23, the Departments of Health
and Human Services, Labor, and Treasury released a proposal to extend the availability of
short-term health insurance plans. The new rule would extend the maximum
duration of short-term plans-which are not required to cover all of the Affordable
Care Act’s (ACA) essential health benefits (EHBs)-from just under three months
to 364 days. The proposed changes stem from the Oct. 12, 2017 executive order issued by President Trump that
provided for HHS to make regulatory changes to health insurance plans.
between jobs, those who find ACA plans too expensive or people whose providers
are out-of-network under ACA plans could potentially benefit from these newly
extended short-term plans, according to an HHS fact sheet. According to Centers for Medicare
& Medicaid Services Administrator Seema Verma, “allowing short-term,
limited-duration insurance to cover longer periods gives Americans options and
could be the difference between someone getting coverage or going without
Department of Labor has already proposed its companion regulation to widen access to a form of
coverage known as association health plans. The proposed rule would reclassify
such plans so that they no longer have to include the 10 EHBs—which include pediatric
oral health and mental health services. The proposed rule does include measures
to help consumers who purchase short-term, limited-duration policies understand
the coverage they are getting. The proposal would require one of two versions
of a notice to appear in the contract and in any application materials that the
plan is not required to comply with ACA provisions.
is monitoring these proposals and working with our coalition partners to ensure
that oral health coverage remains a part of health care coverage.