WASHINGTON — Though a package of changes pushed by policymakers to stabilize the housing market is billed as a sweeping and systemic way to solve the crisis, it includes several ad hoc provisions that will need to be revisited within two years.

Chief among them is the proposed hike in deposit insurance to $250,000 per depositor, which was added to the bailout bill expected to pass the Senate Wednesday. The provision is meant to stabilize the banking sector and would last for only one year, but observers agreed that lawmakers would make it permanent before it expired.

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