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S. 3418

U.S. Senate•In Senate Committee

Summary

S. 3418, the COMPETE Act, was introduced in the Senate on Dec 10, 2025 by Sen. Ted Cruz (R) with 1 co-sponsor. It was referred to Health, Education, Labor, And Pensions, and last saw action on Dec 10, 2025: Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Record

Text

S. 3418 has 1 co-sponsor.

sb3418/introduced-in-senate.txt
119 S3418 IS: Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced affordability Act
 U.S. Senate
 2025-12-10
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 II  119th CONGRESS  1st Session  S. 3418  IN THE SENATE OF THE UNITED STATES   December 10, 2025   Mr. Cruz  (for himself and  Mr. Budd ) introduced the following bill; which was read twice and referred to the  Committee on Health, Education, Labor, and Pensions    A BILL
To ensure competition in health insurance markets.
1.
Short title
This Act may be cited as the   Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced affordability Act   or the   COMPETE Act  .
2.
Short-term limited duration insurance
Section 2791(b) of the Public Health Service Act ( 42 U.S.C. 300gg–91(b) ) is amended by adding at the end the following:
(6)
Short-term limited duration insurance
The term  short-term limited duration insurance  means a plan providing health insurance coverage pursuant to a contract with a health insurance issuer—
(A)
that has an expiration date specified in the contract that is not more than 12 months after the original effective date of the contract; and
(B)
which may include a renewal guarantee that permits a policyholder to elect to purchase, for periods of time following expiration of the initial contract, another policy or policies at some future date, at a premium that would not reflect any additional underwriting.
 .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-12-10
  2. Passed Senate
  3. Passed House
  4. Conference
  5. To President
  6. Became Law

A bill to ensure competition in health insurance markets.

Sponsors

Sen. Ted Cruz (R) sponsors S. 3418, and 1 member has co-sponsored it from the day it was introduced.

Committees

S. 3418 went before 1 committee: Health, Education, Labor, and Pensions.

Health, Education, Labor, and Pensions
Health, Education, Labor, and Pensions
Referred To · Dec 10, 2025 · 747 Bills

Actions

S. 3418 has taken 2 actions since Dec 10, 2025.

ChamberAction
Dec 10, 2025
Senate
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.Health, Education, Labor, and Pensions Committee
Dec 10, 2025
—
Introduced in Senate

Votes

S. 3418 has not gone to a roll call.

1 bill is related to S. 3418, as Identical bill.

Titles

S. 3418 goes by 4 titles, 2 of them short titles.

  • COMPETE Act — Display Title
  • COMPETE Act — Short Title(s) as Introduced
  • Competition and Openness in Markets to Promote Efficiency, Transparency, and Enhanced affordability Act — Short Title(s) as Introduced
  • A bill to ensure competition in health insurance markets. — Official Title as Introduced

Lobbying

2 clients hired 2 firms and 12 registered lobbyists who named S. 3418 in 5 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Small Business, Alcohol and Drug Abuse, Copyright/Patent/Trademark, Education, Firearms/Guns/Ammunition, Health Issues, Immigration, Insurance.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)—District of Columbia13—
MASSACHUSETTS MEDICAL SOCIETY—Massachusetts12—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)13—
MASSACHUSETTS MEDICAL SOCIETY12—

Lobbyists

Named on the filings that cite the bill.

LobbyistFirmsClientsFilings
ADAM TEMPLE113
BRAD CLOSE113
DYLAN ROSNICK113
JOSHUA MCLEOD113
LOUIS BERTOLOTTI113
TIMOTHY NUNGESSER113
TYLER DEVER113
CASEY ROJAS112
MARY HAMBY112
ANDREA MCGEE111
JEFFREY BRABANT111
KELSEY SNYDER111

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)2026 second_quarter$1.7M2nd Quarter - Report
NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)2026 first_quarter$1.3M1st Quarter - Report
NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)NFIB (NATIONAL FEDERATION OF INDEPENDENT BUSINESS)2025 fourth_quarter$1.2M4th Quarter - Report
MASSACHUSETTS MEDICAL SOCIETYMASSACHUSETTS MEDICAL SOCIETY2025 first_quarter$80K1st Quarter - Report
MASSACHUSETTS MEDICAL SOCIETYMASSACHUSETTS MEDICAL SOCIETY2025 second_quarter$50K2nd Quarter - Report

Classification

The Congressional Research Service files S. 3418 under Health, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; S. 3418’s is Health.

s3418/policy-areas.txt
HealthAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesFinance and Financial SectorForeign Trade and International FinanceGovernment Operations and PoliticsHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Source: congress.gov · legiscan.com