New bill lets people buy health insurance from other states.
This bill would let health insurance companies sell individual policies in any state, but follow the rules of just one main state they choose. This means people could buy policies that do not follow all the rules of their home state. However, insurers would be stopped from raising prices based on health when policies are renewed. These changes would start one year after the bill becomes law.
Today, individual health insurance coverage is mostly regulated by the laws of each state where it is sold, leading to many different rules. If this bill passes, individual health insurance policies offered across state lines would be primarily governed by the laws of a single "primary State" chosen by the insurer. Secondary states would have limited power over these policies, especially regarding care management, provider contracts, network access, health data collection, or quality assurance. Individuals would get a notice explaining the differences in coverage and protections.
S 3434 · 119th Congress · December 11, 2025 · AI Summary by gemini-2.5-flash · 8/10
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2 filings mentioned this bill
Amounts reflect total quarterly lobbying spend reported to the Senate, not bill-specific spending. Source: Senate LDA filings.