The House Energy and Commerce (E&C) Committee Democratic leaders released a report on the Committee’s investigation into short-term, limited duration insurance (STLDI) health care plans and the insurance brokers who sell and sign up people for these plans.
E&C Democrats had launched the investigation into STLDI plans and brokers in March 2019. Specifically, they asked if the “company sell[s] any STDI plans that do not comply with the consumer protections that apply to the individual insurance market under the ACA” as well as the information used to determine STLDI plan coverage (e.g., health status, medical history). The investigation included:
- Agile Health Insurance
- Arkansas Blue Cross Blue Shield
- Blue Cross Idaho
- Cambia Health Solutions
- Health Insurance Innovations
- Healthcare Solutions Team
- Independence Holding Company
- National General Accident and Health
- UnitedHealth Group
- LifeShield National Insurance Co.
- Pivot Health
The release of the report follows the introduction of The Patient Protection and Affordable Care Enhancement Act (H.R. 1425), which includes a provision that would rescind the Trump administration’s final rule expanding the availability of STLDI plans. Specifically, the regulation extended the maximum duration of STLDI plans from 3 months to up to 364 days and allows insurers to renew STLDI plans for up to 36 months.