For marketplace watchers, the rural health transformation fund scoring methodology will penalize states that regulate short-term, limited-duration insurace (STLDI) — plans that often offer narrow benefits with annual and lifetime limits — more aggresively than the federal government.
September 15, 2025 at 4:13 PM
For marketplace watchers, the rural health transformation fund scoring methodology will penalize states that regulate short-term, limited-duration insurace (STLDI) — plans that often offer narrow benefits with annual and lifetime limits — more aggresively than the federal government.
In other cases, they're more difficult to understand/explain. For those who are more expert in STLDI issues, is it clear why the STLDI score should be binary? That is, it doesn't distinguish between different ways STLDI plans would be regulated beyond the fed guidance (using words like "any"). /end
September 15, 2025 at 5:15 PM
In other cases, they're more difficult to understand/explain. For those who are more expert in STLDI issues, is it clear why the STLDI score should be binary? That is, it doesn't distinguish between different ways STLDI plans would be regulated beyond the fed guidance (using words like "any"). /end
I filed comments on the Biden administration's proposal to strip short-term plans from patients after they get sick.
www.cato.org/blog/dear-bi... #CatoHealth #STLDI
www.cato.org/blog/dear-bi... #CatoHealth #STLDI
September 19, 2023 at 4:30 PM
I filed comments on the Biden administration's proposal to strip short-term plans from patients after they get sick.
www.cato.org/blog/dear-bi... #CatoHealth #STLDI
www.cato.org/blog/dear-bi... #CatoHealth #STLDI
Wow. STLDI plans offer cheaper premiums, but can leave you on the hook just when you need care the most. They're called "Swiss Cheese Plans" for a reason. Seems...less than ideal for rural areas.
For marketplace watchers, the rural health transformation fund scoring methodology will penalize states that regulate short-term, limited-duration insurace (STLDI) — plans that often offer narrow benefits with annual and lifetime limits — more aggresively than the federal government.
September 15, 2025 at 4:19 PM
Wow. STLDI plans offer cheaper premiums, but can leave you on the hook just when you need care the most. They're called "Swiss Cheese Plans" for a reason. Seems...less than ideal for rural areas.
Exactly — a Trump/ Vance administration would immediately set about relaxing STLDI standards once again and suddenly the clock gets turned back, on the reach of these hard-won ACA protections. Suddenly what’s supposed to be short term transitional policy can last 364 days and stack for 3 years
September 19, 2024 at 7:19 PM
Exactly — a Trump/ Vance administration would immediately set about relaxing STLDI standards once again and suddenly the clock gets turned back, on the reach of these hard-won ACA protections. Suddenly what’s supposed to be short term transitional policy can last 364 days and stack for 3 years
They mentioned that they had initially proposed "Eligible non-QHPs" (Copper plans & Disease Management plans) which would have been state-created but closer to QHPs than something like STLDI. Their initial proposal called for APTC for Eligible non-QHPs, but they removed that in the July 2020 version
December 2, 2024 at 8:10 PM
They mentioned that they had initially proposed "Eligible non-QHPs" (Copper plans & Disease Management plans) which would have been state-created but closer to QHPs than something like STLDI. Their initial proposal called for APTC for Eligible non-QHPs, but they removed that in the July 2020 version
“Yes, the premiums for short-term, limited-duration insurance (STLDI) are cheap(er) than plans that cover more of what you likely will need, but they will put you at risk of bankruptcy – and maybe even the graveyard – if (and when) a bad thing happens to you.” open.substack.com/pub/healthca...
With Return of Junk Insurance, Washington and Big Health Insurers Leave Families Exposed
Medicaid cuts, ACA premium increases and opening the door for so-called catastrophic coverage will hit Americans right where it hurts.
open.substack.com
October 6, 2025 at 1:36 PM
“Yes, the premiums for short-term, limited-duration insurance (STLDI) are cheap(er) than plans that cover more of what you likely will need, but they will put you at risk of bankruptcy – and maybe even the graveyard – if (and when) a bad thing happens to you.” open.substack.com/pub/healthca...
The federal govt should:
- Repeal the ACA & all federal health insurance regs
- Free everyone to buy coverage exempt from federal regs via a new category of coverage, codifying the 2018 STLDI rule & codifying BO's 2014 guidance exempting territories
www.cato.org/blog/do...
6/6
- Repeal the ACA & all federal health insurance regs
- Free everyone to buy coverage exempt from federal regs via a new category of coverage, codifying the 2018 STLDI rule & codifying BO's 2014 guidance exempting territories
www.cato.org/blog/do...
