FEATURED
NEW: After leaving his job to launch his own business, an Illinois man opted for a six-month health insurance plan. When he needed a colonoscopy, he thought it would cover most of the bill. Then the bill came. #BilloftheMonth @Julie_appleby reports. ⤵️ https://t.co/aG7H3wcF5P
— KFF Health News (@KFFHealthNews) March 28, 2025
New @ACS_Research led by @AmericanCancer @NYang57358 out today in @JAMANetworkOpen finds short-term limited duration insurance plans associated with advanced cancer diagnoses. Read more here: https://t.co/9fUdGMY28q pic.twitter.com/GfoD1AorIE
— ACSNews (@ACSNews) March 18, 2025
This was personal — and very hard — for me to write. | Disease took my brother. Our health-care system added to his ordeal. https://t.co/xd9viiZHTD
— Karen Tumulty (@ktumulty) March 11, 2022
A Miami man who flew to China worried he might have coronavirus. He may owe thousands. https://t.co/RN1lRBbTpu pic.twitter.com/FNGS9nasv4
— Jessica Hullinger (@JessHullinger) February 26, 2020
NEWS
2025
He Had Short-Term Health Insurance. His Colonoscopy Bill: $7,000. KFF Health News, March 28
ACS Study Finds Short-Term Limited Duration Insurance Plans Associated With Advanced Cancer Diagnoses American Cancer Society, March 18.
2024
Lawsuit Challenges Administration Requirements For Short-Term Limited Duration Plans Health Affairs, November 1.
Biden reverses a Trump-era policy on cheap but limited short-term health insurance USA Today, April 4.
Press release: ACAP Statement on Final Rule Governing Short-Term, Limited-Duration Insurance March 28.
Biden Administration Finalizes Rule Curbing Use of Short-Term Health Plans New York Times, March 28.
Biden rolls back Trump expansion of short-term ‘junk’ insurance plans The Hill, March 28.
Biden is announcing a new rule to protect consumers who purchase short-term health insurance plans Associated Press, March 28.
2023
Tightening the Rules Around Short-Term Health Insurance Plans Won’t Lead to More People Going Without Insurance The Commonwealth Fund, October 5.
States fear ‘junk’ health plans might ensnare former Medicaid enrollees POLITICO Pro [subscription], September 11.
As ACA Marketplace Enrollment Reaches Record High, Fewer Are Buying Individual Market Coverage Elsewhere KFF, September 7.
Biden administration aims to crack down on short-term health plans, surprise medical billing FIERCE Healthcare, July 7.
Patients, Insurers Laud Biden Bid to Curb Short-Term Coverage Bloomberg Law, July 7.
3 reactions to Biden’s proposed ‘junk’ health insurance crackdown Becker’s Payer Issues, July 7.
Biden admin rolls back Trump-era expansion of short-term health plans Healthcare Dive, July 7.
Press release: ACAP Calls on Administration to Tighten Rules on STLDI Plans ACAP, March 21.
Senate Democrats call on HHS to address ‘junk plans’ Washington Post, February 22.
Senators Baldwin, Murphy Lead 32 Colleagues Urging Biden Administration to Limit Availability of Junk Health Care Plans Senators Tammy Baldwin (D-WI) and Chris Murphy (D-CT), February 22
Rep. Castor Reintroduces Legislation to Throw Away Junk Plans For Good.Representative Kathy Castor (D-FL), February 2.
Pallone, Eshoo, Castor Urge Immediate Action from Biden Administration on “Junk” Short-Term, Limited Duration Insurance Plans Representative Kathy Castor (D-FL), January 31.
2022
The Feds Crack Down on Sham Insurance: New Court Order to Protect Consumers from Deceptive Marketing Center on Health Insurance Reforms, September 14.
Short-Term Health Insurance and the ACA Market. The Commonwealth Fund, March 16.
Opinion: Disease took my brother. Our health-care system added to his ordeal. Washington Post, opinion, March 11.
‘Junk plans’ are an increasing problem in the U.S. Yahoo News, February 22.
