Government & Insurers Reconsider Short-Term Limited Duration Product Changes

Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!

 

Read the text version

 

🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!  💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

 

Resources:

CMS & HHS Expand ACA Catastrophic Coverage Enrollment

ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents

Judge Vacates HHS MA Commissions Lawsuit

Ritter Insurance Marketing Carrier Partners

The Fight for ACA Enhanced Premium Tax Credits

 

References:

“Public Health Service Act.” Govinfo.Gov, govinfo.gov, www.govinfo.gov/content/pkg/COMPS-8773/pdf/COMPS-8773.pdf. Accessed 21 Oct. 2025.

“Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/.

“Short-Term Health Insurance: How It Works and Who It’s For.” Healthinsurance.Org, healthinsurance.org, 30 Sept. 2025, www.healthinsurance.org/short-term-health-insurance/.

“Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage.

“Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited Duration Insurance.” Cms.Gov, Centers for Medicare & Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf.

“What Is Individual Health Insurance?” Healthinsurance.Org, healthinsurance.org, 14 Feb. 2025, www.healthinsurance.org/glossary/individual-health-insurance/.

 

Follow Us on Social!

Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    

Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 

Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

 

Not affiliated with or endorsed by Medicare or any government agency.