6/6
DOGE Recommendations: Slash Federal Health Care Regulation
Individuals have a right to self-medicate, choose their health care providers, and choose whether and how to pool medical expenses with others. When the government respects these rights, health care becomes more universal as a matter of course.
www.cato.org
December 19, 2024 at 4:54 PM
The federal govt should:
- Repeal the ACA & all federal health insurance regs
- Free everyone to buy coverage exempt from federal regs via a new category of coverage, codifying the 2018 STLDI rule & codifying BO's 2014 guidance exempting territories
www.cato.org/blog/do...
6/6
- Repeal the ACA & all federal health insurance regs
- Free everyone to buy coverage exempt from federal regs via a new category of coverage, codifying the 2018 STLDI rule & codifying BO's 2014 guidance exempting territories
www.cato.org/blog/do...
6/6
In the STLDI proposed rule (pg 55), HHS seeks comments about how limiting STLDI sales during ACA OEP might affect enrollment. WA & ME have done this. Last I checked, neither has any STLDI policies for sale. https://www.healthinsurance.org/so-long-to-limits-on-short-term-plans/#current
#HealthPolicy
#HealthPolicy
July 7, 2023 at 5:54 PM
In the STLDI proposed rule (pg 55), HHS seeks comments about how limiting STLDI sales during ACA OEP might affect enrollment. WA & ME have done this. Last I checked, neither has any STLDI policies for sale. https://www.healthinsurance.org/so-long-to-limits-on-short-term-plans/#current
#HealthPolicy
#HealthPolicy
I hope the Republican House majority is small enough to preclude effectively repealing the ACA Medicaid expansion.
Likelier (?) bites taken out of ACA enrollment/programs:
1. Medicaid work rqs
2. Renewed STLDI market on steroids
3. Verma's "waiver concepts"
xpostfactoid.substack.com/p/if-the-aca...
Likelier (?) bites taken out of ACA enrollment/programs:
1. Medicaid work rqs
2. Renewed STLDI market on steroids
3. Verma's "waiver concepts"
xpostfactoid.substack.com/p/if-the-aca...
If the ACA is not repealed
It may be merely maimed by 1000 cuts
xpostfactoid.substack.com
December 6, 2024 at 3:03 PM
I hope the Republican House majority is small enough to preclude effectively repealing the ACA Medicaid expansion.
Likelier (?) bites taken out of ACA enrollment/programs:
1. Medicaid work rqs
2. Renewed STLDI market on steroids
3. Verma's "waiver concepts"
xpostfactoid.substack.com/p/if-the-aca...
Likelier (?) bites taken out of ACA enrollment/programs:
1. Medicaid work rqs
2. Renewed STLDI market on steroids
3. Verma's "waiver concepts"
xpostfactoid.substack.com/p/if-the-aca...
While the Trump STLDI rule clarified that insurers were free to offer renewal guarantees, the next president could take that freedom away at the stroke of an autopen. So insurers did not have sufficient incentive to invest in renewal guarantees.
Health Insurance Affordability: the Trump Administration Overthinks a Short Putt
The administration must push Congress to make Obamacare relief permanent.
mfcannon.substack.com
June 6, 2026 at 12:02 AM
While the Trump STLDI rule clarified that insurers were free to offer renewal guarantees, the next president could take that freedom away at the stroke of an autopen. So insurers did not have sufficient incentive to invest in renewal guarantees.
The only flaw in the Trump STLDI rule is that it was not permanent.
Health Insurance Affordability: the Trump Administration Overthinks a Short Putt
The administration must push Congress to make Obamacare relief permanent.
mfcannon.substack.com
June 5, 2026 at 6:55 PM
The only flaw in the Trump STLDI rule is that it was not permanent.
Under the Trump STLDI rule, Obamacare premiums did not spike and enrollment did not fall, as critics predicted. Instead, while the Trump rule was in place from 2018 to 2024, Obamacare premiums stabilized and enrollment increased.
Health Insurance Affordability: the Trump Administration Overthinks a Short Putt
The administration must push Congress to make Obamacare relief permanent.
mfcannon.substack.com
June 5, 2026 at 1:32 PM
Under the Trump STLDI rule, Obamacare premiums did not spike and enrollment did not fall, as critics predicted. Instead, while the Trump rule was in place from 2018 to 2024, Obamacare premiums stabilized and enrollment increased.
STLDI plans offer comprehensive health insurance to many or most Obamacare enrollees at premiums 60 percent (Congressional Budget Office) to 66 percent (Kaiser Family Foundation) below the lowest-price Obamacare plans.