Letter from 40 Senators to HHS Secretary Becerra Urging Limits to Sale, Availability of STLDI Plans (U.S. Senate, February 14)
2021
‘An Arm and a Leg’: How to Avoid the Worst Health Insurance (Kaiser Health News, November 29)
Misleading Marketing of Non-ACA Health Plans Continued During COVID-19 Special Enrollment Period (Center on Health Insurance Reforms, October 29)
16 Stakeholders To Becerra: Reverse Short-Term Plan Rule (Inside Health Policy, August 4)
The Supreme Court Protected The ACA. Now, Let’s Protect Americans From Junk Insurance Plans (Health Affairs, July 7)
She’s stuck with $75k in bills after her ‘health care sharing ministry’ refuses to pay (Boston Globe, June 1)
He Bought Health Insurance for Emergencies. Then He Fell Into a $33,601 Trap. (ProPublica, May 8)
Sign-On Letter to Sec. Becerra on Short-Term Plan Regulations Senators Tammy Baldwin (D-WI) and Chris Murphy (D-CT).
It’s Time to Junk “Junk Insurance.” (Common Dreams, April 6)
Under-Covered: How ‘insurance-like’ products are leaving patients exposed. (The Leukemia and Lymphoma Society, March 2021)
2020
Think Your Health Care Is Covered? Beware of the ‘Junk’ Insurance Plan (Kaiser Health News, December 4)
The Congressional Budget Office Definition of “Health Insurance” Leaves Room for Wide Coverage Gaps, Discrimination (Center on Health Insurance Reforms, November 19)
Election Issue Spotlight: “Junk” Insurance Makes a Pandemic Even Worse (The Health Care Blog, October 30)
“Trumpcare” Does Not Exist. Nevertheless Facebook and Google Cash In on Misleading Ads for “Garbage” Health Insurance. (ProPublica, October 20)
Short-term health plans leave patients holding the bag at the worst possible time The Hill, August 4
Comparing Short-term Health Plans is Practically Impossible for Consumers Center on Health Insurance Reforms, July 27
Limitations of Short-Term Health Plans Persist Despite Predictions That They’d Evolve The Commonwealth Fund, July 22
Short-term, limited-duration health plans assailed in Congressional Democrats’ report Association of Health Care Journalists, July 21
Appeals Court Upholds Rule Relaxing Short-Term Plan Restrictions Health Affairs, July 19
Court backs Trump expansion of cheap health insurance plans Associated Press, July 18
Appeals court upholds Trump administration’s expansion of short-term health plans CNN, July 17
Appeals Court Upholds Rule Expanding Short-Term Health Plans Wall Street Journal, July 17
Administrative Actions To Reverse Sabotage and Lower Costs in the ACA Marketplaces Center for American Progress, July 15
U.S. House Investigation Offers New Evidence on the Dangers of Short-Term Plans Center on Health Insurance Reforms, July 9
Taking a broader view of “junk insurance” Brookings, July 6
Some Short-Term Health Plans Pay a 40% Commission: House Energy Investigators ThinkAdvisor, June 30
How Trump gave insurance companies free rein to sell bad health plans Vox, June 30
Short-term ‘junk’ plans widely discriminate against those with pre-existing conditions, House probe finds. Healthcare Dive, June 25.
Shorter-Term Health Plans Force Many to Pay for Lifesaving Treatments, Report Finds Wall Street Journal, June 25.
Patients with Trump-Touted Insurance May Face Steep Virus Bills Bloomberg Law, May 6.
Perspective from Brokers: The Individual Market Stabilizes While Short-Term and Other Alternative Products Pose Risks Urban Institute, April 16.
Misleading marketing of short-term health plans amid COVID-19 Brookings, March 24
Court gathers by phone, YouTube for short-term health plan case Roll Call, March 20
Appeals court weighs legality of ‘junk’ insurance plans amid COVID-19 outbreak Modern Healthcare, March 20
Short-term insurance challenger warns plans are a ‘threat to public health’ HealthCare Dive, February 27.
Health Groups Bash Short-Term Insurance Rule At DC Circ. Law360, February 26.
Advocates Call For STLD Plan Limits After Report Confirms High Costs Inside Health Policy, February 25.
