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AgileHealthInsurance Report | 2017-03-06

April 1 2017 Changes to Short-Term Health Insurance

April 1st 2017 changes to short term health insurance

On April 1 there will be significant changes to the way consumers can purchase short-term health insurance. Regulation CMS-9932-F, finalized in late 2016 and effective April 1, will require short-term health insurance to be limited to terms of less than three months. This is a significant change from current law that allows states to determine the length and availability of short-term plans to their residents. Currently short-term plans have been available for up to twelve months, depending on a consumer’s state.

Although this new regulation restricts the length of short-term health insurance plans, it does not mean that consumers will be forced to go without insurance. Instead, they will need to reapply every three months to avoid a lapse in coverage.

Given the political focus on healthcare reform and Executive Orders from the President to reduce regulations, this limitation on short-term health insurance may be rescinded, but not before April 1. We at AgileHealthInsurance.com strongly encourage our customers to buy longer-term plans while they are still available. Apply before April 1. You can cancel your plan later if you find you will not need the additional months.

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Short-term insurance has long been seen as an affordable option for those who need quality health insurance, but may not be able to afford the high premiums associated with an ACA approved plan. Click Here to learn more about short-term health insurance.

Short Term Health Insurance is health insurance outside of the Affordable Care Act ("Obamacare"). Health Benefit Insurance is comprised of fixed indemnity and may include supplemental insurance products and non insurance supplementary health products/services; it is not major medical insurance. Neither Short Term Health Insurance nor Health Benefit Insurance cover pre-existing conditions, they do not include all ten of the minimum essential benefits of Obamacare, and you may be subject to the Affordable Care Act Uninsured Tax. You can learn more here.