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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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Status:
Expired
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Additional Information
Print number: 117_HR_7512
Sponsor: Rep. Hayes, Jahana [D-CT-5]
Process start date: 2022-04-14
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
AI work logs for this document launch

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.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Health