Short-term plan limits returned under Biden, then entered Trump nonenforcement
Reporting and findings
- reported
The National Association of Insurance Commissioners reports that federal rules limit short-term plans to three months initially and four months including renewals, but that the second Trump administration suspended enforcement; NAIC also distinguishes these products from comprehensive ACA-regulated coverage.
- National Association of Insurance Commissioners: Insurance Topics: Short-Term Limited-Duration Health PlansJuly 2026 rule status, nonenforcement, and consumer-protection distinctions
- documented
On 2017-10-12, Donald Trump directed agencies to consider expanding association health plans, short-term limited-duration insurance, and health reimbursement arrangements, expressly targeting a prior-administration limit on short-term coverage.
Corrects claim:batch-200:short-term-health-plan-expansion-2017- Trump White House Archives: Presidential Executive Order Promoting Healthcare Choice and Competition Across the United StatesOperative text of the cited action
Summary and current status
Short-term plans lack many Affordable Care Act protections. A 2024 rule restored three-month limits, but the second Trump administration suspended enforcement while preparing another rule.
Three-month federal rule remains on paper; Trump administration suspended enforcement pending revision.
People and organizations
- Executive Order 13813 health-plan expansionexecutive action under legal and impact review
- Donald J. Trumppresident who issued the action
Relationships in this file
- Donald J. Trumpordered health-plan deregulation throughExecutive Order 13813 health-plan expansion