Finding and enrolling in quality health insurance just got harder due to a new rule issued by the Department of Health and Human Services, and I need your help to protect patients just like you and me.
The new rule will dramatically expand the availability of substandard insurance policies known as short-term health plans. These plans are intended to fill gaps in coverage in case of emergency, not act as a permanent health care option, but the rule will extend the availability of these products from their current limit of 90 days to 364 days – one day shy of a requirement to comply with the patient protections and benefits of the Affordable Care Act.
While the proponents of the rule claim it will decrease consumer costs and offer more choice, we can see it for what it is, a BAD RULE.
These could put millions of patients at risk by denying coverage to people with pre-existing conditions, charging incredibly high rates for certain people or specific medical needs, and refusing coverage for necessities like prescription drugs and preventive care. Many patients would be unable to afford even the basics (like blood pressure medication or preventive check-ups), if they could get coverage at all.
We deserve better than these substandard plans. Please join me in demanding state insurance regulators protect patients and take action to prevent this rule from taking hold.