November 01, 2025

Government & Insurers Reconsider Short-Term Limited Duration Product Changes

5 minutes

Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!

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Resources:

CMS & HHS Expand ACA Catastrophic Coverage Enrollment

ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents

Judge Vacates HHS MA Commissions Lawsuit

Ritter Insurance Marketing Carrier Partners

The Fight for ACA Enhanced Premium Tax Credits

References:

“Public Health Service Act.” Govinfo.Gov, govinfo.gov, www.govinfo.gov/content/pkg/COMPS-8773/pdf/COMPS-8773.pdf. Accessed 21 Oct. 2025.

“Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/.

“Short-Term Health Insurance: How It Works and Who It’s For.” Healthinsurance.Org, healthinsurance.org, 30 Sept. 2025, www.healthinsurance.org/short-term-health-insurance/.

“Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage.

“Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited Duration Insurance.” Cms.Gov, Centers for Medicare & Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf.

“What Is Individual Health Insurance?” Healthinsurance.Org, healthinsurance.org, 14 Feb. 2025, www.healthinsurance.org/glossary/individual-health-insurance/.

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By Sarah J. Rueppel | Ritter Insurance Marketing

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