Sponsor introductory remarks on measure: CR S1454)

March 7, 2018

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SenateIntro Referral

Introduced in Senate

March 7, 2018

SenateIntro Referral

Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (Sponsor introductory remarks on measure: CR S1454)

March 7, 2018

Floor Debate

14 members

What members said about S. 2507 on the floor

10 Republicans4 Democrats
Richard J. Durbin
Sen. Richard J. DurbinD-IL · Mar 7, 2018

Mr. President, on September 5 of last year, President Trump's Attorney General made an announcement. It was an announcement that affected the lives of about 800,000 people living in America. The…

Lamar Alexander
Sen. Lamar AlexanderR-TN · Mar 7, 2018

Mr. President, probably every single one of us in the Senate would agree that it is hard to get here, it is hard to stay here, and it is wonderful to be able to accomplish something worthwhile while…

Jack Reed
Sen. Jack ReedD-RI · Mar 7, 2018

Madam President, I ask unanimous consent that the order for the quorum call be rescinded. Madam President, when we passed the Wall Street Reform and Consumer Protection Act, we did so in response to…

John Cornyn
Sen. John CornynR-TX · Mar 7, 2018

Mr. President, listening to my friend from New York--and he is my friend--we have worked together on a number of projects, even though we have diametrically opposed views on many policy…

Charles E. Schumer
Sen. Charles E. SchumerD-NY · Mar 7, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, President Trump's instincts on China are correct, but his execution is poor. He should stick…

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Jeff Merkley
Sen. Jeff MerkleyD-OR · Mar 7, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, the first three words of our Constitution are, ``We the People.'' This is the mission statement…

Mike Rounds
Sen. Mike RoundsR-SD · Mar 7, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, today I rise in support of the Economic Growth, Regulatory Relief, and Consumer Protection Act…

Shelley Moore Capito
Sen. Shelley Moore CapitoR-WV · Mar 7, 2018

Mr. President, I come to the floor today to talk about the bill we have in front of us, the Economic Growth, Regulatory Relief, and Consumer Protection Act. That is a mouthful right there, but what…

John Barrasso
Sen. John BarrassoR-WY · Mar 7, 2018

Mr. President, over the next couple of weeks, Congress is going to need to finalize government appropriations for the remainder of this year. Among the things that some people are talking about is…

John Barrasso
Sen. John BarrassoR-WY · Mar 7, 2018

Mr. President, over the next couple of weeks, Congress is going to need to finalize government appropriations for the remainder of this year. Among the things that some people are talking about is…

Michael B. Enzi
Sen. Michael B. EnziR-WY · Mar 7, 2018

Mr. President, when we debated the Dodd-Frank bill in 2010, I concentrated most of my effort on talking about the third portion-- the third third of the bill; it is one of those several-hundred page…

Deb Fischer
Sen. Deb FischerR-NE · Mar 7, 2018

Mr. President, I rise today in support of the bill before us, the Economic Growth, Regulatory Relief, and Consumer Protection Act. This bill is a product of a multiyear, bipartisan process. It is the…

Roy Blunt
Sen. Roy BluntR-MO · Mar 7, 2018

Mr. President, I want to join my colleague from West Virginia, as well as our friend from South Dakota, to say how much I appreciate the effort that Senator Crapo has made to put this bill together.…

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Mitch McConnell
Sen. Mitch McConnellR-KY · Mar 7, 2018

Mr. President, community banks, credit unions, and other small-scale lenders play a vital role in the U.S. economy. Research from Harvard indicates that community banks provide more than half of all…

Roger F. Wicker
Sen. Roger F. WickerR-MS · Mar 7, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, I filed an amendment yesterday that, I hope, will be included in this banking bill that the…

Lamar Alexander
Sen. Lamar AlexanderR-TN · Mar 7, 2018

Thank you, Madam President. (The remarks of Mr. Alexander pertaining to the introduction of S. 2509 are printed in today's Record under ``Statements on Introduced Bills and Joint Resolutions.'') I…

John Barrasso
Sen. John BarrassoR-WY · Mar 7, 2018

Mr. President, I ask unanimous consent that the order for the quorum call be rescinded. Mr. President, I yield the floor. I suggest the absence of a quorum.

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Mar 7, 2018

Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.

Bill Text

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Introduced in SenateIssued March 7, 2018

II

115th CONGRESS

2d Session

S. 2507

IN THE SENATE OF THE UNITED STATES

March 7, 2018

Mr. Barrasso introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions

A BILL

To require short-term limited duration insurance issuers to renew or continue in force such coverage at the option of the enrollees.

1.

Short title

This Act may be cited as the Improving Choices in Health Care Coverage Act.

2.

Short-term limited duration insurance

(a)

Definition

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:

(6)

Short-term limited duration insurance

The term short-term limited duration insurance means health insurance coverage provided pursuant to a contract with a health insurance issuer that has an expiration date specified in the contract (not taking into account any extensions that may be elected by the policyholder with or without the issuer's consent) that is less than 12 months after the original effective date of the contract.

.

(b)

Guaranteed renewability

Section 2703 of the Public Health Service Act (42 U.S.C. 300gg–2) is amended—

(1)

in subsection (a), by inserting or offers short-term limited duration insurance after group market; and

(2)

by adding at the end the following:

(f)

Application to short-Term limited duration insurance

(1)

In general

In applying this section in the case of short-term limited duration insurance—

(A)

a reference to health insurance coverage with respect to such coverage offered in the individual market shall be deemed to include short-term limited duration insurance; and

(B)

a reference to health insurance issuer with respect to health insurance coverage offered in the individual market shall be deemed to include an issuer of short-term limited duration insurance.

(2)

Special rule for short-term limited duration insurance

In the case of short-term limited duration insurance, at the time of application for enrollment in such insurance coverage, an individual may decline renewability of such coverage in accordance with this section, and the contract between such individual and the health insurance issuer shall specify whether the individual opted for renewability or no renewability.

.

(c)

Applicability

The amendments made by subsections (a) and (b) shall apply with respect to contracts for short-term limited duration insurance that take effect on or after May 1, 2018.