Health Insurance Coverage Protection Act
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Health Insurance Coverage Protection Act - Amends the Employee Retirement Income Security Act (ERISA) and the Public Health Service Act to prohibit a group health plan from imposing an aggregate lifetime benefit limit of less than: (1) $5 million for the first two plan years; (2) $10 million for the third and fourth plan years; and (3) adjusted amounts based on the consumer price index for subsequent plan years. Excludes from such prohibition a group health plan offered to employees of a small employer, except upon request of the employer for a consistent limit.
Requires the Secretary of Health and Human Services to contract with the Institute of Medicine for a study to determine the number of individuals who have reached the lifetime limitations set forth in this Act.
Referred to the Subcommittee on Health, Employment, Labor, and Pensions.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 1085: Health Insurance Coverage Protection Act. 111th Congress. Open America. https://openamerica.io/bill/111-HR-1085/
"H.R. 1085: Health Insurance Coverage Protection Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-1085/.
H.R. 1085, 111th Cong. (2026), https://openamerica.io/bill/111-HR-1085/.
[H.R. 1085: Health Insurance Coverage Protection Act](https://openamerica.io/bill/111-HR-1085/)