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How Short-Term Health Insurance Plans Can Be An Affordable Solution For People In Transition (Guest: Greg George)

February 28, 2019

In 2018, the Trump Administration broadened the availability of short-term health insurance for people who need a short-term solution for health insurance.

Short-term insurance plans have been available for many years but when the ACA went into effect, the federal government restricted their availability to 3 months with no option to renew.  Under new federal rules, consumers can now purchase these plans for 364 days and renew them for up to three years. In his report, Short-Term Plans: Affordable options for America’s Uninsured, Greg George of the Foundation for Government Accountability, makes the case of how these plans can be an affordable option for people in quick need of affordable health insurance. Short-term plans offer more options at lower costs because they are exempt from many ACA requirements.  In the podcast, Greg discusses how the plans might be a solution for more than 2 million people who are currently uninsured, what the plans cost, what they do and don’t offer, whether consumers with pre-existing conditions can qualify and how individual states play a role in their availability. He also explains why he doesn’t believe the plans undermine the ACA as critics claim and why they are a far better option than allowing the uninsured from going without or enrolling in Medicaid.
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AnneMarie Schieber is a research fellow at The Heartland Institute and managing editor of Health Care News, Heartland's monthly newspaper for health care reform. @HCPolicy