A Miami man who flew to China worried he might have coronavirus. He may owe thousands. Miami Herald, February 24, 2020
Fighting for Coverage. Managed Healthcare Executive, February 8, 2020
NC regulators see a rise in complaints about short-term health insurance. North Carolina Health News, January 30, 2020
Critics: consumers should be wary of short-term health plans. Associated Press, January 22, 2020
2019
Report: Short-term health plans risk leaving patients uncovered. Wisconsin Examiner, December 12, 2019
Senators oppose CMS promoting short term, limited duration plans. Health Payer Intelligence, December 5, 2019
A doctor’s scribbled note leads to patient losing health insurance. Houston Chronicle, November 27, 2019
It’s Enrollment Time for Obamacare. New York Times, November 22, 2019
Critics say ‘junk plans’ are being pushed on ACA exchange. Washington Post, November 20, 2019
He didn’t know he had a preexisting condition — until his insurer rejected his $35,000 hospital bill. Philadelphia Inquirer, November 25, 2019
A Philly woman’s broken back and $36,000 bill show how some health insurance brokers trick consumers into skimpy plans Philadelphia Inquirer, November 14, 2019
Buyer Beware: ‘Junk Plans’ Plague Health Care Market (Editorial). Pittsburgh Post-Gazette, November 8, 2019
A Woman’s Grief Led To A Mental Health Crisis And A $21,634 Hospital Bill. Kaiser Health News/NPR, October 31, 2019
Health Insurance That Doesn’t Cover the Bills Has Flooded the Market Under Trump. Bloomberg News, September 17, 2019
Health System Sues Thousands Of Patients, Seizing Paychecks And Claiming Homes. Kaiser Health News. September 10, 2019.
Short-term health plans spend little on medical care. Modern Healthcare, August 6, 2019
The Next Assault on Affordable Healthcare: Short-Term, Limited-Duration Health Plans. Forbes (opinion), July 12, 2019.
Florida Company Sued Over Sales of Skimpy Health Plans.. New York Times, June 12, 2019.
Pa. woman was convinced she bought Obamacare insurance. She got scammed by a look-alike website. Philadelphia Inquirer, May 22, 2019.
States Step Up to Protect Insurance Markets and Consumers from Short-Term Health Plans. The Commonwealth Fund, May 2, 2019.
Skimpy health plans touted by Trump bring back familiar woes for consumers. Los Angeles Times, April 2, 2019.
Commentary: Short-term, limited-duration health plans pose risks for patients, healthcare providers. Modern Healthcare, February 23, 2019.
2018
Short-Term Health Insurance Isn’t As Cheap As You Think. Consumer Reports, October 2, 2018.
Affordable Health Insurance is On the Ballot in 2018. Ms. Magazine. September 27, 2018.
What to Know Before You Buy Short-Term Health Insurance New York Times, August 1, 2018
Without Obamacare Mandate, ‘You Open the Floodgates’ for Skimpy Health Plans. New York Times. November 30, 2017.
OPINION PIECES BY ALLIED ORGANIZATIONS
Even In 14-Point Text, ‘Buyer Beware’ Is No Organizing Principle For Insurance Reform.
Meg Murray and Heather Foster. Health Affairs Blog. November 3, 2020.
Short-term health plans are a threat, not a victory, for sick patients.
Meg Murray, CEO, ACAP. The Hill, August 3, 2020
Efforts to resist “junk health insurance” in Congress and the courts.
Meg Murray, CEO, ACAP. Annapolis Capital-Gazette, January 26, 2020
Trump’s “junk” health care plans threaten people with mental illnesses.
Mary Giliberti, CEO, NAMI. Salon, October 21, 2018.
What APA is Doing For You: Fighting to Protect Patient Protections in Insurance Law.
Saul Levin, M.D., MPA, CEO, American Psychiatric Association. October 17, 2018.
Short-term health plans = long-term problems.
Meg Murray, CEO, ACAP. Modern Healthcare. April 27, 2018.
Three ways ‘fake insurance’ is undermining the health coverage market.
Meg Murray, CEO, ACAP. Washington Examiner. April 26, 2018.
Short-Term, Limited-Duration Plans: A Disaster for Women and Families.
National Partnership for Women & Families (fact sheet.) April 2018.
Trump’s Insurance Changes Will Undermine Coverage.
Meg Murray, CEO, ACAP. Managed Healthcare Executive. March 6, 2018.
States Limiting Junk Insurance
Gov. Pritzker signs legislation overhauling Illinois’ health insurance industry, banning ‘junk’ plansNM Legislature Passes Preexisting Conditions Bill, Limits Short-Term Plans
Colorado Sets Limits on Short-Term Plans, May Keep Out ‘Bad Actors’
Hawaii enacted legislation in 2018 that mostly prohibits the sale of short-term plans, and insurers have stopped offering short-term plans in the state
Defying Trump, California Legislature bans short-term health insurance
Short-Term Health Plans Must Offer Full Benefits, Vermont Says
New York: Short-term health insurance plans still prohibited
Illinois lawmakers push back against Trump administration's expansion of short-term health insurance