Key Flaws of Short-Term Health Plans Pose Risks to Consumers
End Notes
[1] Karen Pollitz et al., “Understanding Short-Term Limited Duration Health Insurance,” Kaiser Family Foundation, April 23, 2018, https://www.kff.org/health-reform/issue-brief/understanding-short-term-limited-duration-health-insurance/.
[2] “IHC’s HealtheDeals.com to Greatly Expand its Owned Sales Distribution Capabilities,” PRWeb, September 5, 2018, https://www.prweb.com/releases/ihcs_healthedeals_com_to_greatly_expand_its_owned_sales_distribution_capabilities/prweb15737057.htm.
[3] Notably, in many states, short-term plans that were filed with regulators many years ago could be newly or more actively marketed again without being subject to new filing or approval requirements, making it hard to get a complete picture of most states’ short-term markets. See Emily Curran et al., “Do States Know the Status of Their Short-Term Health Plan Markets?” Commonwealth Fund, August 3, 2018, https://www.commonwealthfund.org/blog/2018/do-states-know-short-term-health-plan-markets.
[4] “Application for Individual Limited Short Term Medical Expense Insurance,” Independence American Insurance Company, submitted January 2018 in North Dakota, accessed via SERFF Filing Access, September 18, 2018.
[5] “Arkansas Short-Term Medical Insurance Application,” United Security Health and Casualty Insurance Company, submitted August 30, 2018, accessed via SERFF Filing Access, September 18, 2018.
[6] “National Health Insurance Company Rate Manual,” submitted to Wisconsin, April 6, 2018, accessed via SERFF Filing Access, September 18, 2018.
[7] Gary Claxton et al., “Pre-existing Conditions and Medical Underwriting in the Individual Insurance Market Prior to the ACA,” Kaiser Family Foundation, December 12, 2016, https://www.kff.org/health-reform/issue-brief/pre-existing-conditions-and-medical-underwriting-in-the-individual-insurance-market-prior-to-the-aca/.
[8] Sarah Lueck, “Health Care Executive Order Would Destabilize Insurance Markets, Weaken Coverage,” Center on Budget and Policy Priorities, November 29, 2017, https://www.cbpp.org/research/health/health-care-executive-order-would-destabilize-insurance-markets-weaken-coverage.
[9] Erik Larson and Zachary Tracer, “The Health Plans Trump Backs Have a Long History of Disputes,” Bloomberg, October 16, 2017, https://www.bloomberg.com/news/articles/2017-10-16/trump-s-insurance-directive-renews-preexisting-conditions-fight.
[10] Pollitz et al., op cit.
[11] “Short Term Medical Expense Certificate,” Golden Rule Insurance, submitted to Arizona August 6, 2018, accessed via SERFF Filing Access, September 18, 2018.
[12] Michael Hiltzik, “The fine print of those short-term health plans favored by Trump: Don’t get sick on a weekend,” Los Angeles Times, April 26, 2018, http://www.latimes.com/business/hiltzik/la-fi-hiltzik-short-term-insurance-20180426-story.html.
[13] Jackson Williams, “Short-term health insurance coverage is almost worthless,” Philadelphia Inquirer, July 30, 2018, http://www2.philly.com/philly/health/health-cents/short-term-health-insurance-coverage-is-almost-worthless-20180730.html.
[14] “2017 Accident and Health Policy Experience Report,” National Association of Insurance Commissioners, 2018, p. 83, https://www.naic.org/prod_serv/AHP-LR-18.pdf.
[15] Sarah Lueck, “With Federal Rules Weakened, States Should Act to Protect Against Short-Term Health Plans,” Center on Budget and Policy Priorities, August 1, 2018, https://www.cbpp.org/blog/with-federal-rules-weakened-states-should-act-to-protect-against-short-term-health-plans.