S.3418

COMPETE Act Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced affordability Act

Introduced·12/10/25
Introduced in Senate Text

Federal SB3418 amends the Public Health Service Act to define "short-term limited duration insurance.

Federal SB3418, also known as the COMPETE Act, amends the Public Health Service Act to define "short-term limited duration insurance." This insurance is a plan providing health coverage under a contract with an expiration date not exceeding 12 months from the original effective date. The contract may include a renewal guarantee allowing policyholders to purchase another policy at a future date without additional underwriting. The bill aims to ensure competition in health insurance markets.

Included in complete analysis

  • Overview
  • Core Provisions
  • Implementation
  • Impact
  • Legal Framework
  • Critical Issues

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Where it stands

Current
Health, Education, Labor, And Pensions Committee
Next
Committee decision

Sponsors

0
2
Democratic CaucusRepublican Caucus

History

Dec 10, 2025

Senate

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