Senate Considering Blocking Expansion of Skimpy Health Plans
The
The rules, which took effect
Yet short-term plans are exempt from standards for individual health insurance, including protections under the Affordable Care Act (ACA). Short-term plans can deny coverage or charge higher prices to people with pre-existing conditions, and they typically don't cover medical services related to pre-existing conditions. Also, they don't have to cover the ACA's essential health benefits, and they often don't cover such essential benefits as maternity and mental health care, substance use disorder treatment, and prescription drugs. By providing fewer benefits and covering a less costly population, short-term plans lure this less costly population away from the individual insurance market and leave a costlier group behind -- thereby raising premiums for people who need comprehensive coverage.
Companies selling short-term health plans are poised to intensively market the substandard coverage during the six-week open enrollment period for ACA plans, which begins
Some 16 health care organizations, including the
Separately, several patient groups and health care organizations have filed a lawsuit to block the rules, arguing that expanding short-term plans violates the ACA. The plaintiffs, which include the
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