To amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage.
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
This bill establishes which state law governs health insurers offering coverage in multiple states. Specifically, the bill provides that the laws of a state designated by a health insurer (primary state) apply to individual health insurance coverage offered by that insurer in any other state (secondary state) if the coverage, states, and insurer comply with the conditions of this bill. Insurers are exempted from any secondary state's laws that would prohibit or regulate the operation of the insurer in that state. The primary state is given sole jurisdiction to enforce its covered laws in any secondary state.
The Government Accountability Office must study the effect of this bill on specified health insurance issues.
Referred to the Subcommittee on Health.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 32: To amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage.. 117th Congress. Open America. https://openamerica.io/bill/117-HR-32/
"H.R. 32: To amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage.." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-32/.
H.R. 32, 117th Cong. (2026), https://openamerica.io/bill/117-HR-32/.
[H.R. 32: To amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage.](https://openamerica.io/bill/117-HR-32/)