Short-Term, Limited-Duration Insurance Rule

Short-Term, Limited-Duration Insurance Rule

The short-term, limited-duration insurance final rule limits the duration of these types of insurance plans. CHA's comments support those limits.

On March 28, the administration released its final rule on Short-Term, Limited-Duration Insurance (STLDI) health plans. The rule reverses the Trump administration’s extension of the STLDI maximum coverage period to 36 months.

STLDI plans are designed to fill temporary gaps in private coverage and do not have to comply with ACA consumer protections, including coverage of preexisting conditions. Under the final rule, new STLDI plans that are sold or issued on or after Sept. 1, 2024, will be limited to a maximum coverage period of no more than four months. The final rule also strengthens consumer notices that insurers must post about the limitations of this coverage. We had joined with other children’s and disability groups in support of the rule.

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