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New rules for limited health plans starting 2023

Starting January 1, 2023, to buy or renew certain limited insurance plans (like accident-only coverage), you will also need to have standard health insurance that covers at least 60% of medical costs. This aims to protect citizens from relying solely on plans that don't provide comprehensive healthcare coverage.
Key points
Limited insurance plans (like accident-only coverage) will only be available to individuals who already have standard health insurance.
Your main health insurance must meet a minimum coverage requirement (at least 60% of costs).
The changes take effect January 1, 2023, for new and renewed policies.
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Additional Information
Print number: 117_HR_7512
Sponsor: Rep. Hayes, Jahana [D-CT-5]
Process start date: 2022-04-14
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Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Protecting Patients from Deceptive Health Plans Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_7512.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-04-14.

What are the main provisions?

Key points include:

  • Limited insurance plans (like accident-only coverage) will only be available to individuals who already have standard health insurance.
  • Your main health insurance must meet a minimum coverage requirement (at least 60% of costs).
  • The changes take effect January 1, 2023, for new and renewed policies.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Hayes, Jahana [D-CT-5].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Health.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

CATEGORIES

Health