Short-Term Health Plans: Still Bad for Consumers and the Individual Market

By Dania Palanker, Kevin Lucia, and Emily Curran

Short-term health plans are limited duration policies that are designed to fill temporary gaps in coverage.

Short-term plans do not have to comply with protections in the Affordable Care Act (ACA), including essential health benefits, no discrimination against people with pre-existing conditions, and limits on cost-sharing. There have been some efforts, including a letter signed by 14 Senators and sent to Secretary of Health and Human Services Tom Price, to allow short-term plans to be offered for longer than 3 months.

In their latest article for The Commonwealth Fund’s To the Point blog, CHIR experts Dania Palanker, Kevin Lucia and Emily Curran examine short-term plans offered in 14 states and how they compare to ACA compliant plans in regards to benefits covered, preexisting condition protections, and cost sharing protections. You can read the full blog post here.

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