As promised, the Trump administration has issued proposed rules that would allow individuals to skirt Affordable Care Act regulations and buy short-term, low-coverage health plans. Under the proposal, individuals would be able to purchase short-term plans that last up to 12 months, compared to the three-month maximum under the ACA. The proposal would also exempt these short-term plans from ACA rules about what kind of coverage individual health plans are supposed to have, like covering 10 essential health benefits and barring insurers from rejecting individuals with pre-existing conditions. The administration said short-term plans are meant for people who:
- Cannot afford ACA coverage purchased on exchanges,
- Are between jobs and need temporary coverage that’s cheaper than COBRA, or
- Have doctors who are not included in plans offered on public exchanges.