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March 4, 2018

Summary

On Tuesday, February 20th, Secretary of Health and Human services, Alex Alzar announced a proposed rule to offer more “short term, limited duration health insurance.” This proposed rule would shorten the maximum time period of all Affordable Care Act (ACA) health care insurance plans from 12 to 3 months. This would increase the presence of short term insurance plans in the ACA marketplace giving more options to Americans who can’t commit to a longer plan like college students taking a semester off or people in between jobs. In a continued effort to undermine the ACA, this change is one of many coming from Trump’s October 2017 Executive Order 13813, “Promoting Healthcare Choice and Competition Across the United States.” The Executive Order is an attempt to reverse and dismantle the ACA’s protections for marketplaces, and ensuring quality plans for individuals not able to afford more expensive plans. The latest change would create more options for cheaper insurance, but not ensure those plans’ qualityLEARN MORE

Analysis

Part of ensuring quality plans under the ACA that include vital benefits meant limiting the existence of these short term plans. This new change will allow for more insurance carriers to offer cheaper plans that exclude important benefits–the reason most of these people need more extensive insurance plans in the first place. It is predicted that between 100,000 and 200,000 of those insured on the 12 month long plan will switch to these lower quality, shorter plans. This will also likely increase the cost of premiums for those that need more extensive coverage, those already burdened by higher medical expenses. After a federal comment period, this law will take place sometime in April or early May. Some states, like California, that prefer the longer coverage have already proposed legislation to prevent this change. LEARN MORE

Engagement Resources

  • NCHC – Learn more about the National Coalition on Healthcare and how they focus on ensuring healthcare reform for vulnerable populations and what this proposal would mean for the country’s sickest.
  • As always, contact your state’s elected officials and voice your concerns.

This brief was compiled by Sophie Adams. If you have comments or want to add the name of your organization to this brief please contact sophie@usresistnews.org.


 

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