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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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The Scoop: August 9, 2019 Edition

A round-up of recent state-level headlines regarding individual health insurance, group health insurance, and Medicaid

Washington State's Insurance Commissioner Mike Kreidler is taking action against a high-profile healthcare sharing ministry. | Image: Screenshot from YouTube "A Conversation with Mike Kreidler"

Although the summer tends to be a slow time in terms of legislation, states continue to work on health reform and court decisions continue to be handed down. Here’s a look at what’s happened at the state level this week.

WA, VT insurance commissioners crack down on bogus health plans

Washington’s insurance commissioner, Mike Kreidler, is seeking a $1 million fine against Aliera Healthcare, and a $100,000 fine against Trinity HealthShare Inc., the healthcare sharing ministry with which Aliera partners. Earlier this year, Kreidler had ordered the two companies to stop selling coverage in Washington, and other states have also taken action to prevent these companies from selling coverage.

Vermont’s Department of Financial Regulation has issued a cease-and-desist order against several unlicensed organizations that had been deceptively selling various types of health “coverage” – including one sharing ministry plan – in the state.

Judge rejects New Hampshire’s Medicaid work requirement

On July 29, U.S. District Court Judge James A. Boasberg struck down New Hampshire’s Medicaid work requirement. Boasberg is the same judge who overturned similar work requirements in Arkansas and Kentucky earlier this year. New Hampshire plans to appeal the judge’s ruling, but for the time being, the state cannot implement the work requirement it had planned to roll out in September.

Colorado seeks to create alliance to help businesses reduce healthcare costs

Colorado’s governor and insurance commissioner are working to create a statewide alliance model (based on an already established alliance in Summit County) that would allow businesses to join together and negotiate directly with hospitals and doctors, in an effort to reduce healthcare costs. Colorado has already been working toward innovation in healthcare, with a reinsurance program that will take effect in 2020, strict new regulations on short-term health plans, and an ongoing analysis of how the state might be able to implement a public option.

Nevada exchange enrollees to receive exchange transition info

Nevada is transitioning to a fully state-run exchange this fall, so enrollees will no longer use when they sign up for 2020 coverage. Current enrollees should be on the lookout for an email from the exchange on September 4, with instructions on activating their account with Nevada Health Link. Plans will be available for preview as of October 1, and enrollment will begin November 1.

New Jersey plans transition to SBE-FP platform this fall

New Jersey currently relies fully on, but the state notified CMS earlier this year of plans to switch to operating its own exchange as of the fall of 2020, with people enrolling in the state-run platform for 2021 coverage. And New Jersey has now requested federal permission to transition to a state-based exchange using the federal platform (SBE-FP) starting this fall. If approved, New Jersey will continue to use the enrollment platform for the 2020 plan year, but the state will oversee the exchange and fund outreach efforts.

Kentucky will reimburse Medicaid-eligible residents for ESI

Kentucky has launched a program aimed at encouraging Medicaid-eligible residents to enroll in employer-sponsored insurance (ESI) if it’s available to them. For Medicaid-eligible residents who have access to ESI and enroll in it, Kentucky Medicaid will pay the member’s share of the premiums (the portion that the employer doesn’t pay). The state began sending out notices about the new program on August 5.

Louisiana suspends automatic termination of Medicaid recipients

Louisiana’s new Medicaid eligibility system includes a feature that automatically terminates Medicaid coverage for beneficiaries who don’t respond to requests for renewal information. But for those whose renewals were slated for July or August 2019, the state has temporarily suspended the auto-termination feature in an effort to ensure that people aren’t losing coverage through no fault of their own.

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for

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