H. R. 639 is a rule that says doctors get to decide what care their patients need without anyone else checking if it’s necessary or okay to do it, starting in 2026. This means doctors can choose treatments for people, and insurance companies won’t have special steps to check things first.

H.R. 643 wants to close down a special office in the government that looks after insurance issues, but it doesn't tell us why or what will happen if they do this. It also doesn't say what will take its place, which might make it harder to keep an eye on insurance things properly.