New Rules for Short-Term, Limited Duration Health Insurance Proposed


Because of the Trump Administration Executive Order 13813 entitled “Promoting Healthcare Choice and Competition Across the United States”, the Department of Health and Human Services (HHS) released a proposed rule on short-term, limited duration health insurance today.  This Executive Order also directed the HHS, the Department of Labor and the Internal Revenue Service to review previous guidance regarding health reimbursement arrangements (HRAs) and we are still awaiting the agencies response to that directive.

Short-term, limited duration health insurance is exempt from the Affordable Care Act’s requirements for individual market health insurance.  Current proposed regulations limit short-term, limited duration health insurance to periods of 3 months or less.  This proposed regulation would provide that limited duration insurance could be for periods of up to 12 months.  HHS requests comments on the proposed regulation by April 23, 2018.​

William F. Sweetnam, Jr
ECFC Legislative and Technical Director

The rule can be found by clicking here
The press release about the rule can be found here

Media Contact:

Martin Trussell
(202) 659-4300

About Employers Council on Flexible Compensation

The Employers Council on Flexible Compensation (ECFC) is a non-profit organization dedicated to the maintenance and expansion of private employee benefit programs on a tax-advantaged basis. The organization has two driving missions. The first is to represent and promote flexible compensation programs through effective lobbying. The second is to provide information on flexible compensation programs to member, national opinion leaders and the general public to help create a positive climate for the growth of flexible compensation.