policy

In December 2024, ACAP submitted an amicus curiae brief in response to the American Association of Ancillary Benefits and others, “Plaintiffs,” challenge of the 2024 Rule designed to protect consumers from short-term, limited-duration (STLDI) “junk” insurance plans.

ACAP’s members will be adversely affected if Plaintiffs succeed in their challenge to the 2024 Rule because their customers could be deceived into buying skimpy insurance that does not provide sufficiently protective coverage. In addition, the potential diversion of individuals from the ACA marketplace likely would result in higher premiums for the ACA-compliant insurance that ACAP’s members provide. Indeed, detailed studies found that those adverse effects followed from the 2018 Rule. Amicus submits this brief to explain the harm that resulted from the 2018 Rule—harm that will be prevented by the 2024 Rule.

Read the 2024 filing in full via the sidebar to the right.