Health Insurance Affordability: the Trump Administration Overthinks a Short Putt
The administration must push Congress to make Obamacare relief permanent.
mfcannon.substack.com
June 5, 2026 at 12:44 AM
STLDI plans offer comprehensive health insurance to many or most Obamacare enrollees at premiums 60 percent (Congressional Budget Office) to 66 percent (Kaiser Family Foundation) below the lowest-price Obamacare plans.
In 2018, Trump clarified that STLDI could last 12 months, insurers could renew for up to 24 additional months, and insurers could guarantee that consumers could enroll in a new STLDI plan at healthy-person premiums, even if had fallen seriously ill.
Health Insurance Affordability: the Trump Administration Overthinks a Short Putt
The administration must push Congress to make Obamacare relief permanent.
mfcannon.substack.com
June 4, 2026 at 5:10 PM
In 2018, Trump clarified that STLDI could last 12 months, insurers could renew for up to 24 additional months, and insurers could guarantee that consumers could enroll in a new STLDI plan at healthy-person premiums, even if had fallen seriously ill.
Make Trump’s Obamacare relief (his 2018 STLDI rule) and Obama’s 2014 relief both universal & permanent:
Universal, Permanent Health Insurance Relief: Obamacare for Those Who Want It, Choice for Those Who Don’t
When Obamacare made coverage unaffordable and rationed care, both President Barack Obama and President Donald Trump offered relief. Congress should make the relief the two presidents pioneered both universal and permanent.
www.cato.org
January 12, 2026 at 9:58 PM
Make Trump’s Obamacare relief (his 2018 STLDI rule) and Obama’s 2014 relief both universal & permanent:
STLDI plans are generally worse than current ACA plans, though they may be less expensive...because they cover less.
#mepolitics
#mepolitics
December 7, 2024 at 1:35 PM
STLDI plans are generally worse than current ACA plans, though they may be less expensive...because they cover less.
#mepolitics
#mepolitics
This EO's solution is AHPs, STLDI, and HRAs. I'm not a health insurance expert, so I'll do my best with these.
#mepolitics
#mepolitics
December 7, 2024 at 12:59 PM
This EO's solution is AHPs, STLDI, and HRAs. I'm not a health insurance expert, so I'll do my best with these.
#mepolitics
#mepolitics
John Thune thinks folks can’t remember back to 2018 when Trump and the GOP changed ACA/Obamacare rules to allow short term junk insurance plans (STLDI) that were essentially no health insurance coverage at all.
www.nytimes.com/2017/10/21/u...
www.nytimes.com/2017/10/21/u...
Cheaper Health Plans Promoted by Trump Have a History of Fraud (Published 2017)
www.nytimes.com
October 9, 2025 at 11:12 PM
John Thune thinks folks can’t remember back to 2018 when Trump and the GOP changed ACA/Obamacare rules to allow short term junk insurance plans (STLDI) that were essentially no health insurance coverage at all.
www.nytimes.com/2017/10/21/u...
www.nytimes.com/2017/10/21/u...
ICYMI: the definition of Short-Term Limited Duration Insurance has changed. Listen to learn more about the new definition, new interpretation of the rules around selling it, and more! lnk.to/ASG715
#ShortTermInsurance #STLDI #HealthInsuranceUpdates #ACA #InsuranceAgents #HealthPolicy
#ShortTermInsurance #STLDI #HealthInsuranceUpdates #ACA #InsuranceAgents #HealthPolicy
November 5, 2025 at 10:02 PM
ICYMI: the definition of Short-Term Limited Duration Insurance has changed. Listen to learn more about the new definition, new interpretation of the rules around selling it, and more! lnk.to/ASG715
#ShortTermInsurance #STLDI #HealthInsuranceUpdates #ACA #InsuranceAgents #HealthPolicy
#ShortTermInsurance #STLDI #HealthInsuranceUpdates #ACA #InsuranceAgents #HealthPolicy
Exactly how did Republicans create a national health plan that endangers the health, safety and lives of millions of American citizens?
This is how they did it.
We still have to answer the central question:
Why did Republicans make healthcare so impossibly expensive for your family and mine?
This is how they did it.
We still have to answer the central question:
Why did Republicans make healthcare so impossibly expensive for your family and mine?
December 13, 2025 at 12:16 PM
Exactly how did Republicans create a national health plan that endangers the health, safety and lives of millions of American citizens?
This is how they did it.
We still have to answer the central question:
Why did Republicans make healthcare so impossibly expensive for your family and mine?
This is how they did it.
We still have to answer the central question:
Why did Republicans make healthcare so impossibly expensive for your family and mine?