Congress insurance bills

What it would do: Amends the Homeowner Flood Insurance Affordability Act of 2014 to exempt ecosystem restoration projects from flood hazard map change request fees and allow communities to permit such projects in regulatory floodways if they increase base flood elevation by no more than 1 foot and meet other conditions.

What it would do: Extends the Terrorism Risk Insurance Act of 2002 program termination date from 2027 to 2034 and adjusts the timing of mandatory recoupment provisions by shifting specified years forward by seven years.

What it would do: Requires the SEC to create registration forms for non-variable registered annuities and life insurance products within 30 months, designed to provide purchasers necessary information while limiting insurer disclosures to those in existing forms.

What it would do: Amends federal employee health benefit plans to require pharmacy benefit managers to reimburse in-network pharmacies based on national average drug acquisition cost plus 4% or $50, pay state Medicaid dispensing fees, pass manufacturer rebates to beneficiaries at point of sale, and prohibits directing patients to specific pharmacies or restricting pharmacy networks.

What it would do: Congress disapproves the Centers for Medicare & Medicaid Services rule implementing prior authorization for select services under the WISeR Model, published July 1, 2025, and nullifies the rule.

What it would do: Amends ERISA to exclude stop-loss insurance obtained by self-insured group health plans from the definition of health insurance coverage, and preempts state laws that prevent group health plans from obtaining such insurance against excess claims losses.

What it would do: Requires the Assistant Secretary of Commerce to establish a working group within 90 days to analyze cyber insurance policies and develop informative resources for customers and issuers, then disseminate those resources publicly within 90 days after the working group submits its report to Congress.

What it would do: Amends Medicare prescription drug plan rules to allow the Secretary to specify through rulemaking circumstances where loss of coverage from nonpayment of premiums is treated as involuntary rather than voluntary.

What it would do: Requires FEMA to include detailed premium, discount, and rating information on flood insurance policy declaration pages within 12 months, and to develop an online flood insurance information tool within 36 months showing premiums, risk factors, and flood history for properties with available NFIP coverage.

What it would do: Requires group health plans and health insurance issuers imposing prior authorization requirements to submit and publicly display data on approval and denial rates, appeal outcomes, decision timeframes, and use of automated technology for plan years beginning January 1, 2027.

What it would do: Establishes workplace protections and economic security measures for survivors of domestic violence, dating violence, sexual assault, stalking, and related violence, including mandatory paid safe leave, employment discrimination protections, unemployment compensation eligibility, and insurance protections.

What it would do: Congress disapproves the Centers for Medicare & Medicaid Services rule implementing prior authorization for select services under the WISeR Model, published July 1, 2025, and nullifies the rule.

What it would do: Establishes an independent, nonpartisan 26-member Commission on Natural Disaster Risk Management and Insurance to examine natural disaster risks, insurance availability and affordability, mitigation efforts, and financial mechanisms. The Commission must submit findings and recommendations to Congress within 2 years, then terminate 90 days later.

What it would do: Amends the Public Health Service Act to define short-term limited duration insurance as health coverage with an expiration date not more than 12 months after the original effective date, and permits renewal guarantees allowing policyholders to purchase future policies without additional underwriting.

What it would do: Amends the Affordable Care Act to prohibit federal tax dollars from being used to provide health insurance coverage or benefits to individuals who are not U.S. citizens or lawfully present aliens, and requires rescission of waivers within 30 days that would violate this restriction.

What it would do: Requires private insurance, Medicare, Medicaid, CHIP, VA, DoD, and Indian Health Service to cover HIV prevention drugs and related services without cost-sharing. Prohibits life, disability, and long-term care insurers from denying coverage or raising premiums based on HIV prevention medication use.

What it would do: Amends the National Flood Insurance Act to require the Administrator to disclose flood insurance policy and claims information to participating insurance companies under data sharing agreements, and to provide flood history information to property purchasers, lessees, and owners upon request.

What it would do: Expands Veterans Affairs life insurance eligibility to all veterans under 81 years old regardless of service-connected disability status, allows reimbursement of administrative costs from the Veterans Insurance and Indemnities account, and includes Space Force members in Traumatic Servicemembers' Group Life Insurance eligibility.

What it would do: Eliminates the Federal Insurance Office and establishes a United States Insurance Representative to coordinate federal insurance policy and represent the U.S. in international insurance matters, with authority to preempt state insurance measures inconsistent with covered international agreements.

What it would do: Establishes a means-tested assistance program providing graduated discounts to eligible National Flood Insurance Program policyholders so premiums do not exceed 1 percent of area median income, appropriates $250 million annually, and requires monthly installment payment options within 180 days.

What it would do: Amends the Public Health Service Act to allow health insurance issuers to offer individual coverage in multiple states while being regulated primarily by one designated state, exempting them from most secondary state insurance laws except taxes, fraud enforcement, and claims settlement practices.

What it would do: Lowers health care costs through premium payment caps, biometric verification, Healthcare Affordability Accounts, price transparency requirements for hospitals and providers, and state innovation waivers for reinsurance and high-risk pools. Restricts coverage of abortion and gender transition procedures.

What it would do: Establishes a Natural Disaster Risk Reinsurance Program in the Treasury to protect insurers from insolvency by making federal payments to participating states when insured losses from covered natural disasters exceed state-specific trigger amounts, with states required to repay federal amounts within 10 years.