Patient's Choice Act of 2024

S 3932, the Patient's Choice Act of 2024, prohibits federal agencies from implementing or enforcing a 2023 proposed rule that would have reduced the maximum duration for short-term health insurance plans. The bill blocks efforts to lower the current 36-month limit (including renewals) for short-term limited duration insurance, which is defined as coverage expiring within 12 months of the original start date but lasting no more than 36 months total. This directly affects health insurance issuers who sell these plans and consumers who purchase them, maintaining the existing regulatory framework for short-term coverage. The bill does not create new rules but prevents a specific regulatory change from taking effect.