Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateTennesseeIntroduced
SB 2557: Insurance, Health, Accident - As enacted, authorizes a health insurance entity to offer a short-term limited-duration plan and hospital indemnity coverage on the marketplace. - Amends TCA Title 3; Title 4; Title 5; Title 6; Title 7; Title 8; Title 10; Title 12; Title 29; Title 35; Title 36; Title 37; Title 39; Title 40; Title 41; Title 42; Title 45; Title 47; Title 49; Title 50; Title 52; Title 53; Title 56; Title 58; Title 63; Title 67; Title 68 and Title 71.
Reeves
SB 2557 status: Introduced — Comp. became Pub. Ch. 1036 (updated May 27, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
50OUT OF 100
Score:50/100 civic fit — mixed
Risk:Moderate Risk
Impact:Moderate Impact 60/100
Constitutionality80%
Bipartisan50%
Public opinion50%
Bill summary
Insurance, Health, Accident - As enacted, authorizes a health insurance entity to offer a short-term limited-duration plan and hospital indemnity coverage on the marketplace. - Amends TCA Title 3; Title 4; Title 5; Title 6; Title 7; Title 8; Title 10; Title 12; Title 29; Title 35; Title 36; Title 37; Title 39; Title 40; Title 41; Title 42; Title 45; Title 47; Title 49; Title 50; Title 52; Title 53; Title 56; Title 58; Title 63; Title 67; Title 68 and Title 71.. Currently in Senate.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Mixed / Neutral
50%
Benefits
- Increases product diversity for insurance carriers
- Potential for lower entry-level premium costs
- Encourages market-based competition for plan offerings
Risks
- Risk of market segmentation and adverse selection
- Potential volatility in core insurance market premiums
- Increased compliance and product development overhead
Society
Mixed / Neutral
50%
Benefits
- Provides temporary coverage options for job transitions
- Offers affordable alternatives for budget-constrained consumers
- Increases consumer choice in the insurance marketplace
Risks
- Short-term plans may exclude coverage for pre-existing conditions
- Risk of consumer confusion regarding benefit limitations
- Potential for high out-of-pocket costs for plan users
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Public Health & Safety
Mixed / Neutral
50%
Benefits
- Expands the volume of insurance products available
- Allows for niche coverage suited to specific health needs
- Provides basic indemnity to offset hospital-related costs
Risks
- May fail to provide comprehensive coverage for major illnesses
- Potential for gaps in essential health benefit mandates
- Encourages usage of plans that may not cover chronic care
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
LegiScan returned a PDF-only document. PDF extraction is not enabled in this build, so the pipeline used a safer fallback.
Analysis scope
Full bill text not provided, relying on summary metadata.
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
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06
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