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Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

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Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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ACA repeal fails. At last, an end to the stampede?

Voices from within the GOP have stopped ACA repeal in its tracks; can Congressional Republicans finally abandon their herd mentality?

Elephant stampede

That sound you’re hearing – if you’re hearing what I’m hearing anyway – is the
diminishing sound of an elephant stampede that has suddenly lost its momentum.

It’s a much welcomed change – the end (we hope) of a turbulent, stressful episode: that being one of the most offensively partisan legislative pushes in American history. Congressional Republicans – heady with the sense of power that comes from gaining control of both houses of Congress and believing their November victory was a sign that they could drive legislation with sheer numbers – came after the Affordable Care Act in what felt to many like a stampede.

Like the crush of an elephant herd, the GOP’s attack on the ACA was a blind rage that threatened to wipe out anything in its path. And what was in its path but millions of Americans – and their ability to pay for coverage and ultimately healthcare?

Dissuading the Republicans was – well – like appealing to rogue pachyderms. No amount of pleading from Congressional Democrats could convince them to “slow their roll” (or bring Dems into the process).

Blind – and deaf – to reason

But it wasn’t Democrats alone who were unable to avert the GOP from their senseless path of destruction. Hell bent on repeal – hell bent on fulfilling a promise they’d been making for seven years – Congressional Republicans refused to listen to a steadily growing chorus of resistance from:

  • Healthcare groups that warned that repeal of the individual mandate would lead to a sicker group of enrollees and skyrocketing premiums.
  • The Congressional Budget Office, which scored of the legislation and predicted that millions – and as many as 32 million – would lose coverage.
  • Governors from red and blue states alike, who feared the impact of repeal on their budgets and their constituents.
  • Constituents, who clogged legislators’ phone lines and lined up outside of their offices to plea for more reasonable replacement proposals.
  • Health policy experts, who repeatedly warned about the threat of Medicaid cuts to vulnerable populations.
  • Actuaries. Health agencies. Nuns.

Republicans ignored them all, believing that brute force and herd size would be enough. Early this morning, they learned they were wrong – and the message came from three brave voices within “the herd.”

Republican Senators John McCain, Lisa Murkowski and Susan Collins had already made noises about the GOP’s partisan and secretive efforts to craft an ACA replacement plan. McCain repeatedly voiced his concern about partisanship during the process. Murkowski, too, had criticized Mitch McConnell’s total control of the legislative process and his secretive approach. Collins, meanwhile, expressed a strong desire to work with both Democrats and Republicans to “fix the flaws in ACA.”

Their pleas had gone unheeded until this morning, when the three sent shockwaves through the Senate chamber by voting No on “skinny repeal,” and bringing the one-sided repeal process to a grinding halt.

Time to look outside their herd

In a speech after the vote, McConnell suggested that it was finally time to work with Democrats.McConnell was wrong. The time to begin working with Democrats was months ago – and since then, the GOP’s stampede to repeal has wasted precious time and increasingly spooked consumers and insurance carriers alike.

Hitting the brakes now may prevent the unimaginable catastrophe that was forecast for insurance markets under all of the GOP proposals, but it won’t reverse the harm done by months of uncertainty.

Republicans must now abandon their “herd mentality” and open the process to fresh ideas that will produce fixes focused on expanding coverage – not contracting it. At the same time, the GOP and President Trump should act quickly to stabilize the health insurance market and in doing so, make coverage more comprehensive and more affordable for consumers who buy 2018 plans.

For now, though, the roar of the stampede seems to be subsiding – and we eagerly anticipate the soothing sounds of bipartisanship.

Steve Anderson is editor and content manager for healthinsurance.org, where he’s been writing about health insurance and health reform since 2008. He’s been fortunate to have worked with a talented team of health policy writers.


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