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Shelly Rogers
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Shelly Rogers   My Press Releases

President Trump to Expand Short-Term Insurance Plans

Published on 3/17/2018
For additional information  Click Here

President Trump to Expand Short-Term Insurance Plans


New rule would extend limited-duration insurance plans for longer terms, providing more choices and cheaper options for individuals and families.

In response to President Trump's Executive Order 13813 in October of 2017 regarding extending the duration of short-term health insurance policy terms, the Departments of Health and Human Service, Labor, and the Treasury proposed on February 20, 2018 to expand the availability of short-term, limited duration health insurance. Supporters of this proposal believe that this will fuel greater competition among insurance providers while making health care affordable and accessible for Americans. If the proposed rule is finalized, it will expand the choices available to individuals and families who are unable to acquire a permanent health insurance option.

Prior to 2016, when the Obama administration shortened the duration of short-term health insurance to 90 days, limited-duration policies could offer coverage for up to 364 days. When the Affordable Care Act passed, the duration shortened to discourage individuals from foregoing ACA-compliant coverage in favor of cheaper plans with fewer benefits. A final rule was published in 2016, which limited short-term health coverage to a duration of less than three months, in spite of the fact that many state regulators expressed concern that this would harm consumers by limiting their options and increasing the cost of coverage. Because short-term health insurance plans do not meet the requirements established by ACA, individuals who are on these plans for longer than three months are required to pay a tax penalty for being uninsured. Oftentimes, this cost of this tax penalty is equivalent to the cost of the cheapest ACA-compliant option.

Unlike long-term ACA-compliant plans, short-term health insurance plans are not required to cover pre-existing conditions, maternity care, preventative care, and other basic health care needs. They are designed to provide coverage for individuals who will be without health insurance for a brief period of time, such as those who have changed jobs, are aging off of their parents' plan, no longer qualify for Medicaid or CHIP, or are moving back to the United States after living abroad. Short-term insurance generally has more affordable premiums than permanent health insurance but has higher co-pays and deductibles.

Access to these plans has become important as insurance premiums have increased and competition among insurers has decreased. Those who have experienced job loss, who do not have access to employer-based health insurance, or who simply cannot afford the high costs of coverage may be helped by President Trump's executive order. Taking advantage of the longer limited-duration insurance coverage options may make the difference between someone getting basic coverage or not being able to afford coverage at all.

The proposed rule would address the problems associated with limited health insurance options by reverting to the previous definition of short-term insurance, permitting consumers to have non-ACA-compliant coverage for nearly a full year. 

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For over 15 years Shelly Rogers was a Cardiac Registered Nurse helping people pre and post cardiac surgery. For 5 years she worked for Anthem Blue Cross and Blue Shield where she was a top producing agent in the nation in 2011, 2012 and 2013 for Individual and Family Health Insurance sales. She is the President of Nevada Insurance Enrollment, owner of Farmers Insurance (Shelly Rogers Agency), and a Member of NAHU (National Association of Health Underwriters), Nevada Chapter.

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