STLD plans or “short-term” plans have been a welcome relief to a niche market in the health insurance world - healthy individuals who do not require all the bells and whistles of expensive, Obamacare plans, or people in between jobs or insurance plans and don’t want to wait until the November enrollment period to buy a new policy. But the plans have been under fire because there is belief they pull healthy people away the Obamacare exchanges, making those plans more expensive. Brian Blase explains to The Heartland Institute's AnneMarie Schieber how that is not the case – that short-term plans can actually lower prices for everyone because they keep more people in the market and bring in competition.