Blue Cross Blue Shield of WNY

Proposed rule issued; no effect on NYS market

Today, the Trump administration issued a proposed rule to extend the duration of short-term health plans.  However, even if it becomes final, the federal rule will not affect New York because the state does not allow such short-term policies.


The proposed rule was issued in response to President Trump's October 12th Executive Order directing HHS, DOL and the Treasury to consider policies that would expand the availability of such coverage.  The Administration stated that the proposed rule is intended to provide relief from high premiums and limited choices.  The proposed rule would:


  • Increase the maximum duration of STLD insurance to less than 12 months, as opposed to the current maximum duration of less than three months.
  • Continue to require a notice to help consumers understand that short-term plans are not required to comply with ACA provisions.  


Because short-term plans do not have to include benefits required for Affordable Care Act (ACA)-compliant plans, they will be cheaper.  If a significant number of healthier individuals opt for them (in states where they are allowed), ACA-compliant plans will be left with a disproportionate share of members with high health care costs, further driving up the costs of those plans. 

News and Media

August 3, 2017:
Senators Plan Bipartisan Hearings On Health Care

Dave Anderson, CEO of HealthNow New York, talks with Steve Inskeep about lawmakers' plans to hold bipartisan hearings on health insurance exchanges. NPR's Scott Horsley has details and analysis.


June 6, 2017:
What's next for the American Health Care Act

The Point of Health podcast features Donald Ingalls, Vice President, State and Federal Relations of BlueCross BlueShield of Western New York. The episode covers the latest updates on Republican's efforts to repeal and replace the Affordable Care Act.


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