Letter Opposing Recently Proposed Rule on Short-Term Limited Duration Plans

The Alliance joins other organizations opposing a recently proposed rule regarding short-term limited duration plans (STLDs), due to the impact it would have on access to comprehensive and affordable health coverage for Americans. The letter highlights how “expanding access to these policies will likely cause premiums in the individual insurance marketplace to increase dramatically, as younger and healthier individuals choose to enroll in cheap short-term plans. Allowing STLDs to proliferate would force individuals, including those with serious or chronic diseases and disabilities, into a smaller, sicker market to obtain the coverage they need to manage their health. Premiums for comprehensive plans that meet federal standards would likely skyrocket, and plans would likely exit the market. This will make insurance either unavailable or unaffordable for those who rely on the marketplace to get coverage.”